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關於Strike
Strike是一款以比特幣為核心的金融應用程式，讓用戶能直接以BTC買賣、發送比特幣、支付帳單及收取薪資。其核心優勢在於運用閃電網路實現近乎即時且趨近零成本的交易，定位為傳統金融與比特幣之間的橋樑。 該應用主要解決傳統銀行業務及跨境轉帳效率低落、手續費高昂的問題。Strike允許用戶將當地貨幣即時兌換為比特幣，並以極低成本進行全球轉帳，收款方無需銀行帳戶即可收取當地貨幣。此外，該平台也提供比特幣抵押貸款，讓用戶在不賣出資產的情況下取得現金。 在過去六個月（2026年2月至8月），Strike於3月取得紐約州BitLicense，得以在全美各州營運。5月推出標準比特幣抵押貸款產品，7月再推出「抗波動」貸款方案，消除因價格觸發的清算機制，貸款成數上限為45%，期限6個月。不過該產品排除加州、紐約州及德州，且若借款人超過10天寬限期仍未還款，仍存在清算風險。此產品推出時正值比特幣低於62,000美元的熊市期間。
Strike 由 Jack Mallers 創立，從 Zap 錢包演變為全球性的比特幣支付平台。關鍵里程碑包括： 2019 年 9 月，Mallers 宣布推出 Olympus，最初是支援閃電網路、讓用戶可在 Zap 內部購買比特幣的法幣通道。經過測試與迭代，Olympus 轉變為 Strike，一個獨立應用程式，讓用戶無需管理節點或流動性，即可透過銀行卡或帳戶進行比特幣支付。 Strike 拓展至國際市場，2024 年在歐洲推出，提供 SEPA 存款、免費閃電網路提款及全球 P2P 轉帳等功能，觸及近 100 個國家。 一項重要的長期發展是針對美國客戶推出比特幣擔保貸款，讓用戶無需出售比特幣即可借入法幣，貸款金額從 75,000 美元到 200 萬美元不等。此舉與 Mallers 領導比特幣庫存公司 Twenty One 相輔相成，凸顯 Strike 將比特幣整合至主流金融的策略。
In March 2026 Strike obtained both a BitLicense and a money transmitter licence from the New York State Department of Financial Services, completing its coverage of all 50 US states. On June 30 its European entity Zap (Strike) Europe Limited received a MiCA crypto-asset service provider licence from Malta's MFSA, secured on the final day of the transitional period and passported across all 27 EU member states.
In April Strike was processing roughly 2 million Lightning transactions a month. Bitcoin-backed lending had expanded to more than 65 countries, starting at about 9.5% APR in the United States and 10.5% internationally. Founder Jack Mallers also runs Twenty One Capital (NYSE: XXI), a listed bitcoin treasury company.
Strike treats bitcoin-backed lending as its second curve: a $2.1 billion credit facility with Tether is in place, Mallers says the product has grown faster than anything else the company launched, and he frames a $20–30 billion centralised bitcoin lending market against a $1.25 trillion asset class as the opportunity. On compliance it secured the Maltese MiCA passport in a window where fewer than 300 firms hold full authorisation, contrasting with Binance's retreat in Europe after Greece rejected its application; the bigger variable is Tether Investments' proposed merger with Twenty One Capital and miner Elektron Energy, which Mallers has publicly backed and which would turn Strike from an app into part of a listed bitcoin treasury.
Jack Mallers（創辦人） Jack Mallers 是 Strike 的創辦人，Strike 是一家比特幣支付公司。他是比特幣與閃電網路的知名倡導者。Mallers 在 2021 年薩爾瓦多採用比特幣作為法定貨幣的過程中扮演了關鍵角色。他曾在推出 Strike 之前於 2020 年創立了非託管閃電錢包 Zap Solutions。他的背景包括短暫就讀於聖約翰大學，以及在芝加哥參與程式設計訓練營。
Strike Europe holds a Malta Financial Services Authority crypto-asset service provider authorisation under the EU Markets in Crypto-Assets Regulation (June 2026); Strike's US entity received a New York Department of Financial Services BitLicense in February 2026.