有人说 bStocks 买美股贵?还有人说要扣10%的手续费?我实在不懂,正常人怎么能说出这种虎狼之词,然后还真的有不明就里的人相信。
我今天就把怎么交易美股现货、手续费多少、股息分红怎么给你、在币安买美股有没有投票权?一次性讲清楚。
去年我就动了买美股的念头。所有人都跟我说,去开个盈透(IBKR)账户就行了。我老实提交资料结果来回折腾了整整一个月,过几天系统又让我补一份新的,也没个在线客服可以问。传统券商对非美国用户的门槛是出了名的高,甚至那些银行基础设施不完善的国家,有些人根本开不了户。
后来,币安在 2026 年 6 月 1 日上线了真实美股交易,我就直接在币安上买了。
7000 多只美股和 ETF,跟传统券商比体量差不多。背后是纽约的 Alpaca 做清算和托管,你买的是真实股份,拥有实益所有权、投票权,还有 SIPC 保护,每个客户最高赔付 50 万美元,最低 5 美元下单。下单通道是 ADGM 监管的 Nest Trading,由 Alpaca 负责执行、清算、托管、派息和公司行动。
对于股息,币安会用 USDC 把分红打给你,扣除 30% 的美国预扣税之后到账,注意, 30% 是美国政府的税,不是币安收的手续费。
我买 100 股台积电(43,500 美元),佣金是0,只付 0.05% 平台费 ≈ 21.75 美元,USDC 结算无价差、监管费币安全包。ADR 转嫁费每年 1–3 美元可忽略
谣言传的是"扣 10%",1 万美元要被扣走 1000 美元?跟实际差了200倍 ,传谣言的人,数学是外星人教的吗?
横向比一下。币安每单最低 0.17 美元,只有盈透的一半,盈透对非美国用户走的是 IBKR Pro,阶梯定价每单最低 0.35 美元,固定定价每单最低 1.00 美元,真正零佣金的 IBKR Lite 只对美国居民开放。Robinhood、嘉信(Schwab)确实是完全零佣金,但对非美国用户有地域限制,根本进不去。
刚开始交易,手续费不是困扰我的点。对于习惯了 7×24 小时永不打烊的加密世界。突然要适应美股只在"盘中"几个小时交易。
盘前指的是,北京时间下午 16:00 到晚上 21:30(美东 4:00–9:30)
盘中:晚上 21:30 到次日凌晨 4:00,这个时段流动性最好
盘后:次日凌晨 4:00 到早上 8:00
隔夜(夜盘):早上 8:00 到下午 16:00
也就是说如果在UTC+8的时区白天我们下单,交易的是夜盘 ,流动性并不好。
美光这种公司,财报往往放在盘后(16:00 收盘之后)发;而美联储讲话,又常常安排在盘前。为的就是避免直接冲击盘中股价。
为了同时开户的麻烦和只能盘中交易的限制,bStocks 出现了。
币安上的真实美股,可以 1:1 零费用转换成 bStocks。bStocks 是 BNB Chain 上的 BEP-20 代币,7×24 小时交易,可以提到你自己的钱包,可以进 DeFi。这就是"加密 + 美股",对标Ondo Finance 。
bStocks 现在还很很早期,目前只有 10 只热门的代币化股票包括美光、英伟达、特斯拉等。对面 xStocks 已经有 131 个标的,Ondo 有 430 多个。
那为什么品种这么少?不是币安偷懒,bStocks 走的是阿布扎比 ADGM 的"核准招股书"路线,每加一只股票,都要单独走一遍监管核准。
而 xStocks、Ondo 用的是"基础招股书 + 补充文件"的模式,加一个新标的,只要再递交一份补充文件就行。所以人家一次能加几百个,bStocks 只能一小批一小批地加。
接下来聊聊bStocks 股息怎么分配?
bStocks 的实益拥有人是阿联酋注册的实体 BTech Holdings,由于阿联酋跟美国没有税收协定。意味着同样一只股票的股息,在盈透,填 W-8BEN 能把预扣税降到 10%(中国是 10%,英国和加拿大都是 15%)。持有 bStocks,默认 30%,没有减免。
bStocks 股息不发现金,自动再投资买成股票,你的持股数从 1 股慢慢变成 1.008、1.01 股。你什么都不用做,余额自动增加。
虽然30% 预扣税听上去很多,但是,大多数美国科技公司本来就不怎么发现金股息,更喜欢用回购来回馈股东。
英伟达 5 月 20 日的 8-K 新增 800 亿美元回购授权,叠加之前剩下的 385 亿美元额度,合计约 1180 亿美元的回购,把股票从用户手上买走、类似于BNB的销毁。
AMD 也走纯回购路线,2025 年 5 月 14 日再批 60 亿美元回购计划,叠加余额后总额约 100 亿美元。所以这个 30% 的税,对偏爱稳定派息股的人有影响,那些公司增长有限不偏好再投资。对科技股投资者来说,影响其实很小。
我真正看好的,是bStocks 瞄准的万亿级市场。
Aave 创始人 Stani Kulechov 和高管 Luigi D'Onorio DeMeo 在 6 月 26 日公布,Aave V4 要把代币化股票引入链上的证券借贷。
全球证券借贷的在借规模大约 4.6 万亿美元。你在传统券商持有的股票,会被借出去给人做空, DeMeo 的原话是,像 Robinhood、嘉信这样的主经纪商和零售平台,通常会截留 50% 到 85% 的借券费,只把一小部分返还给你。
2025 年这个市场创造了多少收入?EquiLend 的数据是创纪录的 153 亿美元,同比涨了 26%,在借余额首次突破 4 万亿美元。其中绝大部分,被中间商拿走。
链上的玩法,就是把中间商去掉,这才是代币化股票真正的杀手级用途,你的股票可以像 DeFi 资产一样被抵押、被借出、为你生息。
Kulechov 还说:美国回购市场日均敞口约 12.6 万亿美元、保证金融资约 1.3 万亿美元、财富管理端的证券质押贷款超过 4000 亿美元,他认为这是"华尔街之外几乎没人会想到的、最大的市场之一"。
从DeFi Summer的进程来看,美股代币可能也会出现各种组合。
第一,链上跟单美股。现在的链上跟单,市场太薄,别人能轻松狙击你的仓位。但美股有世界级的深度,大市值股票极难被操纵,而且有真实股份套利在背后锚定价格。深度、透明、抗操纵,是美股的优势。
第二,循环杠杆。bStocks 能被反复当作链上抵押品,理论上可以存→借→买→再存,按 60% 的抵押率循环下去,最高能撬到大约 2.5 倍。Lista DAO已经支持 bStocks 抵押借贷了, Venus 那边把特斯拉、英伟达、SpaceX(抵押率分别 60%、60%、50%)加进了 Core Pool,但借款功能还没真正开放。杠杆会放大清算风险:美股有隔夜跳空,bStocks 盘后价差又宽,一根周末的大阴线就可能很危险。这个等深度再好一些再玩,也不迟。
第三,是我自己的想象,也许有一天我们会出现链上 ETF。热门的主题 ETF 都是要收管理费,比如 Roundhill 的 DRAM 存储主题 ETF,管理费 0.65% 一年,有些 ETF 甚至能到 1%。很多ETF一年的收益也就10%,什么都不做10%又被基金经理抽走了。
但在链上,你完全可以自己组一个篮子(英伟达 + AMD + 美光,权重你自己定),管理费是 0,gas费可以忽略不计(对比一下,连 QQQ 现在都还要收 0.18%)。再平衡也能用预设规则自动跑(比如按市值加权、定期再平衡),不用你天天盯盘。
bStocks 现在还非常早期。传统金融和币圈的兼容正在发生,我们一起见证这个时代。
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Jaylen Brown went OFF on stream 👀
“C’mon, everyone knows I’m the best player in the league. Been Robin long enough. It’s time to lead a team to a championship.”
Japan's Prime Minister briefed her country with wet hair last night. Beijing would have detained the citizen who filmed it.
At 10:29 p.m. on Friday, a magnitude 5.6 earthquake struck Japan's Yamanashi Prefecture, registering a maximum seismic intensity of lower 6 in the town of Fujikawaguchiko at the foot of Mount Fuji. By 11:15 p.m. — forty-six minutes later — Prime Minister Sanae Takaichi was standing at the Prime Minister's Office briefing the nation. Crisis management center activated. Director-general-level emergency gathering team convened. Human life first. Information to the public, promptly and accurately.
She was also visibly straight out of the bath.
Hair still wet. No makeup. Takaichi posted on her own X account a short time later, in plain language: she had come directly from the bath without time to dry her hair or apply makeup, and apologized for her appearance. She did not have to volunteer that detail. She chose to.
That choice is the story.
Because somewhere about 1,700 miles to the west, operating under the same physics but a very different political philosophy, the first hour after a magnitude 5.6 earthquake would have looked nothing like this. It would not have been spent activating a crisis center, dispatching emergency teams, and putting the head of government in front of cameras to admit she had rushed straight out of the shower. It would have been spent deciding what to tell the public, what to delete, and which citizen with a camera to detain.
We know because we have watched it happen.
In Wuhan in early 2020, the doctors who tried to warn the world about a novel coronavirus were summoned by police and forced to sign confessions for "spreading rumors." The citizen journalists who filmed the morgues and the sealed apartment doors — Chen Qiushi, Fang Bin, Li Zehua — were disappeared by the state. Fang Bin would later be sentenced to three years in prison; he was held for the duration.
In Zhengzhou in July 2021, passengers drowned trapped in a flooded subway tunnel while state propaganda ran headlines about heroic rescue. When BBC correspondent Robin Brant asked the local government how a metro system less than a decade old could leave passengers to die on a platform, the Henan branch of the Communist Youth League posted his whereabouts to its 1.6 million followers and called for people to track him down. Death threats followed within hours.
In Hebei in August 2023, when the floodwaters from Typhoon Doksuri had to go somewhere, authorities diverted them away from Beijing and into Zhuozhou — and the Hebei provincial Party Secretary, Ni Yuefeng, publicly declared the province would "serve as a moat for the capital." Videos of the submerged villages disappeared from Chinese social media within hours.
And in Sichuan in 2008, after a magnitude 8.0 earthquake killed at least 5,335 schoolchildren in school buildings that collapsed while government offices nearby remained standing — what citizens named "tofu-dreg schoolhouses" — the writer Tan Zuoren tried to compile a list of the dead. He was sentenced to five years in prison. Huang Qi, the activist who tried to help the parents, got three years; in 2019, the Party gave him twelve more on state-secrets charges. He is still inside.
The pattern is not a series of accidents. It is a system. In the People's Republic of China, the function of the state in a disaster is not to serve the public. It is to protect the Party from the public.
Compare and contrast.
In Tokyo on Friday night, the head of government decided that telling the country what she knew, forty-six minutes after the ground stopped shaking, mattered more than how her hair looked. In Beijing under any equivalent scenario, the head of government would not be at a podium for hours, or days. The citizens with cameras would already be on a list.
Wet hair is not the real headline. Wet hair is the headline because of what it accidentally exposes: a democracy is a system that runs toward its citizens in the dark. A dictatorship is a system that hides from them.
Sanae Takaichi did not need to apologize for her hair. The Chinese Communist Party owes apologies it will never make, to families whose dead it never named.
ACI — Aric Chen | Insights
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6.27梭哈晨报:
自从美股开始天天被刷屏后,波动真的大的比crypto多太多了,crypto的btc一天5%,美股一天15-20%,而且市值还更大,xdm还喜欢开合约,5-20拉满😂。
1. bitcoin:native 开启60000保卫战了,只能这么样子了,周末如果出消息,crypto又是第一个挨打的;
2. ethereum:native 终于跌破1600了,再次回到了1500+,这一次有什么利好能拉回来呢?
3. solana:So11111111111111111111111111111111111111112 最强的存在了,末日战车中的战车;
4.美联储卡什卡利:预计2026年将加息一次,2027年利率将维持不变;
5.CFTC对Polymarket展开调查,多方指控其利用社交媒体进行误导性宣传;
6.Bankless创始人:后悔没有买入更多LIT;
涨了就后悔,跌了就nmb的装死不说话?
7.反人口贩运组织称,《Clarity Act》或削弱对加密平台的问责制;
????这都是什么组织;
8.截至6月25日,Robinhood平台股票月交易量已大幅刷新历史纪录;
9.MiCA法规即将生效,欧洲已颁发230个MiCA加密牌照;
10.万斯:若伊朗诉诸暴力,将遭武力回击;
美国中央司令部:美军打击伊朗导弹、无人机储存设施及沿海雷达站;
怎么还狂轰滥炸两个国家怎么回事?
11.OpenAI发布三款GPT-5.6系列模型,其Sol、Terra、Luna与加密项目同名;
嘲讽的味道拉满了?
12. Google前技术主管Patrick Shyu清仓加密资产并表示比特币已结束;
这个哥们是谁?
13.美国众议员Maxine Waters要求撤回允许401(k)投资数字资产的提案;
14.纳斯达克:SpaceX 将于 7 月 7 日加入纳斯达克 100 指数;
xdm舒服了啊;
15.体育博彩平台DraftKings宣布推出其自营的预测市场交易所DKeX,正式进军事件合约市场;
终于看见反向来的了;
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看到大家吹嘘自己的Bag能力,我还是甘拜下风的,有时候真不好意思吹,因为都nmb亏麻了还怎么吹啊😭。
#
Bitcoin# #
Ethereum# #
Solana# #
Crypto# #
Nasdaq#
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Cathie Wood 旗下 Ark Invest 周四通过 ARKK、ARKW、ARKF 三只 ETF 增持 Coinbase、Circle、Bullish 和 Robinhood 股票。其中,Ark 买入 9,014 股 Coinbase,价值约 128 万美元;9,264 股 Circle,价值约 63.75 万美元;9,136 股 Bullish,价值约 19.99 万美元;并通过 ARKK 买入 35,023 股 Robinhood,价值约 327 万美元。当日 Coinbase、Circle、Robinhood、Bullish 分别下跌 5%、3%、3.85%、6.77%。Ark Invest 表示会主动调整 ETF 持仓,以使单一股票不超过基金组合的 10%。(The Block)
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消费互联网的世界重建时刻来了
1/ 过去几年消费互联网「没东西可做」——因为旧世界已经建完了。
a16z 新晋合伙人 Josh Elman(Facebook/Twitter/Robinhood 早期核心)说:世界重建的门,又开了 🧵👇
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Bro took the red pill and I am here for it.
Meet Karl Stefanovic.
Three decades on Australian TV, including nearly 20 years co-hosting Nine’s flagship breakfast show Today (as mainstream media as it gets).
He started unplugging from The Matrix during the SCAMDEMIC.
In 2023 he told viewers on air he was “done” with the vaccine after the push for a fifth booster.
He later went further, openly admitting he “got it wrong” on the jab rollout and expressed regret for his own and the media’s role in the saga.
He recently launched The Karl Stefanovic Show podcast as an independent project, made it clear he wouldn’t be renewing his TV contract with Nine (Today show) when it expires at the end of the year, and finally began speaking his mind.
His guests so far have included “Orange Woman Bad” aka Pauline Hanson, the common sense leader of One Nation (political party) who for decades has been FALSELY attacked and smeared by the media, just like the US media machine did to Trump for his common sense policies and courage.
Another guest on Karl’s new podcast was Pete Evans, to whom Karl publicly apologized for helping smear during the scamdemic.
Then came the latest episode: a candid, hour-long chat with Tommy Robinson. It dropped overnight, was scrubbed from YouTube, Spotify, Apple and Instagram the next morning (not even 24 hours later) then Pauline Hanson (aka “Orange Woman Bad”) instantly re-uploaded the full thing on her channel under the title “CANCELLED.”
Karl’s TV bosses at Nine allegedly called crisis meetings and reportedly reviewed (possibly ending) Karl’s future at the network.
Yes, Karl had a conversation on his new podcast and the mainstream media machine got its panties in SUCH A TWIST that they held a crisis meeting and rumors are now swirling that he has been fired...
...for having a conversation.
...with a guest.
...on his podcast.
Ironically, for a guy pivoting to full-time independent content creation, who is finally speaking his mind without fear, it’s the perfect outcome.
Massive free publicity, instant proof he’s no longer playing by the old rules and has woken up, and a crystal-clear signal to his audience that he’s all-in on unfiltered conversations.
Did Karl Stefanovic just get the ultimate send-off gift from the corrupt media machine as he begins life as an independent content creator?
Karl’s unplugging from The Matrix is almost complete.
Bro took the red pill and I am here for it.
🍿
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pretty funny detail if u play as batman and you crouch, robin will imitate you but batman doesnt imitate robin LMAOOO
He walked backward so perfectly, the world looks reversed
[📹 robinchanning]