加密貨幣財富正為全球公民身分與移居選項開啟大門。到 2025 年中，全球已有超過 172,000 位加密百萬富翁，使以投資換取護照的申請量激增 64%。
因應此趨勢，多個國家現允許擁有加密資產的投資人取得「黃金簽證」甚至第二本護照。多數方案最終仍需以傳統貨幣繳付，但越來越多官方單位及授權代理開始於流程中接受比特幣、以太幣與穩定幣。
某些情況下，官方認可的代辦會代為將申請人的加密貨幣兌換成當地貨幣，亦有先行國家直接將加密資產納入流程。這顯示從傳統法幣獨大的模式，開始轉為數位資產也能合法用於移民申辦的世代。
以下為您解析十大全球提供加密貨幣整合的公民／居留權投資計畫國家，橫跨熱帶島國到主要經濟體。每段皆說明申請條件、加密貨幣在流程中的角色，以及加密投資人應注意的利弊。所有資訊截至 2025 年 8 月，皆以事實客觀為原則。
一、萬那杜－加密資產捐款快速取得國籍
計畫簡介：南太平洋島國萬那杜實施名為「發展支持計畫（DSP）」的投資入籍制度，為全球其中最快速的第二本護照路徑：一般 30 至 60 天即可核准國籍。申請人須捐款約 $130,000（單人）起至萬那杜官方基金，四口之家最高約 $180,000。投資者將能取得萬那杜完整國籍與護照，享有該和平群島國家的權益。
加密貨幣整合：雖然萬那杜政府本身不直接收加密貨幣，但允許認可代理代申請人接受加密資產。多家授權機構主動接收比特幣或主流穩定幣，並代為兌換成法幣完成捐款流程，也包辦全部文件手續。也就是說，只要資訊透明並通過標準的身分驗證與反洗錢審查，持有加密貨幣的申請人就能用數位資產支付國籍申請。一些代理甚至直接報出含手續費的 BTC 全包價，通常相當於約 $115,000–$130,000，讓整體流程對加密族群極友善。
加密族群優勢：萬那杜最大吸引力是速度與簡便。全程可遠端申請，無需實際入境、面試或居住要求。無語言與學歷門檻，允許雙重國籍。對加密企業家來說獨具特色的是，萬那杜對個人所得、資本利得、財產及遺產皆為零稅負，對擁有大量加密資產者而言是稅務中性的天堂。其護照免簽國家逾 90 國（包括英國、香港、新加坡），惟進入 EU 申根區的待遇正受歐盟重新審查中。申請可涵蓋全家（配偶、25 歲以下子女與 50 歲以上父母皆可一併申報）。
注意事項：萬那杜經常成為加密百萬富翁及數位遊牧族作為行動力與風險分散備案的首選護照。雖然過程快且條件低，但仍必須透過代理將加密貨幣轉換成法幣，這個步驟需能清楚說明資產來源。整體而言，萬那杜以極快時程及開明態度，成為歡迎數位資產財富取得第二國籍的領頭羊。
二、安提瓜及巴布達－加勒比地區最友善加密投資入籍方案
計畫簡介：加勒比海島國安提瓜及巴布達具備成熟的投資入籍（CBI）制度。投資者可選擇向國家發展基金（單人最低 $100,000 捐款）或認可房地產（通常下限 $200,000）等選項換取國籍。申請流程約需 3 至 6 個月並由認證代理全程負責。持安提瓜護照免簽國家超過 150 個，包括 EU 申根區與英國。
加密貨幣整合：安提瓜在 2025 年初成為區域唯一明文允許加密資產作為申請資格財力證明的入籍國家。政府雖仍要求最終投資以法幣結算，但其入籍單位允許申請人以加密貨幣持有來證明淨資產，為區內創舉。實際操作上，申請人可將比特幣、以太幣等列入文件，經合規流程換匯繳納費用。部分安提瓜律師與代理亦能接受加密支付部分專業服務費，大幅減少對傳統銀行的依賴。
官方頻頻對加密一族釋出友善訊號。一名政府代表明確表示，儘管方案未收取加密幣作最終捐贈，但允許出資人「將持有的加密貨幣兌換成法幣以完成捐款」，對想取得第二本護照的加密富豪而言，開放政策及靈活規範將安提瓜推向領先地位。
加密族群優勢：除加密政策外，安提瓜有高度生活與財務優勢。最重要的是自 2016 年起無個人所得稅，因此加密貨幣買賣、投資收益皆無需當地報稅，也沒資本利得稅。對於想優化加密收益的投資人來說，全球免稅待遇極具吸引力。護照則可輕鬆通行 EU 申根區（180 天中可停留 90 天）及英國 6 個月。
家庭移民名額充裕：單筆 $100,000 捐款通常涵蓋至最多四人（每增一人需補交規費）。此外安提瓜極力發展加密產業，聘任區塊鏈領域顧問、討論立法促進數位貨幣金融創新，甚至探索設立本地加密交易所，對加密創新維持長線支持。
注意事項：申請人仍需接受嚴格盡職審查，包括背景調查，甚至視情況線上面試。擁抱加密資產不等於寬鬆申請——揭露加密資本反而需準備更詳盡資金來源說明，政府經常用第三方鑑識報告審查大額加密資產。流程時間（3-6 個月）也較萬那杜快方案略長。最後，雖然可用來舉證財富，但最終資金仍需落地為法幣。建議欲申辦者提前整理加密交易明細文件。整體來看，安提瓜及巴布達在官方及合規框架下，為歡迎加密新富帶來獨特平衡處理模式。
三、聖克里斯多福及尼維斯－最早接納加密作財力證明的先驅
計畫簡介：聖克里斯多福及尼維斯擁有全球歷史最悠久（1984 年啟動）的投資入籍計畫。聯邦政府允許申請人通過法定途徑取得國籍，主流選項為向可持續發展基金捐贈 $150,000（單人）或購買核可房地產（最低 $200,000）。其護照為加勒比地區頂級，免簽（或落地簽）涵蓋約 150 國，包括歐洲申根區及英國（與安提瓜類似）。辦理期步約 4–6 個月，視盡職調查情形而定。
加密貨幣整合：2025 年 3 月，聖克里斯多福及尼維斯修改 CBI 規定，明文允許加密資產作為申請財力申報。投資入籍單位（CIU）宣布，申請人可將守有的比特幣、以太幣等主流數位資產納入財力聲明，以證明資金門檻。這不表示政府直接收取 $150,000 捐款的比特幣——直接加密支付至政府... not yet taken. Rather, crypto can count toward demonstrating overall net worth and liquidity. By acknowledging digital assets as legitimate wealth, St. Kitts is integrating crypto into its due diligence framework.
尚未直接收取。取而代之的是，加密貨幣可以用來證明整體淨資產與流動性。聖克里斯多福及尼維斯（St. Kitts）藉由承認數位資產為合法財富，已在其盡職調查框架中融入加密貨幣。
With this allowance come additional compliance steps. Applications involving crypto are subject to enhanced due diligence and fees. The CIU requires extensive documentation for crypto funds, including proof of ownership of the assets, full transaction histories to verify how the crypto was acquired, and third-party valuation reports at the time of application. Essentially, an applicant might need to produce exchange account statements or wallet records showing they legitimately obtained their crypto (for example, through trading or as income) and that any gains were legal. These documents help ensure the funds are not proceeds of illicit activities. If satisfied, the CIU allows the crypto to be converted to fiat and used for the investment, or simply counted in net worth calculations before the applicant liquidates a portion to make the required donation.
這項允許也帶來額外的合規步驟。涉及加密資產的申請會進行加強型盡職調查並需支付相關費用。CIU（公民投資單位）會要求針對加密資金提供詳細文件，包括加密資產的所有權證明、完整交易紀錄（用來驗證加密貨幣的獲取方式）、以及申請時期的第三方資產評價報告。基本上，申請人須出示交易所帳戶對帳單或錢包紀錄，以顯示其合法取得加密資產（例如透過交易或收入）及相關獲利的合法性。這些文件能協助確保資金不是非法所得。CIU如認可，則允許將加密貨幣兌換為法定貨幣並用於投資，或直接計入淨資產計算，在申請人兌現部分資產進行必須的捐款之前。
Benefits for Crypto Investors: St. Kitts and Nevis extending recognition to crypto wealth is a landmark because this program has long been considered a “platinum” standard in the investment migration industry. The country’s willingness to innovate signals greater flexibility for applicants who might have significant assets in crypto rather than cash. Investors who have a large portion of their net worth in Bitcoin, for instance, no longer need to move all of it into a bank account before even applying – they can present their BTC holdings to satisfy wealth requirements (though eventually the donation will still be made in fiat after converting a portion of those holdings).
對加密投資者的好處：聖克里斯多福及尼維斯將加密財富納入認可，具有里程碑意義，因為該計畫長期以來被認為是投資移民界的「白金標竿」。該國創新嘗試代表申請人若主要資產是加密貨幣而非現金，可享更高彈性。持有大量比特幣等加密資產的投資人，例如，不必在申請前將全部資產轉進銀行帳戶——只需提交比特幣持有證明即可滿足財富門檻（但最終仍須兌現部分加密資產以法幣完成捐款）。
Once approved, new citizens of St. Kitts & Nevis enjoy one of the best travel documents in the Caribbean. The St. Kitts passport offers visa-free travel across Europe, and under current agreements, citizens can spend up to 90 days in a 180-day period in Schengen countries and up to 6 months per year in the UK without a visa. Like Antigua, St. Kitts imposes no capital gains or income tax on individuals locally, which means crypto profits are not taxed in-country – an attractive feature for those planning to reside or structure assets there. The country also has a stable Eastern Caribbean dollar (pegged to USD) and uses the Eastern Caribbean Central Bank, providing a reasonably safe financial environment.
一旦通過審核，聖克里斯多福及尼維斯的新公民即可享有加勒比海地區最優質的旅行證件之一。其護照可免簽前往歐洲多國，依現行協定，公民可於申根國家180天內停留最多90天、在英國每年可停留6個月無需簽證。和安地卡類似，聖克里斯多福及尼維斯對個人不課徵資本利得稅及所得稅，代表加密獲利在當地免稅——這對有意居住或資產規劃者極具吸引力。此外，當地貨幣東加勒比元（與美元掛鉤）穩定，由東加勒比中央銀行管理，金融環境相當安全。
Notable Considerations: St. Kitts & Nevis is known for stringent vetting of applicants – in recent years they’ve tightened their due diligence to protect the reputation of the program. The inclusion of crypto may lengthen the review process for some files, as extra verification is performed on blockchain transactions. Applicants should budget for higher due diligence fees if using crypto as part of their application, and expect potentially a few extra weeks of background checks. Additionally, St. Kitts does not currently allow dual citizenship for certain nationalities it deems high-risk, and generally, all applicants must have clean source of funds and no criminal record. The acceptance of crypto does not bypass these fundamentals; it simply adds a new avenue for legitimate wealth declaration. Overall, St. Kitts & Nevis has embraced crypto in a cautious but meaningful way, making it a top option for those who want a renowned passport and have crypto wealth to back their application.
注意事項：聖克里斯多福及尼維斯以嚴格審查著稱——近年為維護計畫聲譽更進一步加強盡職調查。納入加密貨幣後，部分個案審查流程將因區塊鏈交易需額外驗證而拉長。若以加密資產參與申請，須預留較高的盡職調查費用及預期多數週的背景查核期。此外，對於部分高風險國籍人士目前不允許雙重國籍，且一般而言，所有申請人均須資金來源清白且無犯罪紀錄。接受加密貨幣不會繞過這些基本條件，而是另闢合法財富申報的管道。整體而言，聖克里斯多福及尼維斯以審慎而務實的方式擁抱加密貨幣，成為尋求知名護照且持有加密財富人士的首選之一。
4. Dominica – Longest-Running Program Embracing Crypto via Trusted Agents
Program Overview: The Commonwealth of Dominica (not to be confused with the Dominican Republic) operates one of the world’s longest continuously active citizenship-by-investment programs, launched back in 1993. Dominica’s program typically requires a monetary contribution to its Economic Diversification Fund (EDF). The minimum donation is usually $100,000 for a single applicant, with higher amounts for including a spouse or family (for example, around $175,000 for a family of four, plus fees). Dominica also offers a real estate investment route (minimum $200,000 in approved developments) as an alternative. The processing time is approximately 3 to 5 months on average, and no visit to Dominica is required to obtain the passport.
計畫概述：多米尼克（請勿與多明尼加共和國混淆）自1993年啟動，擁有全球持續運作時間最長的公民投資計畫之一。多米尼克計畫通常需捐款至其經濟多元化基金（EDF），最低捐款額為10萬美元（單一申請人），若包含配偶或家人金額會提升（如四口之家約需17.5萬美元外加相關費用）。多米尼克也提供房地產投資途徑（獲批准項目最低投資額20萬美元）作為替代選擇。平均處理時間約3至5個月，申請護照無須親赴當地。
Crypto Integration: Dominica’s government doesn’t directly accept cryptocurrency for payments, but it has signaled openness to crypto-derived funds by allowing the use of authorized agencies that can facilitate crypto-to-fiat conversion. In practice, an investor can work with one of the licensed CBI consulting firms (such as those mentioned in industry sources like Apex Capital Partners or Citizenship Bay) to pay the required donation using Bitcoin, Ethereum, or Tether (USDT). The agency will accept the crypto on behalf of the client, convert it through legal banking channels into USD, and then deposit the fiat donation with Dominica’s government fund. This model ensures the source of funds is transparent – applicants must still provide documentation proving the lawful origin of their crypto (e.g., exchange statements, trading records) so that the funds can be treated like any other asset during due diligence. Essentially, crypto serves as the funding mechanism, even though the final payment to the government is in dollars.
加密整合：多米尼克政府並不直接接受以加密貨幣付款，但已展現對加密資金來源的開放態度，允許經授權代理機構協助完成加密幣轉法幣。實務上，投資人可透過獲牌CBI顧問公司（如Apex Capital Partners、Citizenship Bay等業界資料指出的業者），以比特幣、以太幣或Tether（USDT）付款。代理機構以客戶名義收到加密幣，透過合法銀行管道兌換成美元，再將法幣捐款存入多米尼克政府基金。這種模式確保資金來源透明——申請人仍需出具證明加密幣合法來源的文件（如交易所對帳單、交易紀錄），讓這些資金能於盡職調查中被視為其他資產。基本上，加密貨幣是資金運作媒介，儘管最終付給政府的是美元。
Dominica’s CIU has experience dealing with crypto wealth. It works closely with due diligence firms that understand blockchain transactions, making sure that any digital asset wealth is properly vetted. The use of crypto via trusted intermediaries means that from the government’s perspective, they receive fiat currency – but the investor is conveniently able to liquidate crypto without leaving the migration process. This approach has made Dominica and some of its peer Caribbean programs popular among those “moving abroad with crypto” or seeking a “Bitcoin passport,” since it reduces friction in using digital wealth for a second citizenship.
多米尼克CIU具有處理加密資產的經驗，並與熟悉區塊鏈交易的審查公司密切合作，確保所有數位財富都經過嚴格查核。透過可信代理運用加密貨幣，從政府立場而言只收到法定貨幣——但投資人可順利在移民過程中實現加密資產。這使多米尼克與若干加勒比同儕計畫成為「帶著加密幣移居」或尋找「比特幣護照」者的熱門方案，因為大幅降低以數位資產取得第二國籍的實務阻礙。
Benefits for Crypto Investors: Dominica’s passport is often cited as one of the best values in the CBI market. It grants visa-free or visa-on-arrival access to about 140 countries, including the Schengen Area of the EU, the UK, Singapore, Hong Kong and others. For crypto entrepreneurs who travel frequently, this opens up major financial centers and crypto hubs without needing separate visas. The program also allows dependent family members to be included – spouse, children (up to age 30 if financially dependent), and even parents or grandparents over a certain age can all be added, which is convenient for those looking to secure mobility for their whole family. Dominica imposes no residency requirement (you never have to live there before or after citizenship), and there are no language exams or cultural tests involved. It’s truly an investment-for-passport exchange, handled efficiently.
對加密投資人優勢：多米尼克護照經常被譽為CBI市場性價比最高的選擇之一。免簽或落地簽國家約140個，包括歐盟申根區、英國、新加坡、香港及其他地區。對經常出國的加密創業者，意味著可無需額外簽證出入重要金融與加密中心。該計畫也允許眷屬納入——配偶、（如經濟依附最高可到30歲的）子女，甚至一定年紀的父母或祖父母皆可加入，對全家一起取得「行動自由」非常便利。多米尼克不設居住要求（入籍前後均無需定居），也無語言或文化考試。這確實是一個高效率的「捐贈換護照」方案。
From a crypto standpoint, Dominica has been friendly. The country even announced plans to issue a national digital currency in partnership with the blockchain network TRON in 2022 (granting statutory status to certain Tron crypto tokens), highlighting its innovative stance on blockchain adoption. While that initiative is separate from the CBI program, it underscores that Dominica’s government is not averse to crypto-related ideas. Moreover, Dominica’s banking sector has frameworks for dealing with converted crypto funds, and its regulators are familiar with KYC/AML around crypto, which can make the process smoother for applicants.
從加密角度來看，多米尼克非常友好。2022年官方甚至宣布與TRON區塊鏈合作發展國家級數位貨幣（部分Tron加密幣具法定地位），彰顯其在區塊鏈應用上的創新立場。儘管該計畫與CBI無直接關聯，但顯示多米尼克政府樂於接納加密相關構想。此外，多米尼克銀行體系具備接受兌換後加密資金的作業框架，監管單位對加密資產的KYC/AML實務也相當熟悉，有助申請流程順利。
Notable Considerations: As with other Caribbean CBIs, thorough due diligence is a cornerstone. Dominica in particular partners with independent investigative agencies to vet applicants – any hint of illicit gain (crypto or otherwise) will result in rejection. Investors must ensure their crypto can be traced back to legal sources and that they have paid any required taxes on those gains in their home jurisdiction, if applicable. Another point is that Dominica’s pricing (especially the $100k donation) is for a single applicant; adding family members raises the contribution significantly (for example, a family of four typically must donate $175k plus around $25k per additional dependent) – so the “$100k Bitcoin citizenship” often touted is really the entry-level cost. Lastly, one must convert the necessary amount of crypto into fiat for the donation. This exposes the investor to market risk (crypto volatility) – agencies usually lock in a rate or require the equivalent fiat value, so plan for that. In summary, Dominica provides a time-tested, efficient pathway to a second passport and welcomes crypto as funding through trusted intermediaries, which has kept it in the spotlight for crypto investors.
注意事項：如同其它加勒比海CBI，多米尼克特別重視徹底盡職調查，並與第三方調查機構合作——無論加密或其他資產來源若出現非法疑慮，一律遭拒。投資人必須保證加密資產可追溯至合法來源，且（如有規定）於本國已依法納稅。另外，多米尼克（尤其10萬美元）報價僅適用單一申請人；眷屬越多，所需貢獻大幅增加（四口之家通常需17.5萬美元，額外眷屬每人約2.5萬美元）——因此所謂的「10萬美元比特幣公民」多屬最低門檻。最後，必須將一定數額的加密貨幣轉為法定貨幣作捐款，這會承受加密貨幣波動的市值風險——代理機構通常會鎖定匯率或要求相當法幣價值，請務必規劃備註。總之，多米尼克以可信中介接納加密幣資金，提供經過時間驗證且高效的第二護照管道，使其長期吸引加密投資人目光。
5. Saint Lucia – Flexible Investment Options Paid via Crypto Conversion
Program Overview: St. Lucia is another Caribbean nation offering citizenship in exchange for investment, and it’s notable as one of the newer programs (established in 2015). The Saint Lucia Citizenship by Investment Program provides multiple routes: a donation to the National Economic Fund starting at $100,000 for single applicants ($140,000 for a couple, $150,000 for a family of up to four), or an investment in government-approved real estate projects (minimum $200,000–$300,000 depending on the project), or purchase of government bonds (a $300,000 minimum, recently adjusted) among others. Processing is relatively quick, often about 4 months, and like its neighbors, St. Lucia imposes no residency or visit requirement to obtain or keep the citizenship.
計畫概述：聖露西亞也是加勒比地區另一個以投資換取公民身分的國家，且屬較新項目（2015年設立）。聖露西亞投資入籍計畫提供多樣選擇：捐贈國家經濟基金（單身申請人10萬美元起，夫妻14萬美元，四口之家15萬美元）或投資經政府批准的不動產開發案（視項目而定20~30萬美元起）或購買政府債券（新調整為30萬美元起）等。辦理速度相對快，通常約4個月且無需申請人定居或到訪聖露西亞。
Crypto Integration: Saint Lucia’s approach to crypto is similar to Dominica’s – while the official CIU doesn’t take Bitcoin or other coins directly, it allows
聖露西亞對加密貨幣的處理方式類似多米尼克——雖然官方CIU未直接接受比特幣或其他加密貨幣，但允許authorized agents and financial service providers to accept crypto payments from applicants. Several migration agencies working with St. Lucia advertise that they can take USD Tether (USDT), Bitcoin, Ethereum, or other major coins as a form of payment, converting them to fiat to pay the government fees and donation. Essentially, an investor could fund their St. Lucian donation or real estate purchase by transferring crypto to an escrow or to the agent’s account; that crypto is liquidated through exchanges or OTC brokers into U.S. dollars which are then forwarded to St. Lucia’s National Economic Fund or the property developer’s account. This setup means the applicant can complete the whole process without needing to leave the crypto ecosystem until the last step, which the agent handles. As long as the applicant provides documentation (like transaction records and proof of original source of funds that bought the crypto), St. Lucia’s government is satisfied that the investment comes from legitimate money, just as if it had come from a bank account.
2022年，聖露西亞官員曾明確表示他們樂於探索接受加密貨幣捐款，甚至考慮過是否以加密貨幣方式持有部分CBI資金，雖然最終他們仍指定僅接受法定貨幣作為託管。不過，透過代理人進行後端兌換，實際上也使加密資金申請成為可能。這種間接接受已被許多加密創業家採用。例如，有人持有大量穩定幣，可以透過中介將（例如）150,000 USDT換成美元，用於捐款和相關費用。關鍵好處在於便利性以及潛在的速度——轉帳穩定幣往往比經由銀行安排國際匯款更快更簡單，尤其對於本來就以加密貨幣為主的用戶來說更有利。
加密投資人的優勢：聖露西亞護照等同多米尼克（Dominica），均享有大約145國的免簽待遇，包括歐盟申根區、英國、大部分拉美國家及關鍵的亞洲國家如新加坡。對來自護照較弱國家的申請者來說，可大幅提升全球流動性。該CBI項目可讓主申請人攜同配偶、子女（21歲以下，或受申請人撫養可至30歲）、甚至55歲以上父母一併申請，非常適合全家規劃。聖露西亞還提供多元投資路徑（捐款、房產、債券），投資人可按自身財務策略擇優而行，例如加密投資人對前期成本較低、但無法退還的捐款方案通常較感興趣，若偏好資產增值，也可選房產投資。無論選哪一種加密貨幣都能作為協助資金調配的工具。
稅務方面，聖露西亞與多數加勒比地區一樣，對個人課稅制度極為友善：無資本利得稅、無全球所得稅、無遺產稅。本國居民或公民在國外累積的加密貨幣或收入都不會被本地徵稅。如果加密投資人最終選擇遷往聖露西亞（非強制，只是可行選項），在國外賺取的加密收益都不必繳納當地稅金。此外，聖露西亞為東加勒比貨幣聯盟成員之一，貨幣穩定，金融監管環境對企業營運或銀行業務信心十足。
聖露西亞CBI部門以效率和服務優良聞名。只要申請文件齊全，有時3個月內就會核發公民資格。對加密投資者而言，等於理論上可以在一季（約三個月）內，把比特幣等數位資產兌換成第二本手持護照，這個吸引力在動盪時代更為突出。
值得注意的是：聖露西亞在看到前期計畫的經驗教訓後，已加強盡職調查，預期背景審查將非常仔細。若資產來源於加密貨幣，請準備好解釋購買該加密貨幣時的資金來源。這可能包括最初購買加密貨幣時的銀行流水，或將企業出售款項投入加密貨幣的協議等。誠實透明很重要；錢包裡有大餘額並不足以通過審核。此外，聖露西亞房產選項需持有（通常5年），且轉售市場有限，對多數申請人而言，捐款路徑通常最單純。
最後，和所有這類項目一樣，匯率及費用要事先確認。經由加密支付的，代理或許會收取手續費或設定較為保守的兌換匯率以規避波動風險。務必問清楚細節：例如USDT是否固定1:1，有沒有因兌換時BTC價格劇烈波動而收取溢價等。有了這些前提，聖露西亞仍是追求快速第二國籍的加密投資人極具吸引力且彈性的選擇，對加密貨幣生態友善的中介安排讓其穩居頂尖之列。
6. Grenada – Crypto-Friendly Stance and Pathway to a Valuable Passport
Program Overview: Grenada, a Caribbean island state, offers a Citizenship by Investment program that has gained attention for its geopolitical perks. To obtain Grenadian citizenship, investors have two main options: a donation of at least $150,000 to the National Transformation Fund (for single applicants) or an investment in government-approved real estate starting from $220,000 (which must be held for at least 5 years). Processing takes roughly 4–6 months. Grenada’s passport is strong (visa-free access to about 144 countries) and uniquely includes visa-free travel to China – a rare benefit among CBI passports. Moreover, Grenada is the only CBI-country that has an active treaty with the United States allowing E-2 Investor Visas, meaning Grenadian citizens can apply to reside in the U.S. as entrepreneurs. This makes Grenada’s program particularly attractive beyond just the usual travel freedoms.
專案概覽：格林納達是加勒比海島國，其投資入籍計畫因地緣政治優勢備受矚目。取得格林納達國籍有兩大主要方式：單身申請者可捐款至少15萬美元至「國家轉型基金」，或投資政府核准之房地產（至少22萬美元，需持有不少於5年）。審理時間約4至6個月。格林納達護照實力堅強（約有144國免簽），並獨家提供中國免簽——這在CBI護照中極罕見。此外，格林納達是唯一與美國簽有E-2投資人簽證條約的CBI國家，意即國民可申請以創業者身分赴美居留。這也讓格林納達項目比一般單純增加旅遊自由更具吸引力。
Crypto Integration: The Grenadian authorities have explicitly embraced applicants with cryptocurrency wealth. The government now accepts crypto-derived funds as evidence of an investor’s net worth and source of funds, so long as those assets are fully documented and converted through approved, regulated channels. While, as with others, the final investment must be in fiat (USD), the key point is Grenada’s CIU will recognize and work with crypto holdings. According to one analysis, Grenada is willing to accept that an applicant’s money comes from selling Bitcoin or other crypto, as long as the crypto’s origin is legal and well-documented. Applicants can provide portfolio screenshots, exchange statements, and letters from exchanges or custodians to substantiate their crypto wealth. The funds can then be converted to dollars in a compliant way (through banks or OTC desks) for the actual donation or real estate purchase.
這個項目的加密幣整合度極高。格林納達官方公開歡迎持有加密資產的申請人。現行政策接受以加密貨幣變現所得作為投資淨值及資金來源的證明，只要該資產來源證明完整且經由合規、受監管的渠道兌換。雖然跟其他國家一樣，最終投資須以法幣（美元）匯入，但重點在於格林納達CBI單位願意承認且與加密資產配合審核。依據相關分析，格林納達可接受申請人從比特幣或其他加密資產變現的資金——只要資產來源合法、文件齊備。申請者可遞交資產截圖、交易所報表、甚至交易所或託管人開立的說明，證明自身加密財富。而後資金經由銀行或OTC平台合規結匯，實際用於捐款或購買房產。
This is significant because some countries’ immigration units still balk at crypto money, fearing difficulty in verification. Grenada, however, has kept pace with crypto adoption. By 2023-2024, it had put in place a regulatory framework – the Virtual Asset Business Act – to license and oversee crypto businesses. That familiarity has translated into the CBI sphere. In practical terms, many agencies and law firms dealing with Grenada’s program can accept Bitcoin or USDT from applicants, handle the exchange, and present the resulting fiat funds to the government. Grenada’s CIU, comfortable with this arrangement, will review the documentation of the crypto transactions during due diligence and, if everything checks out, approve the application.
此舉意義重大，因部分國家移民單位對加密資產態度猶豫，擔心審查困難；但格林納達已緊貼加密資產發展。2023至2024年間，推動了《虛擬資產業務法》，以發牌和監管方式讓加密企業合法經營。這種熟悉度同樣體現在CBI領域。實務上，協助格林納達入籍申請的中介及律所，普遍可收取比特幣或USDT，協助其兌換、合規入帳至政府。CBI部門熟悉這樣的流程，會於盡職調查階段審閱相關文件，若無問題即核准申請。
Benefits for Crypto Investors: Grenada is often cited as one of the most crypto-friendly jurisdictions, not only for its CBI policy but also its domestic economic policies. For one, Grenada imposes no capital gains tax on individuals. This means if you’re a Grenadian tax resident (which you could be after getting citizenship, if you choose to reside there), any profit from selling or trading cryptocurrency is entirely tax-free at the personal level. There’s also no tax on crypto holdings (no wealth tax) and no specific cryptocurrency transaction taxes in Grenada. The country runs on a largely territorial tax system – foreign-sourced income is often exempt for residents – which can potentially shield active crypto traders or investors who base themselves in Grenada from taxation on their global crypto earnings.
對加密投資人來說，格林納達一直被譽為全球最友善的加密司法管轄區之一，這不僅因CBI政策，還有本地經濟制度。首先，格林納達對個人無資本利得稅，亦即若你拿到公民資格並定居本地後，出售或交易加密貨幣所得全部免稅。此外，無加密貨幣持有稅（資產稅）、也無針對加密貨幣交易的特別稅。格林納達實行屬地主義稅制——對於境外所得，居民可基本免稅，故活躍的加密投資人或交易者，若落地格林納達，可全面避開海外加密獲利的課稅。
From a regulatory perspective, Grenada provides clarity without hostility. Cryptocurrency trading and usage are legal in Grenada, and the government’s approach has been to regulate rather than restrict. As mentioned, the Virtual Asset Business Act (2021) and its 2024 regulations set up a reasonable licensing regime for exchanges and crypto service providers. This means crypto businesses can operate in Grenada under clear rules, and individual crypto users benefit from an environment that is not arbitrary. For example, a Grenadian citizen running a crypto startup or fund can register it locally with regulatory approval, rather than operate in a grey zone. The local financial watchdog (GARFIN) oversees compliance but has moderate fees and a pro-business attitude.
就監管觀點而言，格林納達政策明確，對加密資產既不敵對也不鬆散。加密貨幣在當地完全合法，官方立場是規範而非禁止。如前所述，《虛擬資產業務法》（2021）及其2024年細則已設下合理而明確的發牌規章。故加密企業可依正規路線在當地運作，個人用戶也享有不隨意變動的政策。例如，本國公民若要設立加密初創公司或基金，可合法註冊，獲金融監理批准後運營，無需打擦邊球。金融管理局（GARFIN）負責監督合規，但費用合理且態度親商。
Another big advantage of Grenadian citizenship for crypto folks is the previously mentioned E-2 investor visa treaty with the United States. Grenada is the only country with a CBI program that has this treaty. It means if you become a Grenadian and you have a bona fide business to invest in the U.S., you can apply for a renewable E-2 visa, allowing you (and your family) to live in the U.S. and run that business. Many crypto entrepreneurs eyeing the U.S. market find this valuable. Additionally, Grenada’s visa-free list includes the UK, EU, Russia, and as noted, China – the China access can be a
格林納達國籍對加密投資者的另一大吸引力，在於前述可申請美國E-2投資人簽證。格林納達是唯一具此條約、同時開放CBI計畫的國家。只要你取得格林納達公民資格、且有真實創業項目要赴美投資，即可用E-2簽證進入美國（可續簽），讓你和家人在美合法居住經營事業。許多以美國為目標市場的加密創業家極重視這項優勢。此外，格林納達免簽國名單涵蓋英國、歐盟、俄羅斯、更如前述的中國——這點相當稀有且具吸引力。boon for crypto businesspeople who travel to Asia frequently.
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對於經常前往亞洲出差的加密貨幣從業者而言，是一大好處。
顯著考量：格林納達的公民身分計畫對家庭來說費用略高（例如一家四口的捐款需20萬美元，高於多明尼克/聖露西亞的家庭門檻）。然而，考量到其獨特福利，價值仍有其合理性。甄別審查過程會嚴格檢視加密資金來源。格林納達有時會要求大額加密貨幣兌換現金須透過特定管道（如知名交易所或銀行）來確保資金來源清白。申請人也有可能需要提供第三方的加密錢包資產審計或資產合法性證明，例如何會師或鑑識公司的函件，證明餘額及幣種皆為合法取得。這會讓準備申請的時間與費用增加，但也是建立信譽的必要部分。
同時值得注意的是，雖然格林納達不對加密獲利徵稅，美國E-2條約選項則有額外影響。若利用格林納達護照以E-2簽證居住美國，則會因為成為美國稅務居民而令全球所得（包括加密獲利）需繳美國稅—因此規劃上必須格外審慎。對計畫長期遠離高稅率地區者而言，格林納達對加密所得零課稅的優勢依然成立。最後就地理位置而言：格林納達是加勒比海地區基礎設施不錯的美麗島嶼，但若不打算定居則此點影響不大。不過，假如哪天需要身處一個友善加密、低稅率的國家，這也很值得考慮。總結來看，格林納達對加密資產的開放態度、強勢護照以及額外美國條約優勢，讓其穩居最佳加密護照選擇之一。
7. Portugal – Golden Visa Residency with Crypto-Funded Investments
Program Overview: 葡萄牙近年成為加密投資者的熱點，歸功於其生活品質、稅賦優惠以及“黃金簽證”投資移民計畫。葡萄牙黃金簽證透過合資格投資可獲得葡萄牙（歐盟國家）可續簽的居留證。過去最受歡迎的路徑是購買價值50萬歐元的不動產。但自2022～2023年起，官方將焦點轉離大都會房地產，改為鼓勵如50萬歐元投資於受監管基金、50萬歐元科學研究、或25萬歐元文化遺產等方案。投資基金路徑近年尤其受到青睞——投資人須投入至少50萬歐元於經黃金簽證批准的葡萄牙創投或私募基金。只要維持投資並符合最基本的居留條件（首年僅需7天、之後每兩年各14天），即可持續續簽，五年後即有權申請永久居留或歐盟公民身分（註：新立法擬將歸化門檻延長至10年）。
Crypto Integration: 雖然葡萄牙不能直接用比特幣繳納黃金簽證投資金，但對於手持加密資產者，官方事實上打開了參與通道。數個針對黃金簽證申請者的投資基金接受來自加密資產的資金。例如有葡萄牙基金投資區塊鏈新創，甚至將部分資產配置加密貨幣——經常被推廣為“加密友善基金”。有些基金結合債券和最高35%比特幣敞口，或直接針對葡萄牙加密與金融科技新創。投資人先將加密利得兌換成歐元（透過銀行或交易所），再將歐元注資基金以達到黃金簽證下限。本質上，加密資產成為資金來源，真正投資時則轉換為法幣。
葡萄牙特別吸引人的地方，是全國範圍的加密友善氛圍搭配黃金簽證。多年來，葡萄牙對個人加密交易利得完全免稅（非職業活動）。自2023年起，短期加密所得（持有未滿一年）開徵20%資本利得稅，但個人長期持有（超過一年）依然免稅。這項制度對於將加密獲利換成人民幣後才搬至葡萄牙的人尤其有利，只要持滿一年，即可依法免稅。此外，葡萄牙“非習慣性居民NHR”制度，針對外國收入還可再享10年稅賦優惠，許多外國人會利用此優勢。
為了配合黃金簽證申請人來源多元，葡萄牙銀行和律師事務所也發展出一套加密資金來源證明流程。通常必須證明50萬歐元來源——若來自加密貨幣，就必須提供交易紀錄、最初購買證明等文件。當地有許多專家服務，可追溯你的錢包歷史，協助合規查核。這讓處理加密財富申請的葡萄牙機構，比多數歐洲國家更成熟也更願意接受。
Benefits for Crypto Investors: 葡萄牙黃金簽證本質是居留權（非即時公民身分），卻是極少數適合加密業者、不需放棄本業就能進入歐盟的管道。權益包括可在葡萄牙居住、工作、就學，以及暢行申根26國。最關鍵的是，持有黃金簽證五年（並保持投資）即可申請葡萄牙國籍、取得歐盟護照，而且不必全職住在當地；最基本居住要求僅每年平均7天，對數位遊牧族或全球奔波者最便利。若未來法定年限延長至10年，即使如此葡萄牙仍屬歐盟最快捷的入籍路線之一。
葡萄牙的加密友善並不僅止於稅賦。當地（尤其里斯本）區塊鏈新創生態活絡，經常主辦Web Summit 等大型加密會議。政府一貫寬容監理，不但訂有明確規範（如交易所牌照），同時積極推動創新。這讓居民能對未來監理環境保持較高信心，不怕政策突然轉向敵意。
生活品質同樣加分。許多加密投資者移居里斯本，著迷於溫和氣候、安全、活躍社群。即使不搬過去，每年在葡萄牙待7天也很愉快。英語通用、各項服務現代化。選擇定居的人，也會發現葡萄牙生活成本在西歐屬中等。
Notable Considerations: 葡萄牙黃金簽證正經歷調整。正如上述，政府已限制大城市不動產投資以降溫房市。到2025年中，內陸地區仍可買房，但多數加密資本轉向基金以省卻房產管理麻煩。公民歸化年限討論雖讓前景一度不明，但即便如此，居留權與歐盟自由流動暫未受到影響。另一方面，黃金簽證申請仍面臨行政延宕——葡萄牙常需12個月以上才排得上生物辨識或核准程序，令人困擾。理論上5年可申請歸化，實際可能再往後拖。
站在加密角度，大額資金從加密世界進入葡萄牙金融體系勢必受監管。請確保你所轉的加密收益，在必要時有向原居國申報，並善用合規的交易所或場外交易（OTC）商。葡萄牙銀行偶爾會對大額（特別是加密相關）入帳先暫行凍結或要求補文件。找熟悉加密黃金簽證案件的律師，有助大幅減省阻力。
總結來說，葡萄牙不會讓你直接拿BTC去政府窗口換簽證，但它確實讓加密財富透過專為加密用戶設計的投資方案，成為通往歐盟居留與公民之路的敲門磚，再配合歐洲最開放的加密監理與稅制，堪稱此清單上不可或缺的一環。
8. El Salvador – The World’s First “Bitcoin Citizenship” Program
Program Overview: 薩爾瓦多於2021年率先將比特幣列為法定貨幣，震撼全球。延續這一前衛作風，薩爾瓦多政府在2023年12月推出專為比特幣投資者設計的“自由簽證”計畫。該方案提供即時永久居留權，並大幅加快取得公民身分的途徑，只要申請人（及其家屬）承諾以加密貨幣投入百萬美元即可符合申請資格—— for the Freedom Visa. The program is capped at 1,000 investors per year to maintain exclusivity and manage inflows. Notably, unlike traditional investor visas that might accept stocks or cash, El Salvador’s program is explicitly crypto-only – it was launched in partnership with Tether and is framed as the world’s first fully crypto-funded citizenship pathway.
對於 Freedom Visa，本計畫每年僅限額1,000名投資人，以維持其稀有性並管控申請人數。值得注意的是，薩爾瓦多這項計畫與傳統投資移民不同，傳統計畫可能接受股票或現金，但薩爾瓦多的項目僅限加密貨幣——這是和 Tether 合作推出，號稱全球首個完全由加密貨幣資金支持的入籍方案。
Crypto Integration: El Salvador’s approach is unique in that it allows direct payment in cryptocurrency to the government. The process is two-fold: First, an applicant submits a non-refundable fee of $999 in BTC or USDT as an application due diligence deposit. This fee covers the processing and background checks. The use of crypto here is straightforward – you literally send roughly 0.03 BTC (at mid-2025 prices) to the government’s designated wallet. Once the application is vetted and approved (initial approval has been taking around 6 weeks), the applicant then must invest the remaining $999,001 (to total $1,000,000) in El Salvador. This investment can be in various approved opportunities – for example, government bonds, funding for infrastructure or tech projects, or possibly equity in public-private partnerships that the program designates. Crucially, this entire investment can be done in Bitcoin or USDT as well. The government partnered with Tether so that the conversion and custody of the crypto are handled smoothly. Tether’s involvement presumably ensures that if someone sends $1M in USDT, those tokens are quickly converted to equivalent fiat or otherwise managed so the government has usable funds while the investor’s obligation is fulfilled in crypto terms.
加密整合方面：薩爾瓦多的做法十分特殊，允許直接用加密貨幣向政府付款。程序分兩步走：首先，申請人需以BTC或USDT支付不可退還的$999作為申請盡職調查費用，此費用包含審核與背景查核。這裡加密貨幣的使用非常直接——你只需依2025年中行情發送約0.03 BTC到政府指定錢包。等到申請通過初審並獲批（目前初步批准大約需等6週），申請人需再投資剩餘$999,001，總計$1,000,000於薩爾瓦多。此投資可選各種政府認可的管道，比如國債、基礎建設或科技項目融資，或政府指定公私合營項目的股權。關鍵是，這全部能用比特幣或USDT完成。政府與Tether合作處理加密貨幣兌換與託管，Tether的參與能確保，如果有人匯入一百萬美金USDT，這些代幣會迅速被兌換成法幣或其他方式運作，讓政府取得可用資金，同時滿足投資人的加密義務。
In summary, El Salvador’s program bypasses fiat intermediaries entirely: you don’t need to wire dollars at any point if you have sufficient crypto. The government itself is willing to receive and hold the crypto (or have Tether convert it to stable assets for them). This is a radical departure from other programs where at some step money enters the traditional banking system. El Salvador, having legal tender Bitcoin, treats the crypto as valid payment. Even the residency cards and process have been tailored to accommodate quick crypto payments.
總結來說，薩爾瓦多這個計畫完全跳過傳統法幣流程：只要你有夠多加密貨幣，全程無需匯美元進來。政府本身願意直接收取、持有加密貨幣（或透過Tether幫忙兌成穩定資產）。這種設計與其他必須透過銀行系統的項目相比，極為創新。由於比特幣在薩爾瓦多為法定貨幣，政府將加密貨幣視為合法支付方式。連居留證的流程都特別設計為可快速支持加密貨幣支付。
It’s worth noting that in early 2025, El Salvador’s legislature did modify the Bitcoin Law to make accepting BTC voluntary for merchants (to satisfy the IMF), but this does not affect the Freedom Visa framework – that program was crafted after Bitcoin had already been established nationwide, and the government remains extremely pro-crypto. They effectively just removed the mandate that every shopkeeper must accept BTC; Bitcoin is still legal currency and the government certainly accepts it for its programs.
值得一提的是，2025年初薩爾瓦多國會修改「比特幣法」，使商戶接受BTC變為自願（為滿足IMF要求），但這不影響Freedom Visa框架——該計畫是在比特幣早已於全國普及後才制訂，政府至今仍非常支持加密政策。本質上，只是取消每個商戶必須接受BTC的強制規定；比特幣依然是法定貨幣，政府確實會在各項國家計畫中接受比特幣。
Benefits for Crypto Investors: The Freedom Visa provides permanent residency in El Salvador immediately, with a fast-track to citizenship. While it’s not instant citizenship, it’s much faster than typical naturalization. Successful participants have reported becoming citizens in as little as 6 to 12 months after residency approval, via an accelerated naturalization process written into the program. Essentially, the residency granted by the $1M investment comes with a presidential prerogative to waive the normal multi-year residency requirement for citizenship, allowing investors to apply for a Salvadoran passport after a short period (the exact timing can depend on case-by-case approvals, but it’s clearly much quicker than the usual 5+ years through ordinary laws). This means within a year or so, one could hold a Salvadoran passport, which currently allows visa-free travel to 134 countries, including the entire EU Schengen area, the UK, Japan, Singapore, and most of the Americas. Moreover, a little-known perk: Salvadoran citizens are eligible for Spanish citizenship after just two years of residence in Spain (Spain has a special rule for citizens of former Spanish colonies), providing a potential gateway to the EU for those interested in ultimately relocating to Europe.
加密投資人福利：Freedom Visa 可以讓你立即取得薩爾瓦多永久居留，直通入籍。雖然不是一申請就拿到國籍，但入籍速度遠快於一般歸化。據成功參與者所述，從取得居留到成為公民約只需6到12個月，因為計畫內寫有加速歸化程序。簡單來說，投資一百萬美金所拿到的居留權，附帶總統特許，可豁免傳統多年的居住要求，讓投資人很快就能申請薩爾瓦多護照（確切時間視個案審批，但明確快於一般超過5年的法律途徑）。也就是說，只要一年左右，你就能拿到薩爾瓦多護照，目前可免簽134國，包括整個歐盟申根區、英國、日本、新加坡，以及大部分美洲國家。還有一項鮮為人知的福利：薩爾瓦多公民只需在西班牙居住兩年即可申請西班牙國籍（西班牙對前殖民地國有特殊規定），對想最終移居歐洲的人來說這是一條通往歐盟的潛在捷徑。
Another benefit is that El Salvador imposes zero capital gains tax on Bitcoin by law, since it was legal tender (and this remained even after IMF negotiations). In general, El Salvador has become very tax-friendly to crypto: no tax on BTC trades or holdings, and various incentives for tech businesses. Participants in the Freedom Visa program also support national development projects with their funds, which the government touts as a way to contribute to the country’s growth (education, technology, infrastructure, etc.). For crypto investors who are idealistic about Bitcoin’s mission, there may be a philosophical appeal to backing El Salvador’s bold experiment.
另一大優勢是：按法律規定，薩爾瓦多對比特幣徹底免徵資本利得稅，因為其屬法定貨幣（IMF協商後仍保持不變）。整體來看，薩國對加密稅制極為友善：比特幣交易或持有都免稅，還有各項科技企業獎勵。參加Freedom Visa的人也等於用資金支持國家發展（教育、科技、基建等），政府對外宣稱這是外國人直接貢獻國家成長的方式。對於相信比特幣使命的理想主義者來說，支持這場大膽實驗本身就極具吸引力。
Importantly, the Freedom Visa covers entire families. An investor can include a spouse, children (even adult dependent children), and dependent parents under the one investment. That $1M is steep, but it’s the same whether you apply alone or with five family members. All family get residency and then citizenship on the same accelerated timeline. The residency granted has no physical stay requirement – you are not obliged to live in El Salvador at all to keep it or to obtain citizenship. This truly makes it a “citizenship by investment” in practical terms: a passport for money, albeit via an unusual cryptocurrency route.
特別的是，Freedom Visa 可連同家人一併申請。一人投資，配偶、子女（包括成年受扶養子女）和受養父母都可納入名單。同樣是一百萬美金，無論是一人還是五人一家都能拿到全部權益。家人們將同步獲得永久居留與加速入籍資格。這份永久居留權根本沒有實際居住天數限制——你完全不用長住薩爾瓦多，也能一直持有或入籍。這是真正意義上的「投資入籍」：用錢買護照，只是這裡走了加密途徑。
Notable Considerations: The cost is high – $1,000,000 in crypto – which naturally limits this program to very wealthy crypto holders. It targets ultra-high-net-worth individuals, unlike the Caribbean programs which start around $100k. There is also the question of political risk: El Salvador’s Bitcoin policy has been driven by President Nayib Bukele, who is very popular domestically, especially after a dramatic drop in crime rates. But one wonders about the long-term stability; any change in government in the future could potentially alter the priorities around Bitcoin incentives (though rewriting citizenship granted by investment would be difficult legally once people are citizens). As of now, Bukele’s party has a strong hold, and the country continues to double down on crypto – for instance, planning a “Bitcoin City” and issuing Bitcoin-backed bonds.
需要注意的是：門檻很高——一百萬美金等值加密貨幣——所以這方案注定只適合極少數擁有巨大加密資產的人，比起加勒比海那些最低10萬美金起的「全民入場」計畫，目標完全不同。此外也有政治風險：薩爾瓦多的比特幣政策深受現任總統布格磊推動，布格磊本人在國內極受歡迎，特別是在治安大幅提升之後。但長期來看，如果將來政黨輪替，也難保比特幣獎勵政策不會轉彎（雖然一旦公民權到手，法律上要收回並不容易）。截至目前，布格磊政黨勢力穩固，政府依然積極推動加密，包括規劃「比特幣城市」、發行比特幣債券等。
Another factor is that while the Salvadoran passport is decent (134 countries visa-free), it does not have visa-free access to the United States or Canada (most passports don’t), and notably it currently does not have visa-free entry to China (for those who care about that market, some Caribbean ones like Grenada do). But it does cover all of Europe and is considered one of the stronger Latin American passports.
還有一點是薩國護照屬於中上級別（134國免簽），但目前並未涵蓋美國、加拿大（當然，大多數護照其實也不行），以及中國（如偏好中國市場，加勒比海某些如格林納達則有）。不過歐洲全區免簽，綜合而言在拉美地區已屬強勢護照。
One should also consider the opportunity cost: locking $1M in Bitcoin specifically for this program (the funds must be invested in government-designated projects, which presumably might lock them up for some period or carry some risk) as opposed to other investments. However, the structure isn’t entirely clear if you eventually get returns or if it’s a pure cost. The initial $999 is a fee; the $999,001 goes into investments which might yield something (or could even be regained if structured as an investment rather than donation – further official clarifications would be needed).
還有機會成本需評估：你必須專門把一百萬美金的比特幣投入這計畫（必須投資政府指定項目，這些資金可能被鎖定一段時間，也可能有投資風險），而不是其他更靈活的投資。該架構目前尚不完全透明——能否獲得投資收益還不明確，究竟是損失還是回本得看官方後續釋疑。申請費$999是純費用，剩下$999,001進到投資項目，看最終設計是不可回收還是有機會回本。
Finally, despite Bitcoin no longer being mandated for use, El Salvador remains crypto-centric. Everyday life in El Salvador does allow one to use Bitcoin for many transactions, and the government has a Chivo wallet system – so if one did move there, they’d find a welcoming environment to spending crypto. But also note, the U.S. dollar is the other legal tender in El Salvador and widely used. Crypto investors considering relocating should also note El Salvador’s incredible improvement in security. The homicide rate has plummeted to historically low levels by 2025 due to tough anti-gang measures, making the country much safer than it was a decade ago (now arguably safer than many U.S. cities by crime stats). Still, acclimating to living in Central America is a personal decision – but the beauty is, you don’t have to live there to get the passport.
最後，雖然比特幣全國通用的強制令已取消，但薩爾瓦多仍極度以加密為中心。日常生活許多消費都可用比特幣支付，且政府有官方 Chivo 錢包，所以若真搬去當地，加密友好體驗極佳。不過，美元也是薩國法定貨幣且流通度極高。要移民的加密人士還應注意，薩國治安有了極大改善，2025年兇殺率降到史上最低（歸功於強力反幫派政策），如今甚至比美國不少城市更安全。但要不要適應中美洲生活是個人選擇——關鍵是，你完全不用住在當地也能拿到護照。
In conclusion, El Salvador’s Bitcoin-backed visa/citizenship program is a groundbreaking option that directly leverages crypto wealth for a second passport. It’s expensive but also comprehensive, granting a new nationality in a short time without the traditional fiat hassles. For those in the Bitcoin community seeking a jurisdiction that truly values their holdings as more than just an asset, El Salvador has positioned itself as a haven – making it a top contender, albeit for a select crowd.
總結來說，薩爾瓦多的比特幣投資簽證／入籍計畫是劃時代的選擇，可以直接用加密資產換取第二本護照。雖然昂貴，但程序高效且免除傳統法幣煩瑣。對那些希望找到真正肯定比特幣價值的比特幣持有人來說，薩爾瓦多可以說是最佳避風港——雖然只適合少數族群，卻是行業頂尖之選。
9. Kazakhstan – Emerging Crypto Hub Offering a 10-Year “Golden Visa”
Program Overview: In May 2025, Kazakhstan – a resource-rich nation straddling Central Asia and Eastern Europe – launched its first formal residence-by-investment program. This “Golden Visa” is actually a 10-year renewable residency permit (not citizenship) aimed at attracting foreign capital. The required investment is $300,000 (USD), which must be invested either as equity in a local Kazakhstani company or in government-approved securities/bonds. Once the investment is made and verified, the applicant receives a residency card valid for 10 years and can be renewed thereafter, as long as the investment is maintained. Family members (spouse and dependent children) are included under the same permit, enjoying the right to live, work, and study in Kazakhstan. This program makes Kazakhstan the first country in Central Asia to offer a long-term investor visa akin to Golden Visas in Europe.
計畫簡介：2025年5月，哈薩克——這個橫跨中亞與東歐、資源豐富的國家——推出了首個正式投資居留計畫。這項「黃金簽證」實際上是一張10年期、可續期的居留許可證（非國籍），目標是吸引外資。最低投資金額為30萬美元，可投資於哈薩克本地公司股權，或政府核准的證券／債券。一旦投資完成並經核實，申請人將獲得有效期10年的居留卡，只要持續維持投資即可續期。家庭成員（配偶、受扶養子女）可一同申請，享有在哈薩克生活、工作、就學的權利。這讓哈薩克成為中亞首個推出類似歐洲黃金簽證的長期投資移民國家。
It’s important to note that this residency does not directly lead to citizenship in the way an outright CBI program would. Kazakh citizenship has separate stringent requirements (at least 5 years of residency, language proficiency in Kazakh or Russian, and renouncing previous citizenship, since Kazakhstan typically doesn’t allow dual citizenship). So this is more of a long-term residency solution –
需要注意的是，這類居留權並非如直接CBI（公民身分投資計畫）那樣能直接入籍。哈薩克國籍有更嚴格、獨立的標準（需至少居住5年，通曉哈薩克語或俄語，且須放棄原國籍，因哈薩克通常不允許雙重國籍）。所以這計畫本質上屬於長期居留方案——essentially a base to live and do business, with potential for naturalization down the road if one fully integrates and gives up other nationalities.
基本上，這是一個可以居住和經商的基地，如果你能完全融入並放棄其他國籍，未來也有機會歸化成為公民。
Crypto Integration: Kazakhstan has been actively trying to brand itself as crypto-friendly, especially after China’s crackdown on Bitcoin mining in 2021 led many miners to move to Kazakhstan’s cheap energy environment. The new Golden Visa, however, currently requires the $300k investment in fiat currency; the legislation did not explicitly provide for crypto contributions. Investors must convert any crypto to dollars or tenge (the local currency) and invest through normal channels. That said, the overall environment in Kazakhstan is very welcoming to crypto businesses and innovation. The Ministry of Digital Development has publicly pushed for initiatives like creating a national crypto asset reserve, licensing banks to handle crypto transactions, and even considering a state-supported crypto exchange. There is also the Astana International Financial Centre (AIFC) in the capital (Nur-Sultan, formerly Astana) which is a special economic zone with its own legal system (based on English common law) and a regulatory sandbox for fintech and crypto ventures. AIFC has already issued licenses to crypto exchanges and even hosted pilot projects for crypto trading under oversight.
加密友善整合：哈薩克一直積極將自己塑造成加密友善的國家，尤其自中國於 2021 年打壓比特幣挖礦後，許多礦工搬到哈薩克，因為這裡電力便宜。不過，目前新的黃金簽證方案要求以法幣投資 30 萬美元，法規並未明定可接受加密貨幣直接投資。投資人必須把加密貨幣兌換成美元或哈薩克堅戈（當地貨幣），再透過一般管道進行投資。話雖如此，哈薩克對加密產業和創新本質上採開放態度。哈薩克的數位發展部已公開推動設立國家級加密資產儲備、授權銀行處理加密資產交易，甚至考慮國家支持的加密交易所。首都努爾蘇丹（原名阿斯塔納）的「阿斯塔納國際金融中心」（AIFC）也是特別經濟區，擁有獨立法律體系（採英美普通法），同時為金融科技和加密創新提供監理沙盒。AIFC 已發出多張加密貨幣交易所牌照，並監督多個加密交易試點專案。
All these moves signal that Kazakhstan may integrate crypto more directly into its investment programs in the future. For now, licensed intermediaries in Kazakhstan can assist in converting crypto to fiat for meeting the Golden Visa criteria. It’s plausible that if demand is seen, the government might allow a portion of the $300k to be in crypto or simplify conversion via state channels. But as of 2025, the prudent path is to liquidate your crypto through a legal exchange (perhaps even at the AIFC exchange) and then invest the proceeds into, say, shares of a Kazakh company or bonds, to qualify.
這些舉措意味著哈薩克未來有可能將加密貨幣更直接納入其投資移民計劃。目前，當地合法中介可協助投資者將加密貨幣兌換成法幣以符合黃金簽證規定。若市場需求明顯，政府未來或許會允許部分 30 萬美元以加密資產形式支付，或透過國家管道簡化兌換流程。但截至 2025 年，最謹慎做法仍是先透過合法交易所以（例如 AIFC 交易所）將加密貨幣變現，再用所得投資哈薩克本地公司股份或債券等資產以符資格。
Benefits for Crypto Investors: Kazakhstan’s appeal to crypto investors is partly strategic and partly financial. Strategically, Kazakhstan is positioning itself as a regional crypto hub – it’s at the crossroads of Europe and Asia, bordering China and Russia, and not far from key markets in the Middle East. Having a base here could be useful for entrepreneurs interacting with CIS countries or looking at emerging markets. The country has abundant inexpensive energy, which has already attracted crypto mining operations; the government, rather than banning mining, has tried to regulate and even tax it modestly, indicating a willingness to incorporate crypto industries rather than exclude them.
對加密投資人的好處：哈薩克對加密投資者的吸引力，部分是地緣策略，部分是財務誘因。在策略層面，哈薩克正企圖成為地區加密樞紐——位於歐亞交界，鄰近中國與俄羅斯，且不遠於中東主要市場。對與前蘇聯國家或新興市場有業務往來的企業家來說，在這裡設基地極具潛力。該國能源便宜且資源豐富，吸引了大量加密礦場，而政府並未禁止挖礦，反而適度監管並徵收輕度稅收，顯示他們願將加密產業納入經濟體系，而非排除在外。
Financially, the Golden Visa is relatively affordable at $300k compared to many European Golden Visas which ran €500k or more. And unlike those, Kazakhstan’s permit lasts 10 years straight (most others require renewals every 2 years or so). Kazakhstan also provides significant tax incentives: there is a flat 10% income tax rate, one of the lowest globally. Additionally, certain foreign-sourced income might be exempt for residents (Kazakhstan has flirted with territorial tax principles for foreigners, especially in the AIFC zone). So a crypto trader residing in Kazakhstan might benefit from relatively low taxation, depending on the structuring. The AIFC offers even zero tax for 5-10 years for companies registered in that zone, which could include crypto exchanges or startups.
財務方面，黃金簽證門檻僅需 30 萬美元，與多數歐洲黃金簽證（通常需 50 萬歐元以上）比，顯得相對實惠。與此同時，哈薩克黃金簽證一次核准即可持有 10 年（多數其它國家僅兩年必須續簽一次）。哈國也提供相當優渥的稅賦減免——個人所得稅僅 10% 單一稅率，屬全球數一數二低。部分外國來源收入對稅務居民還可能免稅（哈薩克特別是在AIFC區塊，對外籍人士或採屬地課稅原則，尚在實驗中）。對加密投資者來說，若結構規劃得當，可望享有低稅優勢。AIFC 甚至針對於區內註冊的公司（如加密貨幣交易所或新創公司），前 5-10 年可享零稅率。
Another plus is the inclusion of family – one $300k investment covers spouse and kids, making it a potentially good Plan B for a family. Unlike citizenship programs, there’s no additional fee per dependent for the visa (though there might be nominal processing fees).
另一優勢是家庭成員可一併受益——僅需30萬美元投資即可涵蓋配偶和子女，是適合整個家庭的備案（Plan B）。和公民身分購買計劃不同，及格的黃金簽證不需為每位家屬額外加收費用（但可能有少量處理費）。
Quality of life in cities like Almaty and Nur-Sultan is also decent, with modern infrastructure. Kazakhstan is culturally welcoming to foreigners; many people speak English in business circles, and Russian is widely used (which many international folks pick up). The cost of living can be much lower than in Western countries.
阿拉木圖和努爾蘇丹等城市生活品質不錯，基礎建設現代化。哈薩克文化上對外國人友善；商界英文普及，俄語也廣泛流通（許多外國人都能學會）。生活成本遠低於西方國家。
Notable Considerations: The residency is conditional on maintaining the investment. If the investor pulls out the $300k from the company or sells the securities before 10 years (or without renewing properly), the residency can lapse. It’s not a one-time donation like in the Caribbean; it’s a real investment that ideally should generate returns or at least preserve principal. Therefore, one should do due diligence on where to invest – e.g., putting $300k into a stable Kazakh company or in government bonds (if allowed) might be wise for capital preservation.
重要注意事項：居留資格的維持取決於是否持續維持投資。若投資人10年內從公司撤出30萬美元、或提前出售證券（或未正常續簽），居留資格可能喪失。這和加勒比地區單次捐款方案不同——這是真正的投資，理想狀態應該有報酬或至少保本。因此，投資標的應審慎評估——如選擇穩健的哈薩克公司或國債（若開放）的話，能較保本。
Kazakhstan’s political system is stable but essentially an authoritarian republic; it went through a leadership transition in 2019 and some unrest in 2022. The government remains keen on foreign investment and is unlikely to jeopardize a flagship program by policy whim, but it’s a different environment than EU or Commonwealth nations. Laws can change – for instance, while dual citizenship is not allowed for locals, they haven’t clarified how it would work if a foreign investor later qualifies for citizenship (likely you’d have to renounce originals). But since most investors view this as a residency, not immediate passport, it’s not a concern unless planning for the very long term.
哈薩克雖然政治穩定，但本質上是集權共和國；2019 年經歷領導人更替，2022 年亦有局部動亂。政府對吸引外資態度積極，不太可能因政策突變而影響招牌計畫。不過，體制環境確實異於歐盟或英聯邦國家。法規也會調整——例如本地不允許雙重國籍，對外國投資人將來如能歸化是否要放棄原國籍，目前尚無明文（很可能要放棄原國籍）。但大多數投資人只是當作居留方案，而非立刻取得護照，除非有極長遠打算，否則無太大顧慮。
Also, as a predominantly Muslim-majority country (secular state), and a former Soviet republic, there are cultural differences. However, most crypto investors would probably treat Kazakhstan as a business base rather than a personal liberty paradise – though it is quite free in many respects (religious freedom, relatively open internet except some political censorship, etc.).
此外，哈薩克是以穆斯林為主的世俗國家，也是前蘇聯加盟共和國，文化上與台灣、歐美有差異。不過對多數加密投資人而言，哈薩克是商業基地而非追求個人自由的天堂——雖然在多方面其實相當開放（宗教自由、網路基本自由，僅有部分政治審查等）。
Finally, climate and location: Kazakhstan is landlocked and can be very cold in winter, especially in the north (Nur-Sultan is one of the coldest capitals). Almaty is milder and more cosmopolitan. If you were thinking of actually living there, these factors matter – if not, holding a residence permit to occasionally visit might be fine.
最後，氣候與地理因素：哈薩克是內陸國家，冬天（尤其北部如努爾蘇丹）相當寒冷，阿拉木圖氣候溫和且較國際化。若真要長居，這些都是考量重點；若只是掛名居留，偶爾造訪亦無不可。
In conclusion, Kazakhstan’s new Golden Visa is a promising option especially for those looking at frontier markets and a jurisdiction actively courting crypto business. While you still need to translate your crypto into a traditional investment, the nation’s embrace of crypto culture and its business incentives make it an intriguing addition to the list of crypto-friendly destinations.
總結來說，哈薩克新黃金簽證計劃對看好新興市場及希望進軍積極擁抱加密產業的法域人士來說，是非常有潛力的選擇。雖然仍需將加密資產轉換為傳統投資，但哈薩克對加密文化的態度以及商業誘因，讓它成為值得關注的加密友善目的地之一。
10. Cayman Islands – Crypto-Friendly Residency in a Tax Haven via Investment
Program Overview: The Cayman Islands, a British Overseas Territory in the Caribbean, doesn’t offer citizenship-by-investment per se (very few can actually become Caymanian citizens except through a lengthy residency and British naturalization process). However, it offers prestigious permanent residency visas for wealthy investors, which can eventually lead to British Overseas Territory citizenship and even UK citizenship in the long run. The main route is the Residency Certificate for Persons of Independent Means. To qualify, an individual typically must invest around KYD 2 million (approximately USD $2.4 million) in real estate in the Cayman Islands and demonstrate a stable annual income and substantial net worth. Alternatively, there is a 25-year renewable residency for those who invest at least KYD 1 million in Cayman (with some in property) and maintain financial solvency. The exact amounts and criteria can vary, but essentially, if you invest a few million dollars and have a proven high income, Cayman will grant you the right to reside indefinitely (with no work permit needed, though you can’t take up local employment unless you invest in a business).
計畫概要：開曼群島是加勒比海的英國海外屬地，本身並無公民身分投資（CIP）計劃（實際上很少人能直接取得開曼國籍，除非經過長期居留及英國歸化流程）。但它確實為高資產人士提供尊榮永久居留簽證，長期下來可望取得英屬海外領土公民（BOTC）身分，甚至最終英國公民身分。主要管道為「獨立收入人士居留證明書」（Residency Certificate for Persons of Independent Means）。申請人通常需在開曼房地產投資約 200 萬開曼元（約合 240 萬美元），並證明有穩定年收入及足夠的整體資產淨值。或者，投資至少 100 萬開曼元（其中部分須在當地房產），並維持財務實力者，可獲得 25 年可續簽居留資格。金額與細節可隨申請方案稍微不同，但本質上，只要你能投資數百萬美元並證明高收入，開曼就會給你永久居留權（不需工作簽證，但若要在地就業，必須投資設立當地企業）。
While citizenship in Cayman (which is essentially British citizenship via the territory) is a very distant prospect (one could apply after, say, 5 years for naturalization as a BOTC and then for full British citizenship after 12 months as a BOTC – but those are not guaranteed), the residency by investment gives you a safe haven in one of the world’s most affluent, low-tax jurisdictions.
若論開曼公民（本質上是英國國籍），路途相對遙遠（例如原則上住滿5年可歸化BOTC，再經 12 個月成為英國公民——但這些都不是絕對保證）。然而，投資換取居留資格，等於讓你在全球最富裕、稅負最低的法域之一，獲得堅實的安全避風港。
Crypto Integration: Cayman Islands is a major global financial center and has also become a hub for crypto funds and exchanges. There is no specific “crypto passport” scheme, and officials have clarified that Cayman does not offer a special citizenship-by-investment linked to crypto. However, in practice, crypto investors can leverage their assets to meet the investment criteria for residency. Notably, some real estate developers and brokers in Cayman will facilitate property purchases using cryptocurrency. For instance, an investor might buy a luxury condominium in Grand Cayman for $3 million and pay in Bitcoin via an intermediary service; the seller or broker converts the Bitcoin to USD (or keeps it if they choose) and the sale proceeds normally. By doing so, the investor fulfills the requirement for the residency certificate (having invested the required amount in property) using crypto wealth as the source of funds.
加密整合：開曼是全球金融重鎮，也逐步成為加密基金和交易所聚集地。目前並沒有針對加密資產的「加密護照」專案，官員也已澄清，開曼並未針對加密投資者提供專屬入籍方案。不過，實際運作上，加密投資人可用加密資產（如比特幣）經轉換，滿足投資居留計畫條件。實際上，開曼的一些房地產開發商和仲介，支持以加密貨幣購買房產。例如，投資人可以 300 萬美元，用比特幣經第三方轉換購買 Grand Cayman 的高級公寓；賣方或仲介會把比特幣轉換成美元（或選擇持有），交易照常完成。這樣，投資人即以加密財富作為資金來源，達成居留證投資要求。
Cayman’s government itself has been friendly to blockchain businesses. They have a regulatory framework for virtual asset service providers (VASPs) that is considered sensible, and many crypto hedge funds and decentralized finance projects are domiciled in Cayman for its regulatory advantages. There’s even a community of crypto professionals living on the islands, drawn by the zero income tax and high quality of life. So, while you cannot pay government fees in Bitcoin, every other element – from demonstrating net worth to making qualifying investments – can involve crypto conversion. The process would involve converting crypto to fiat through a reputable channel to deposit into a Cayman bank or directly into the investment (since any large transaction will be scrutinized, one must ensure the crypto origin is clear and it’s converted via a compliant exchange).
開曼政府對區塊鏈產業整體態度友善。他們已制訂一套合理的虛擬資產服務供應商（VASP）監管體系，因此許多加密對沖基金和DeFi（去中心化金融）專案選擇在開曼設立註冊地。當地有一群定居的加密專業人士，被零所得稅和良好生活品質吸引。因此，雖然不能用比特幣繳政府費用，但從財富證明到完成合格投資，其他步驟都可用加密資產兌換進行。做法是：首先將加密幣透過合規通道轉換成法訂貨幣，存進開曼銀行或直接投入標的（由於大額交易都會嚴格審查，必須確保加密資產來源清楚，並以合格交易所兌換）。Crypto Investors: The Cayman Islands is often synonymous with “tax haven”. There are no personal income taxes, no capital gains taxes, no corporate taxes, and no estate or inheritance taxes in Cayman for residents or companies. This means a crypto trader or entrepreneur living in Cayman keeps 100% of their gains – a huge incentive. This tax neutrality is balanced by the islands being well-regulated and not on blacklist (Cayman complies with international standards sufficiently to be a major financial center).
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持有加密貨幣的投資者：開曼群島常常與「避稅天堂」畫上等號。對於居民或公司來說，開曼沒有個人所得稅、資本利得稅、公司稅，也沒有遺產或繼承稅。這表示，住在開曼的加密貨幣交易者或創業者可以保留 100% 的收益——極具吸引力。這種稅收中立的環境，同時由於島上監管完善且未被列入黑名單（開曼對國際標準的遵循足以使其成為主要金融中心），而變得更加穩健。
With a Cayman residency certificate, you can live year-round in a tropical paradise that boasts one of the highest standards of living in the Caribbean. Grand Cayman in particular is very developed, safe, and has excellent healthcare, international schools, and connectivity. For travel, Cayman residents (holding just their original passport plus the permit) don’t automatically get new travel benefits – they still use their citizenship’s passport – but as a BOTC territory, once one eventually naturalizes (if they choose to and qualify years down the line), one could obtain a British passport.
擁有開曼居留證後，你可以全年住在這個享有加勒比海地區最高生活水準之一的熱帶天堂。特別是大開曼島，非常發達、安全，擁有優質醫療、國際學校與良好的連接性。至於旅行方面，開曼居民（僅持其原始護照加上許可證）並不會自動獲得新的旅遊福利——他們依然使用自己國籍的護照——但作為英國海外領地（BOTC），一旦經過多年後選擇並符合資格歸化，則可申請取得英國護照。
For the more immediate future, being a legal resident in Cayman with substantial means also often eases travel visas for other countries (you can show ties and residence in Cayman as opposed to, say, a volatile country). And practically, many crypto folks simply want a physical base where they can go if needed – Cayman offers that safe harbor, literally and figuratively.
短期而言，若你是開曼的合法有產居民，通常也有助於取得其他國家的旅遊簽證（你能證明自己與開曼的關聯及居留，而不是動盪國家的居住身分）。實務上，許多加密貨幣人士僅僅想擁有一個需要時能前往的實體基地——而開曼正好提供了這樣名副其實的安全避風港。
Another benefit is Cayman’s robust financial infrastructure. Dozens of banks operate there, and it’s relatively straightforward to open accounts (with proper KYC) and even integrate crypto holdings via institutional custody if needed. The jurisdiction also has no foreign exchange controls, so moving money in and out (fiat or crypto conversions) is not restricted, aside from international AML norms. The Cayman government actively encourages HNW individuals to reside there and often grants the maximum 25 or 30-year initial term for those who qualify, which then can become permanent. Also, after 5 years of residency, one can apply for naturalization as a British Overseas Territory Citizen (BOTC), which gives a Cayman Islands passport (slightly different from a full UK passport). A year after that, one could register as a full British citizen, gaining a UK passport – this path is long but available, meaning ultimately the investment can lead to top-tier citizenship.
開曼的另一個優勢是強大的金融基礎建設。數十家銀行設於此地，開設帳戶（只要符合KYC）也相對簡單，若需要甚至能將加密資產以機構級託管整合進傳統金融體系。這個司法管轄區同時沒有外匯管制，所以資金流入流出（包括法幣與加密貨幣之間兌換）除了需遵守國際反洗錢規範外，基本不受限制。開曼政府積極鼓勵高資產人士居留，常常給予合格者最高25或30年期的初次許可，之後可永久延長。另外，在開曼居住5年後，可以申請歸化取得英國海外領土公民（BOTC）身分，獲得開曼護照（和英國護照略有不同）；再過一年，可註冊成為英國公民，取得英國護照——這條路雖長，但確實可行，最終投資有機會換來頂級國籍。
Notable Considerations: The buy-in is extremely high (millions of dollars in property). This is in a different league than, say, a $150k donation for a Caribbean passport. So Cayman residency is for those who not only have significant crypto wealth but are willing to tie a portion of it into luxury real estate. The real estate market in Cayman is generally strong (many wealthy individuals buying vacation homes, etc.), but it’s also not very liquid if you needed to pull out money quickly. So it’s a lifestyle/tax play more than a pure investment.
值得注意的是：門檻非常高（需購買數百萬美元的房產）。這與加勒比護照計畫動輒只要15萬美元捐款完全不是同一級別。因此，申請開曼居留適合擁有大量加密資產、並願意將部分資產投入豪宅房地產者。開曼地產市場一般來說很強勁（許多富人購度假屋等），但若需要快速變現，流動性其實並不高。所以，這比較像是生活方式/稅務規劃，而非純粹的投資。
Also, Cayman’s program requires the applicant to demonstrate a continued annual income of a certain amount (often around USD $150k per year) and maintain a substantial bank balance or net worth (over $1 million). Basically, they want only genuinely well-off people who won’t seek employment. This is usually no problem for crypto investors who can show large asset holdings and perhaps yield from investments.
另外，開曼計畫也要求申請人證明有穩定的高年收入（通常至少約每年15萬美元），並維持相當的銀行存款或淨資產（超過100萬美元）。簡單來說，他們只要真正富有、不會尋求工作的人。對有巨大資產持有、或有投資收益的加密投資者來說，這通常不是問題。
It’s important to stress what the government spokesperson said: Cayman isn’t handing out passports for crypto. They are offering residencies to qualified high-net-worth individuals, including those in the crypto space, via traditional means. The attitude is crypto-inclusive but not crypto-centric. They note they “actively attract blockchain and cryptocurrency businesses” with their policies, which is absolutely true given the number of crypto investment funds there.
需要強調政府發言人的話：開曼不是為加密貨幣派發護照。他們是透過傳統方式給合格的高資產人士（包含加密產業人士）提供居留資格。整體態度是歡迎加密，但非以加密為中心。他們強調政府政策「積極吸引區塊鏈和加密企業」，根據當地加密基金數量，也確實如此。
For the day-to-day, Cayman can be expensive (cost of living and services are high). And while culturally diverse, it’s a small place – some may find island life limiting after a while. But many residents split time between Cayman and elsewhere (it’s easy to travel out).
日常而言，開曼生活費用（與各項服務）很高。雖然文化多元，但這終究是一個島國——住久可能會覺得受限。不過，許多居民會分流在開曼與其他地點生活（離開曼出國很方便）。
One must also obey the residency rules: usually you need to spend a certain minimum time in Cayman to not jeopardize the permit (like 30 days a year, depending on the type of certificate). This is to ensure people are actually using the residence. It’s far less stringent than typical visas though, and certainly you can spend as much time as you want.
同時也要遵守居留規定：通常每年必須在開曼待至少一定天數（例如每年30天，視證件類型而異），以免丟失資格。這是為了確保居留不是空掛名。但相比傳統簽證政策，這已經寬鬆得多，而且你也完全可以選擇住更久。
In conclusion, the Cayman Islands offer a premium residency option that is compatible with crypto wealth. By investing your crypto profits into a stable asset like Cayman property, you can secure a personal haven with unparalleled tax advantages and an environment that fully embraces financial innovation. It’s not a quick passport in your hand, but for those thinking about a long-term base for wealth preservation and a comfortable lifestyle, Cayman stands out as a top-tier choice.
總結來說，開曼群島提供了一個非常高級、與加密財富相容的居留選擇。透過將加密盈利投入像開曼房地產這樣的穩定資產，你不僅獲得了一個擁有頂級免稅優勢的私人人間天堂，也享受到完全擁抱金融創新的環境。雖然不是立即獲護照，但對尋求長遠資產保值與頂級生活的群體來說，開曼確實是首選之一。
Important Considerations for Crypto-Funded Immigration
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The above countries and programs illustrate that the door is opening for crypto investors seeking global mobility. However, anyone considering these pathways should keep a few critical points in mind:
上述國家及方案充分說明，全球流動性的大門正對加密投資人開啟。但無論選擇哪一條路，以下幾點都極其重要：
Regulatory Compliance is Essential: Regardless of which program you choose, strict KYC/AML (Know Your Customer / Anti-Money-Laundering) rules apply. You will need to thoroughly document the origin of your crypto funds. This typically means providing records of how you acquired your cryptocurrency (exchange receipts, mining income records, etc.), and if you traded frequently, possibly transaction histories. Many programs treat crypto like any other asset – if you liquidated stock to raise money, they’d want to see the stock sale contract; similarly for crypto, they might want to see blockchain transaction printouts and exchange withdrawal confirmations. Make sure your crypto wealth is held or moved on regulated platforms when converting to fiat; selling coins peer-to-peer for cash, for example, will raise red flags if you cannot produce solid evidence of the transfer. Using reputable exchanges or OTC desks that provide invoices and receipts will smooth the process. Be prepared for enhanced due diligence if a large portion of your wealth is in crypto – some countries may hire specialized firms to audit your wallet activity as part of background checks.
法規合規不可少：不管選哪一個計畫，都要遵守嚴格的 KYC/AML（認識你的客戶／防制洗錢）規範。你必須完整紀錄加密資金來源，通常需提供加密貨幣取得紀錄（如交易所憑證、挖礦收入證明等），若有高頻交易則可能需要完整交易歷史。許多方案將加密資產視同股票等資產——如果你賣股票來籌錢，需要看股票賣出合約；同理，他們可能要看區塊鏈轉帳截圖、交易所出金證明。將加密資產轉換為法幣時，請務必在合法合規的平台進行——如你用場外現金買賣而無法出示紀錄，就容易引起疑慮。使用會出具發票、收據的知名交易所或OTC平台會讓流程順暢許多。若你大部分財富都在加密資產中，須有心理準備將面臨更嚴格的審查——有些國家甚至會雇專門公司查核你的錢包活動做為背景調查。
Convert Through Approved Channels: In almost all cases, the government itself will ultimately want fiat currency for the investment or donation. This means you’ll either convert crypto to fiat yourself or work with an agent who does it for you. It’s crucial to use approved banking channels for this conversion. Many jurisdictions require that the investment funds come from an account in the applicant’s name. So you might need to first cash out crypto to your bank, then send the wire to the program’s account. Some agents can intermediate (you send them crypto, they send the wire from their account), but then you’ll have to show the trail from your crypto to the agent’s fiat. Always comply with any currency reporting rules in your home country when moving large sums, to avoid regulatory troubles that could later complicate your application. Essentially, think of crypto as the origin but ensure it turns into a clean wire transfer on record.
通過受認可渠道兌換：幾乎所有政府最終都只接受法幣投資或捐款。即是說，你要自己將加密貨幣兌換成法幣，或由中介機構代為處理。兌換時務必通過合法銀行渠道，許多司法管轄區明文要求資金須是申請人本人帳戶匯出。所以你可能需要先將加密貨幣變現存入自己銀行，再電匯至申請機關。有些中介可收你的幣，再從自己帳戶匯法幣，但你須出示完整資金鏈路。大額匯兌時，記得遵守母國的貨幣申報規則，以免因觸犯法規導致後續申請卡關。總之，把加密資產當作來源，但最終需呈現一條乾淨明確的電匯紀錄。
Expect Extra Scrutiny (and Fees) for Crypto: Programs like St. Kitts have explicitly stated that applications involving crypto wealth may face additional due diligence fees and longer processing. This is because they might conduct deeper background investigations to ensure the crypto wasn’t tied to illicit activities. Don’t be surprised if a Caribbean CBI unit asks for an independent audit of your wallet, or if you have to pay a few thousand dollars extra for specialized vetting. It’s wise to budget both time and money for this. It’s also helpful to proactively provide explanations for large or unusual transactions in your past if you know they’ll see them. For example, if a wallet associated with you received funds from a mixer years ago (even innocently), address it upfront with a written explanation and any proof to dispel concerns. Transparency will generally work in your favor.
做好更嚴格審查（及額外費用）的心理準備：像聖克里斯多福等計劃已明確表示，涉及加密財富的申請將酌收更多審查費用、審理期更長。原因在於政府可能徹查資產過往，確保其並非違法所得——不奇怪加勒比CBI單位會要求你錢包第三方獨立審計，或加收幾千美元的專業調查費。建議提前規劃所需時間和預算。在此情況下，若你知道歷史紀錄中有額外大額或特殊操作，也建議主動向官方說明。（例如某個錢包多年前收到mixer資金，即使清白也應事先書面解釋並備妥證明以釋疑。）總之，主動誠實透明，往往能大幅化解疑慮。
Policy Changes Can Happen: Investment migration programs are subject to political and policy shifts. Always stay updated on the latest rules. For instance, Portugal’s move to potentially extend the citizenship timeline from 5 to 10 years can affect the value proposition of its Golden Visa – an investor in 2025 should consider that they might not get an EU passport until 2035 under new rules. Similarly, the accessibility of certain passports can change (e.g., if the EU imposes visa requirements on a Caribbean country in response to too many passports being sold). Due diligence controversies or geopolitical events can influence how attractive and easy these programs remain. It’s wise to consult with investment migration professionals or lawyers who specialize in this field and keep track of developments. As of mid-2025, the programs listed here are active and accepting crypto-funded applicants, but always double-check the current status before committing funds.
政策可能變動：投資移民計畫易受政治或政策調整影響，請隨時留意新規定。比如葡萄牙新政可能將歸化期拉長至10年，這直接影響黃金簽證的價值——2025年投資者必須思考，根據新規最多要等到2035年才能申請歐盟護照。同理，某些護照的通行力也可能因政治爭議（如加勒比國家因大量賣護照被歐盟要求簽證）受限。盡職調查爭議、地緣政治事件，都會改變方案的吸引力與難易度。建議經常與投資移民專業律師或顧問聯繫，關注動態截。2025年中時這些方案仍對加密資本申請者開放，但切記最終實際參與前定要再三核實最新狀態。
Tax and Legal Advice: Acquiring a new residency or citizenship can have tax implications. For example, if you become a tax resident of a no-tax country (like Vanuatu or Cayman) that might free you from taxes back home – but only if you properly sever tax residency in your original country. Some countries have “exit taxes” or continue to tax citizens even if they move (the U.S. famously taxes its citizens worldwide regardless of where they live). Before you reposition yourself, get advice on how to optimize your situation legally. You may need to spend a certain number of days out of your home country to stop being tax resident there, or potentially renounce citizenships in extreme cases, to fully enjoy a tax
稅務與法律建議：取得新居留或國籍，經常有稅務影響。例如，若你成為無稅國如瓦努阿圖、開曼的稅務居民，可能免除母國稅負——但前提是你已正式切斷原居住地的稅籍。有些國家有「離境稅」，甚至遷出後繼續課稅（如美國著名的全球徵收，不論身在何處）。在重新定位前，務必先諮詢專業人士，確定如何合法優化稅務；有時必須在離境國待滿一定天數才可解除稅務身分，極端情況下甚至需要放棄原國籍，方可享受新稅籍利益。Sure! Here is your translation with the specified formatting:
haven benefit。還有，請考慮遺產和財產規劃——第二國籍會根據法律規定，讓這件事變得更複雜，也可能帶來更多保障。懂得加密貨幣以及跨境規劃的專業人士非常寶貴；他們能幫你設計結構（例如信託或離岸公司），如果有需要，可以在申請期間持有你的加密貨幣，以降低稅負或確保合規。
生活品質與責任：最後要記得，公民身分或居留權不只是張紙而已——這代表你與那個國家產生連結。請研究成為公民或居民後的實際意義。有些地區取得公民身分也會帶來義務（比如說陪審團義務，雖然這在美國以外很罕見，某些國家可能有服兵役要求——我們討論過的這些國家，對經濟公民並沒有強制服兵役，但最好還是確認一下）。尤其如果你打算長住，請確保你對當地法律與文化有所了解且能接受。薩爾瓦多的快速公民申請雖然突破性十足，不過真正在那裡生活還是必須適應新文化與政治環境。同理，第二本護照確實可以在發生意外時成為避風港（讓你有地方去），但也要負起責任——遵守新國家的法律，別把它當成僅是方便的旗幟，不尊重它真正的意義。
總結來說，利用加密貨幣購買公民身分或黃金簽證，已開始在多個國家成為現實，各自有不同細節。根據你的目標選擇——無論是想要快速取得旅行用的離岸護照、長期歐盟居留，或是押注比特幣國家，都有機會大幅提升你的個人與財務自由。只要保持清醒：遵守規定，完整保存所有資料，必要時請教專家。加密貨幣與全球公民身分的結合，是2025年令人興奮的新發展，讓過去只有法幣富人能參與的投資移民，變成加密富豪也能進入的前線。只要規劃得當，你的數位資產很可能就是解鎖世界新機會和安全避風港的關鍵。