<p>Trong khi nhi&#7873;u th&#7883; tr&#432;&#7901;ng ph&aacute;t tri&#7875;n t&#7853;p trung v&agrave;o c&aacute;c s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ph&#7913;c t&#7841;p nh&#432; ETF hay DeFi, th&igrave; khu v&#7921;c ch&acirc;u Phi c&#7853;n Sahara &#273;ang ch&#7913;ng minh s&#7913;c m&#7841;nh th&#7921;c t&#7871; c&#7911;a ti&#7873;n &#273;i&#7879;n t&#7917; b&#7857;ng c&aacute;ch bi&#7871;n Bitcoin v&agrave; stablecoin th&agrave;nh c&ocirc;ng c&#7909; quan tr&#7885;ng cho h&agrave;ng tri&#7879;u ng&#432;&#7901;i &#273;ang &#273;&#7889;i m&#7863;t v&#7899;i l&#7841;m ph&aacute;t v&agrave; h&#7841;n ch&#7871; ngo&#7841;i h&#7889;i.</p>
<p>V&#7899;i s&#7921; t&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i &#273;&#7841;t 52% trong n&#259;m qua, khu v&#7921;c n&agrave;y &#273;&atilde; v&#432;&#417;n l&ecirc;n v&#7883; tr&iacute; th&#7913; ba to&agrave;n c&#7847;u, ch&#7881; sau APAC v&agrave; M&#7929; Latinh. &#272;&acirc;y kh&ocirc;ng ch&#7881; l&agrave; c&acirc;u chuy&#7879;n v&#7873; d&ograve;ng v&#7889;n m&agrave; c&ograve;n l&agrave; minh ch&#7913;ng s&#7889;ng &#273;&#7897;ng cho kh&#7843; n&#259;ng c&#7911;a ti&#7873;n &#273;i&#7879;n t&#7917; trong vi&#7879;c t&aacute;i &#273;&#7883;nh h&igrave;nh c&#417; s&#7903; h&#7841; t&#7847;ng t&agrave;i ch&iacute;nh t&#7915; g&#7889;c r&#7877;.</p>
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-retail-led-growth-with-bitcoin-at-the-core">T&#259;ng tr&#432;&#7903;ng do nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; d&#7851;n d&#7855;t, v&#7899;i Bitcoin l&agrave; trung t&acirc;m</h2>

<p>Theo b&aacute;o c&aacute;o m&#7899;i nh&#7845;t t&#7915; <a href="https://vn.beincrypto.com/crypto-crime-2025-rising-thefts-violence/" target="_blank" rel="noreferrer noopener">Chainalysis</a>, ch&acirc;u Phi c&#7853;n Sahara (SSA) &#273;&atilde; n&#7893;i l&ecirc;n nh&#432; l&agrave; th&#7883; tr&#432;&#7901;ng ti&#7873;n &#273;i&#7879;n t&#7917; ph&aacute;t tri&#7875;n nhanh th&#7913; ba tr&ecirc;n to&agrave;n c&#7847;u. Gi&aacute; tr&#7883; giao d&#7883;ch tr&ecirc;n chu&#7895;i &#273;&atilde; t&#259;ng 52% t&#7915; th&aacute;ng 07/2024 &#273;&#7871;n th&aacute;ng 06/2025, &#273;&#7841;t h&#417;n 205 t&#7927; USD. &#272;&#7897;ng l&#7921;c ch&iacute;nh l&agrave; c&aacute;c nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; &ndash; nh&#7919;ng c&aacute; nh&acirc;n s&#7917; d&#7909;ng ti&#7873;n &#273;i&#7879;n t&#7917; cho c&aacute;c giao d&#7883;ch h&agrave;ng ng&agrave;y, l&#432;u tr&#7919; gi&aacute; tr&#7883; v&agrave; ph&ograve;ng ng&#7915;a l&#7841;m ph&aacute;t.</p>
<img style="height:400px;width:640px;" decoding="async" alt="Gi&aacute; tr&#7883; giao d&#7883;ch h&agrave;ng th&aacute;ng t&#7841;i ch&acirc;u Phi c&#7853;n Sahara. Ngu&#7891;n: Chainalysis" class="wp-image-740708 lazy" loading="lazy" src="https://assets.beincrypto.com/img/RmhYb06Mydu-0h_bnIxBY8bR1zU=/smart/7fc36947f830459ca05b2d6f15f6b664">Gi&aacute; tr&#7883; giao d&#7883;ch h&agrave;ng th&aacute;ng t&#7841;i ch&acirc;u Phi c&#7853;n Sahara. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<p>Nigeria v&agrave; Nam Phi l&agrave; hai c&#432;&#7901;ng qu&#7889;c trong khu v&#7921;c. Nigeria ghi nh&#7853;n gi&aacute; tr&#7883; giao d&#7883;ch tr&ecirc;n chu&#7895;i &#273;&#7841;t 92.1 t&#7927; USD, ch&#7911; y&#7871;u do ng&#432;&#7901;i d&acirc;n t&igrave;m ki&#7871;m c&aacute;c gi&#7843;i ph&aacute;p thay th&#7871; trong b&#7889;i c&#7843;nh l&#7841;m ph&aacute;t cao v&agrave; ki&#7875;m so&aacute;t ngo&#7841;i h&#7889;i nghi&ecirc;m ng&#7863;t. Ng&#432;&#7907;c l&#7841;i, Nam Phi &#273;ang &#273;i theo h&#432;&#7899;ng ng&#432;&#7907;c l&#7841;i, t&#7853;p trung v&agrave;o th&#7883; tr&#432;&#7901;ng t&#7893; ch&#7913;c nh&#7901; v&agrave;o khung ph&aacute;p l&yacute; r&otilde; r&agrave;ng v&agrave; s&#7921; tham gia t&iacute;ch c&#7921;c t&#7915; c&aacute;c ng&acirc;n h&agrave;ng l&#7899;n nh&#432; Absa, &#273;&#7863;c bi&#7879;t trong thanh to&aacute;n xuy&ecirc;n bi&ecirc;n gi&#7899;i v&agrave; ph&aacute;t tri&#7875;n s&#7843;n ph&#7849;m m&#7899;i.</p>
<img style="height:400px;width:640px;" decoding="async" alt="T&#7893;ng gi&aacute; tr&#7883; theo khu v&#7921;c. Ngu&#7891;n: Chainalysis" class="wp-image-740709 lazy" loading="lazy" src="https://assets.beincrypto.com/img/3xH_CE7skIO89VXJSXJb4Dfrbqs=/smart/a827ebc75b184931a6962160a3c2d56b">T&#7893;ng gi&aacute; tr&#7883; theo khu v&#7921;c. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<p>Kh&ocirc;ng c&oacute; g&igrave; ng&#7841;c nhi&ecirc;n khi <a href="https://beincrypto.com/learn/what-is-bitcoin/" target="_blank" rel="noreferrer noopener">Bitcoin</a> (BTC) chi&#7871;m &#432;u th&#7871; t&#7841;i SSA nh&#432; m&#7897;t d&#7841;ng &ldquo;v&agrave;ng k&#7929; thu&#7853;t s&#7889;.&rdquo; Bitcoin chi&#7871;m t&#7899;i 89% gi&aacute; tr&#7883; giao d&#7883;ch c&#7911;a nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; t&#7841;i Nigeria, trong khi &#7903; Nam Phi, con s&#7889; n&agrave;y l&agrave; 74%. Trong khi &#273;&oacute;, <a href="https://beincrypto.com/learn/yield-bearing-stablecoins/" target="_blank" rel="noreferrer noopener">stablecoin</a>, &#273;&#7863;c bi&#7879;t l&agrave; USDT, &#273;&#432;&#7907;c &#432;a chu&#7897;ng cho c&aacute;c giao d&#7883;ch gi&aacute; tr&#7883; l&#7899;n, &#273;&oacute;ng vai tr&ograve; nh&#432; m&#7897;t s&#7921; thay th&#7871; th&#7921;c t&#7871; cho &#273;&#7891;ng USD.</p>
<img style="height:400px;width:640px;" decoding="async" alt="T&#7927; l&#7879; ho&#7841;t &#273;&#7897;ng theo lo&#7841;i chuy&#7875;n kho&#7843;n t&#7841;i Nigeria &amp; Nam Phi. Ngu&#7891;n: Chainalysis" class="wp-image-740710 lazy" loading="lazy" src="https://assets.beincrypto.com/img/MoNfvhwdfNDQFvHIn8I9zcl3gKw=/smart/6622dbe5a6a7447ca9f35f7cdbb8d19c">T&#7927; l&#7879; ho&#7841;t &#273;&#7897;ng theo lo&#7841;i chuy&#7875;n kho&#7843;n t&#7841;i Nigeria &amp; Nam Phi. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-comparison-with-other-regions-ssa-stands-out-for-real-world-utility">So s&aacute;nh v&#7899;i c&aacute;c khu v&#7921;c kh&aacute;c: SSA n&#7893;i b&#7853;t v&#7899;i t&iacute;nh &#7913;ng d&#7909;ng th&#7921;c t&#7871;</h2>

<p>&#272;&#7863;t SSA trong b&#7889;i c&#7843;nh to&agrave;n c&#7847;u cho th&#7845;y m&#7897;t b&#7913;c tranh th&uacute; v&#7883;. Theo <a href="https://www.chainalysis.com/blog/2025-global-crypto-adoption-index/" target="_blank" rel="noreferrer noopener nofollow">d&#7919; li&#7879;u t&#7893;ng h&#7907;p</a> t&#7915; Chainalysis, khu v&#7921;c ch&acirc;u &Aacute; &ndash; Th&aacute;i B&igrave;nh D&#432;&#417;ng (APAC) &#273;ang d&#7851;n &#273;&#7847;u v&#7873; t&#259;ng tr&#432;&#7903;ng v&#7899;i 69% so v&#7899;i c&ugrave;ng k&#7923; n&#259;m tr&#432;&#7899;c, &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i s&#7921; b&ugrave;ng n&#7893; c&#7911;a DeFi v&agrave; <a href="https://beincrypto.com/learn/layer-1-vs-layer-2/" target="_blank" rel="noreferrer noopener">Layer-2</a>, c&ugrave;ng v&#7899;i d&ograve;ng v&#7889;n t&#7893; ch&#7913;c l&#7899;n v&agrave;o c&aacute;c th&#7883; tr&#432;&#7901;ng nh&#432; H&#7891;ng K&ocirc;ng, Singapore v&agrave; H&agrave;n Qu&#7889;c.</p>
<img style="height:400px;width:640px;" decoding="async" alt="T&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i theo khu v&#7921;c. Ngu&#7891;n: BeInCrypto" class="wp-image-740711 lazy" style="width:1024px;height:auto" loading="lazy" src="https://assets.beincrypto.com/img/1s9lK8aAoxDF492A2rvHtsm5YHI=/smart/ed3364ca16834ac097c3a2815bae5733">T&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i theo khu v&#7921;c. Ngu&#7891;n: BeInCrypto

<p>M&#7929; Latinh c&#361;ng cho th&#7845;y s&#7921; t&#259;ng tr&#432;&#7903;ng m&#7841;nh m&#7869; v&#7899;i 63%, n&#417;i ti&#7873;n &#273;i&#7879;n t&#7917; &#273;&#432;&#7907;c s&#7917; d&#7909;ng r&#7897;ng r&atilde;i cho ki&#7873;u h&#7889;i v&agrave; thanh to&aacute;n P2P, &#273;&#7863;c bi&#7879;t l&agrave; &#7903; Brazil v&agrave; Mexico. Trong khi &#273;&oacute;, B&#7855;c M&#7929; v&agrave; ch&acirc;u &Acirc;u n&#7893;i b&#7853;t v&#7899;i vai tr&ograve; c&#7911;a c&aacute;c t&#7893; ch&#7913;c. B&#7855;c M&#7929; &#273;&#7841;t quy m&ocirc; 1.2 ngh&igrave;n t&#7927; USD, &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i ETF v&agrave; d&#7883;ch v&#7909; l&#432;u k&yacute;, trong khi ch&acirc;u &Acirc;u &#273;&#7841;t 1.1 ngh&igrave;n t&#7927; USD, t&#7853;p trung v&agrave;o DeFi v&agrave; c&aacute;c khung ph&aacute;p l&yacute; nh&#432; <a href="https://beincrypto.com/learn/mica-guide/" target="_blank" rel="noreferrer noopener">MiCA</a>.</p>
<p>So v&#7899;i c&aacute;c khu v&#7921;c n&agrave;y, SSA nh&#7887; h&#417;n v&#7873; t&#7893;ng d&ograve;ng v&#7889;n, nh&#432;ng s&#7913;c m&#7841;nh &#273;&#7897;c &#273;&aacute;o c&#7911;a n&oacute; n&#7857;m &#7903; c&aacute;c &#7913;ng d&#7909;ng th&#7921;c t&#7871;. Trong khi APAC v&agrave; B&#7855;c M&#7929; ph&aacute;t tri&#7875;n nh&#7901; c&aacute;c s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ph&#7913;c t&#7841;p, SSA ch&#7913;ng minh r&#7857;ng ti&#7873;n &#273;i&#7879;n t&#7917; c&oacute; th&#7875; gi&#7843;i quy&#7871;t c&aacute;c th&aacute;ch th&#7913;c kinh t&#7871; c&#417; b&#7843;n, t&#7915; b&#7843;o v&#7879; gi&aacute; tr&#7883; t&agrave;i s&#7843;n tr&#432;&#7899;c l&#7841;m ph&aacute;t &#273;&#7871;n x&acirc;y d&#7921;ng c&#417; s&#7903; h&#7841; t&#7847;ng thanh to&aacute;n xuy&ecirc;n bi&ecirc;n gi&#7899;i.</p>
<p>Tr&#432;&#7901;ng h&#7907;p c&#7911;a SSA r&otilde; r&agrave;ng cho th&#7845;y r&#7857;ng ti&#7873;n &#273;i&#7879;n t&#7917; kh&ocirc;ng ch&#7881; l&agrave; c&ocirc;ng c&#7909; &#273;&#7847;u c&#417; hay s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ti&ecirc;n ti&#7871;n m&agrave; c&ograve;n l&agrave; gi&#7843;i ph&aacute;p th&#7921;c t&#7871; cho c&aacute;c n&#7873;n kinh t&#7871; m&#7899;i n&#7893;i. Nh&igrave;n v&#7873; ph&iacute;a tr&#432;&#7899;c, n&#7871;u khu v&#7921;c n&agrave;y ti&#7871;p t&#7909;c c&#7843;i thi&#7879;n khung ph&aacute;p l&yacute; c&#7911;a m&igrave;nh &ndash; c&acirc;n b&#7857;ng gi&#7919;a th&uacute;c &#273;&#7849;y &#273;&#7893;i m&#7899;i v&agrave; qu&#7843;n l&yacute; r&#7911;i ro &ndash; SSA c&oacute; th&#7875; tr&#7903; th&agrave;nh trung t&acirc;m h&agrave;ng &#273;&#7847;u th&#7871; gi&#7899;i v&#7873; <a href="https://vn.beincrypto.com/crypto-adoption-increasing-among-older-generation/" target="_blank" rel="noreferrer noopener">s&#7921; ch&#7845;p nh&#7853;n ti&#7873;n &#273;i&#7879;n t&#7917;</a> trong th&#7921;c t&#7871;.</p>


Châu Phi hạ Sahara: Điểm sáng mới trên bản đồ tiền điện tử toàn cầu

<p>Trong khi nhi&#7873;u th&#7883; tr&#432;&#7901;ng ph&aacute;t tri&#7875;n t&#7853;p trung v&agrave;o c&aacute;c s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ph&#7913;c t&#7841;p nh&#432; ETF hay DeFi, th&igrave; khu v&#7921;c ch&acirc;u Phi c&#7853;n Sahara &#273;ang ch&#7913;ng minh s&#7913;c m&#7841;nh th&#7921;c t&#7871; c&#7911;a ti&#7873;n &#273;i&#7879;n t&#7917; b&#7857;ng c&aacute;ch bi&#7871;n Bitcoin v&agrave; stablecoin th&agrave;nh c&ocirc;ng c&#7909; quan tr&#7885;ng cho h&agrave;ng tri&#7879;u ng&#432;&#7901;i &#273;ang &#273;&#7889;i m&#7863;t v&#7899;i l&#7841;m ph&aacute;t v&agrave; h&#7841;n ch&#7871; ngo&#7841;i h&#7889;i.</p>
<p>V&#7899;i s&#7921; t&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i &#273;&#7841;t 52% trong n&#259;m qua, khu v&#7921;c n&agrave;y &#273;&atilde; v&#432;&#417;n l&ecirc;n v&#7883; tr&iacute; th&#7913; ba to&agrave;n c&#7847;u, ch&#7881; sau APAC v&agrave; M&#7929; Latinh. &#272;&acirc;y kh&ocirc;ng ch&#7881; l&agrave; c&acirc;u chuy&#7879;n v&#7873; d&ograve;ng v&#7889;n m&agrave; c&ograve;n l&agrave; minh ch&#7913;ng s&#7889;ng &#273;&#7897;ng cho kh&#7843; n&#259;ng c&#7911;a ti&#7873;n &#273;i&#7879;n t&#7917; trong vi&#7879;c t&aacute;i &#273;&#7883;nh h&igrave;nh c&#417; s&#7903; h&#7841; t&#7847;ng t&agrave;i ch&iacute;nh t&#7915; g&#7889;c r&#7877;.</p>
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-retail-led-growth-with-bitcoin-at-the-core">T&#259;ng tr&#432;&#7903;ng do nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; d&#7851;n d&#7855;t, v&#7899;i Bitcoin l&agrave; trung t&acirc;m</h2>

<p>Theo b&aacute;o c&aacute;o m&#7899;i nh&#7845;t t&#7915; <a href="https://vn.beincrypto.com/crypto-crime-2025-rising-thefts-violence/" target="_blank" rel="noreferrer noopener">Chainalysis</a>, ch&acirc;u Phi c&#7853;n Sahara (SSA) &#273;&atilde; n&#7893;i l&ecirc;n nh&#432; l&agrave; th&#7883; tr&#432;&#7901;ng ti&#7873;n &#273;i&#7879;n t&#7917; ph&aacute;t tri&#7875;n nhanh th&#7913; ba tr&ecirc;n to&agrave;n c&#7847;u. Gi&aacute; tr&#7883; giao d&#7883;ch tr&ecirc;n chu&#7895;i &#273;&atilde; t&#259;ng 52% t&#7915; th&aacute;ng 07/2024 &#273;&#7871;n th&aacute;ng 06/2025, &#273;&#7841;t h&#417;n 205 t&#7927; USD. &#272;&#7897;ng l&#7921;c ch&iacute;nh l&agrave; c&aacute;c nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; &ndash; nh&#7919;ng c&aacute; nh&acirc;n s&#7917; d&#7909;ng ti&#7873;n &#273;i&#7879;n t&#7917; cho c&aacute;c giao d&#7883;ch h&agrave;ng ng&agrave;y, l&#432;u tr&#7919; gi&aacute; tr&#7883; v&agrave; ph&ograve;ng ng&#7915;a l&#7841;m ph&aacute;t.</p>
<img style="height:400px;width:640px;"decoding="async" alt="Gi&aacute; tr&#7883; giao d&#7883;ch h&agrave;ng th&aacute;ng t&#7841;i ch&acirc;u Phi c&#7853;n Sahara. Ngu&#7891;n: Chainalysis" class="wp-image-740708 lazy" loading="lazy" src="https://assets.beincrypto.com/img/RmhYb06Mydu-0h_bnIxBY8bR1zU=/smart/7fc36947f830459ca05b2d6f15f6b664">Gi&aacute; tr&#7883; giao d&#7883;ch h&agrave;ng th&aacute;ng t&#7841;i ch&acirc;u Phi c&#7853;n Sahara. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<p>Nigeria v&agrave; Nam Phi l&agrave; hai c&#432;&#7901;ng qu&#7889;c trong khu v&#7921;c. Nigeria ghi nh&#7853;n gi&aacute; tr&#7883; giao d&#7883;ch tr&ecirc;n chu&#7895;i &#273;&#7841;t 92.1 t&#7927; USD, ch&#7911; y&#7871;u do ng&#432;&#7901;i d&acirc;n t&igrave;m ki&#7871;m c&aacute;c gi&#7843;i ph&aacute;p thay th&#7871; trong b&#7889;i c&#7843;nh l&#7841;m ph&aacute;t cao v&agrave; ki&#7875;m so&aacute;t ngo&#7841;i h&#7889;i nghi&ecirc;m ng&#7863;t. Ng&#432;&#7907;c l&#7841;i, Nam Phi &#273;ang &#273;i theo h&#432;&#7899;ng ng&#432;&#7907;c l&#7841;i, t&#7853;p trung v&agrave;o th&#7883; tr&#432;&#7901;ng t&#7893; ch&#7913;c nh&#7901; v&agrave;o khung ph&aacute;p l&yacute; r&otilde; r&agrave;ng v&agrave; s&#7921; tham gia t&iacute;ch c&#7921;c t&#7915; c&aacute;c ng&acirc;n h&agrave;ng l&#7899;n nh&#432; Absa, &#273;&#7863;c bi&#7879;t trong thanh to&aacute;n xuy&ecirc;n bi&ecirc;n gi&#7899;i v&agrave; ph&aacute;t tri&#7875;n s&#7843;n ph&#7849;m m&#7899;i.</p>
<img style="height:400px;width:640px;"decoding="async" alt="T&#7893;ng gi&aacute; tr&#7883; theo khu v&#7921;c. Ngu&#7891;n: Chainalysis" class="wp-image-740709 lazy" loading="lazy" src="https://assets.beincrypto.com/img/3xH_CE7skIO89VXJSXJb4Dfrbqs=/smart/a827ebc75b184931a6962160a3c2d56b">T&#7893;ng gi&aacute; tr&#7883; theo khu v&#7921;c. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<p>Kh&ocirc;ng c&oacute; g&igrave; ng&#7841;c nhi&ecirc;n khi <a href="https://beincrypto.com/learn/what-is-bitcoin/" target="_blank" rel="noreferrer noopener">Bitcoin</a> (BTC) chi&#7871;m &#432;u th&#7871; t&#7841;i SSA nh&#432; m&#7897;t d&#7841;ng &ldquo;v&agrave;ng k&#7929; thu&#7853;t s&#7889;.&rdquo; Bitcoin chi&#7871;m t&#7899;i 89% gi&aacute; tr&#7883; giao d&#7883;ch c&#7911;a nh&agrave; &#273;&#7847;u t&#432; nh&#7887; l&#7867; t&#7841;i Nigeria, trong khi &#7903; Nam Phi, con s&#7889; n&agrave;y l&agrave; 74%. Trong khi &#273;&oacute;, <a href="https://beincrypto.com/learn/yield-bearing-stablecoins/" target="_blank" rel="noreferrer noopener">stablecoin</a>, &#273;&#7863;c bi&#7879;t l&agrave; USDT, &#273;&#432;&#7907;c &#432;a chu&#7897;ng cho c&aacute;c giao d&#7883;ch gi&aacute; tr&#7883; l&#7899;n, &#273;&oacute;ng vai tr&ograve; nh&#432; m&#7897;t s&#7921; thay th&#7871; th&#7921;c t&#7871; cho &#273;&#7891;ng USD.</p>
<img style="height:400px;width:640px;"decoding="async" alt="T&#7927; l&#7879; ho&#7841;t &#273;&#7897;ng theo lo&#7841;i chuy&#7875;n kho&#7843;n t&#7841;i Nigeria &amp; Nam Phi. Ngu&#7891;n: Chainalysis" class="wp-image-740710 lazy" loading="lazy" src="https://assets.beincrypto.com/img/MoNfvhwdfNDQFvHIn8I9zcl3gKw=/smart/6622dbe5a6a7447ca9f35f7cdbb8d19c">T&#7927; l&#7879; ho&#7841;t &#273;&#7897;ng theo lo&#7841;i chuy&#7875;n kho&#7843;n t&#7841;i Nigeria &amp; Nam Phi. Ngu&#7891;n: <a href="https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2025/" target="_blank" rel="noreferrer noopener nofollow">Chainalysis</a>

<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-comparison-with-other-regions-ssa-stands-out-for-real-world-utility">So s&aacute;nh v&#7899;i c&aacute;c khu v&#7921;c kh&aacute;c: SSA n&#7893;i b&#7853;t v&#7899;i t&iacute;nh &#7913;ng d&#7909;ng th&#7921;c t&#7871;</h2>

<p>&#272;&#7863;t SSA trong b&#7889;i c&#7843;nh to&agrave;n c&#7847;u cho th&#7845;y m&#7897;t b&#7913;c tranh th&uacute; v&#7883;. Theo <a href="https://www.chainalysis.com/blog/2025-global-crypto-adoption-index/" target="_blank" rel="noreferrer noopener nofollow">d&#7919; li&#7879;u t&#7893;ng h&#7907;p</a> t&#7915; Chainalysis, khu v&#7921;c ch&acirc;u &Aacute; &ndash; Th&aacute;i B&igrave;nh D&#432;&#417;ng (APAC) &#273;ang d&#7851;n &#273;&#7847;u v&#7873; t&#259;ng tr&#432;&#7903;ng v&#7899;i 69% so v&#7899;i c&ugrave;ng k&#7923; n&#259;m tr&#432;&#7899;c, &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i s&#7921; b&ugrave;ng n&#7893; c&#7911;a DeFi v&agrave; <a href="https://beincrypto.com/learn/layer-1-vs-layer-2/" target="_blank" rel="noreferrer noopener">Layer-2</a>, c&ugrave;ng v&#7899;i d&ograve;ng v&#7889;n t&#7893; ch&#7913;c l&#7899;n v&agrave;o c&aacute;c th&#7883; tr&#432;&#7901;ng nh&#432; H&#7891;ng K&ocirc;ng, Singapore v&agrave; H&agrave;n Qu&#7889;c.</p>
<img style="height:400px;width:640px;"decoding="async" alt="T&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i theo khu v&#7921;c. Ngu&#7891;n: BeInCrypto" class="wp-image-740711 lazy" style="width:1024px;height:auto" loading="lazy" src="https://assets.beincrypto.com/img/1s9lK8aAoxDF492A2rvHtsm5YHI=/smart/ed3364ca16834ac097c3a2815bae5733">T&#259;ng tr&#432;&#7903;ng gi&aacute; tr&#7883; tr&ecirc;n chu&#7895;i theo khu v&#7921;c. Ngu&#7891;n: BeInCrypto

<p>M&#7929; Latinh c&#361;ng cho th&#7845;y s&#7921; t&#259;ng tr&#432;&#7903;ng m&#7841;nh m&#7869; v&#7899;i 63%, n&#417;i ti&#7873;n &#273;i&#7879;n t&#7917; &#273;&#432;&#7907;c s&#7917; d&#7909;ng r&#7897;ng r&atilde;i cho ki&#7873;u h&#7889;i v&agrave; thanh to&aacute;n P2P, &#273;&#7863;c bi&#7879;t l&agrave; &#7903; Brazil v&agrave; Mexico. Trong khi &#273;&oacute;, B&#7855;c M&#7929; v&agrave; ch&acirc;u &Acirc;u n&#7893;i b&#7853;t v&#7899;i vai tr&ograve; c&#7911;a c&aacute;c t&#7893; ch&#7913;c. B&#7855;c M&#7929; &#273;&#7841;t quy m&ocirc; 1.2 ngh&igrave;n t&#7927; USD, &#273;&#432;&#7907;c th&uacute;c &#273;&#7849;y b&#7903;i ETF v&agrave; d&#7883;ch v&#7909; l&#432;u k&yacute;, trong khi ch&acirc;u &Acirc;u &#273;&#7841;t 1.1 ngh&igrave;n t&#7927; USD, t&#7853;p trung v&agrave;o DeFi v&agrave; c&aacute;c khung ph&aacute;p l&yacute; nh&#432; <a href="https://beincrypto.com/learn/mica-guide/" target="_blank" rel="noreferrer noopener">MiCA</a>.</p>
<p>So v&#7899;i c&aacute;c khu v&#7921;c n&agrave;y, SSA nh&#7887; h&#417;n v&#7873; t&#7893;ng d&ograve;ng v&#7889;n, nh&#432;ng s&#7913;c m&#7841;nh &#273;&#7897;c &#273;&aacute;o c&#7911;a n&oacute; n&#7857;m &#7903; c&aacute;c &#7913;ng d&#7909;ng th&#7921;c t&#7871;. Trong khi APAC v&agrave; B&#7855;c M&#7929; ph&aacute;t tri&#7875;n nh&#7901; c&aacute;c s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ph&#7913;c t&#7841;p, SSA ch&#7913;ng minh r&#7857;ng ti&#7873;n &#273;i&#7879;n t&#7917; c&oacute; th&#7875; gi&#7843;i quy&#7871;t c&aacute;c th&aacute;ch th&#7913;c kinh t&#7871; c&#417; b&#7843;n, t&#7915; b&#7843;o v&#7879; gi&aacute; tr&#7883; t&agrave;i s&#7843;n tr&#432;&#7899;c l&#7841;m ph&aacute;t &#273;&#7871;n x&acirc;y d&#7921;ng c&#417; s&#7903; h&#7841; t&#7847;ng thanh to&aacute;n xuy&ecirc;n bi&ecirc;n gi&#7899;i.</p>
<p>Tr&#432;&#7901;ng h&#7907;p c&#7911;a SSA r&otilde; r&agrave;ng cho th&#7845;y r&#7857;ng ti&#7873;n &#273;i&#7879;n t&#7917; kh&ocirc;ng ch&#7881; l&agrave; c&ocirc;ng c&#7909; &#273;&#7847;u c&#417; hay s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh ti&ecirc;n ti&#7871;n m&agrave; c&ograve;n l&agrave; gi&#7843;i ph&aacute;p th&#7921;c t&#7871; cho c&aacute;c n&#7873;n kinh t&#7871; m&#7899;i n&#7893;i. Nh&igrave;n v&#7873; ph&iacute;a tr&#432;&#7899;c, n&#7871;u khu v&#7921;c n&agrave;y ti&#7871;p t&#7909;c c&#7843;i thi&#7879;n khung ph&aacute;p l&yacute; c&#7911;a m&igrave;nh &ndash; c&acirc;n b&#7857;ng gi&#7919;a th&uacute;c &#273;&#7849;y &#273;&#7893;i m&#7899;i v&agrave; qu&#7843;n l&yacute; r&#7911;i ro &ndash; SSA c&oacute; th&#7875; tr&#7903; th&agrave;nh trung t&acirc;m h&agrave;ng &#273;&#7847;u th&#7871; gi&#7899;i v&#7873; <a href="https://vn.beincrypto.com/crypto-adoption-increasing-among-older-generation/" target="_blank" rel="noreferrer noopener">s&#7921; ch&#7845;p nh&#7853;n ti&#7873;n &#273;i&#7879;n t&#7917;</a> trong th&#7921;c t&#7871;.</p>
