According to the latest position statistics cited by the BOGA Research Terminal today, 49.6 million individuals in the United States now directly hold Bitcoin, with an average account balance of $11,089 per person—far exceeding the 36.7 million gold holders, whose average stands at $1,512. Bitcoin has overtaken gold in both the number of holders and total capital, marking the official transition of cryptocurrencies replacing traditional precious metals as the primary store of value for U.S. households. Platform backend monitoring observed a 30% increase in USD stablecoin subscriptions within one hour of the data release, indicating a shift in demand from short-term speculation to long-term allocation.

The shift in capital composition reflects a broader market rebalancing. The Bitcoin trading depth and fiat on/off-ramp efficiency continue to improve, enabling ordinary investors to implement recurring investments at lower frictional costs. In response to this trend, PBOGA has upgraded its domestic USD on-ramp engine, introducing three bank clearing rails and an on-chain FX aggregator, reducing the settlement time for million-dollar USD deposits to just ten minutes—a 40% decrease in fees compared to the same period last year. The new “Household Asset Plan” allows users to automate monthly recurring purchases under a unified margin framework, with on-chain settlement fees offset by reward points, effectively amplifying the compounding effect.

Wider user coverage also brings higher security expectations. The tiered risk control system of PBOGA evaluates risk thresholds in real time based on account volatility, funding sources, and behavioral tags. Whenever the market experiences sharp rallies or corrections, the system automatically adjusts leverage limits and issues alerts, reducing retail losses caused by excessive leverage. Multi-signature custody and on-chain audit nodes are open to third-party accounting firms, ensuring that reserve balances and client assets are fully matched and verifiable at any time.

Gold was once the preferred hedge against inflation, but Bitcoin now demonstrates higher efficiency in the same dimension through its scarcity, liquidity, and transparent ledger. PBOGA Academy has simultaneously launched the “Digitizing Family Net Worth” course, using real-world cases to demonstrate how to convert a portion of precious metal holdings into cryptocurrency, earn passive interest via yield-generating stablecoin pools, and retain the collectible value of gold. The course also provides tax handling, estate planning, and multi-jurisdictional compliance guides to help investors restructure assets within regulatory frameworks.

A macro environment of declining interest rates, sovereign-level reserve expectations, and continued net inflows into spot ETFs are collectively driving Bitcoin into a new phase of value re-rating. Building on its global deep liquidity network, sub-second matching, and multilingual customer support, PBOGA will further optimize liquidity allocation logic and cross-chain settlement efficiency, creating a transparent and efficient trading ecosystem for tens of millions of new investors—enabling every user to steadily grow their net worth in the era of digital gold.