Author｜Sangbi District Shi Editorial Team
Release｜2023/06/01
Update｜2026/11/11

BinanceIt is one of the world's major cryptocurrency exchanges, providing services such as spot trading, asset transfer and withdrawal, financial management and trading tools. For those who are using the exchange for the first time, they can first complete registration and identity verification, and then start with small deposits and spot transactions.

Binance is characterized by its wide selection of trading markets and tools, and it also supports Traditional Chinese. In addition to basic currency purchases, users can also learn about regular purchases, trading robots, BNB fee discounts and VIP levels according to their needs, and gradually establish their own usage methods.

This article is mainly for newbies in Taiwan. It will introduce you to Binance’s functions, security mechanisms and fees, and organize the operation process from account opening, deposit to first spot transaction.

⮕Click to register on Binance and enjoy exclusive transaction fee discounts for Sangbi readers(Or enter the invitation code: B927G19G)

Service status reminder (2026/11/06):According to Binance’s ninth recovery announcement, starting from 12:00 noon on November 6, Taiwan time, the assets and network combinations listed in the announcement will gradually open currency withdrawals according to the progress of security inspections, and the recharge service will continue to be open. This does not mean that withdrawals of all assets and networks have resumed; before operating, please confirm the availability status of the selected combination on your Binance withdrawal page.

Official source:Binance’s ninth recovery announcement

Transfer limit reminder (2026/11/10):Binance announced restrictions on direct or indirect transactions with MEXC and entities listed in the announcement. Requests to be transferred from Binance to related entities will be denied; deposits from related entities will be temporarily withheld and subject to compliance review, and affected accounts may also be restricted. In addition to checking the currency, network and address before transferring money, you should also confirm whether the source of funds and the receiving platform comply with the latest rules. If you have any questions, please check through Binance official customer service and do not use transfer to circumvent restrictions. The actual applicable situation is subject to the official announcement and account prompts.

Official source:Binance Announcement

What is Binance? Get to know Binance exchange first

Binance was established in July 2017, with Changpeng Zhao (CZ) and He Yi as co-founders. The platform started with cryptocurrency trading in the early days, and then gradually expanded services such as spot, derivatives, financial management and wallets.

According to the current official company introduction, Richard Teng and He Yi serve as co-CEOs. CZ is the co-founder and former CEO. When understanding the history of the company, the founder and current management positions should be separated.

Project Description Chinese Name Binance English Name Binance Date of Establishment July 2017 Co-founder Zhao Changpeng (CZ), He Yi Co-CEO Richard Teng, He Yi Related token BNB novice entry function registration and KYC, stored value, spot trading, withdrawal official websiteBinance official website

Binance is a centralized exchange, and the platform provides custody and trading services for the assets in the account. This is different from managing your own mnemonic and directly operating applications on the chain; Binance exchange account and Binance Wallet are not the same asset management portal.

If you want to first understand the basic concepts of self-storage, you can readThe difference between mnemonic words and private keys。

What are the features and advantages of Binance?

Wide selection of trading markets and instruments

Binance provides a variety of cryptocurrency trading markets, suitable for users who want to manage different assets on the same platform. When selecting a trading pair, in addition to checking whether it is listed, you can also check the order book, bid-ask spread and transaction status.

For example, if you buy Bitcoin and trade with USDT or other quoted assets, the rate, depth and funding source may be different. Choosing a trading pair that matches the assets you hold can reduce unnecessary exchange steps.

Support Traditional Chinese, basic services are centralized

Users can complete account settings, asset inquiry, transactions and withdrawals on the website or app. For novices, it is not necessary to understand all the menus at the beginning. They only need to familiarize themselves with the main entrances such as "Assets", "Stored Value", "Spot" and "Withdrawal".

When encountering operational problems, you can inquire from the official website or in-app customer service, and use Binance Academy and Help Center to learn about functions.

BNB can be used to pay applicable transaction fees

Binance offers a BNB fee discount mechanism. Eligible transactions can enjoy discounts in accordance with applicable rules when BNB payment processing fees are enabled and sufficient BNB is available.

For those who trade frequently, compare original rates, BNB discounts, and VIP tiers together. The applicable scope and calculation method of discounts will be explained with examples later in this article.

Extended from general currency buying to advanced tools

Once you've completed basic trading, look into recurring buys, Simple Earn, Launchpool or trading bots if you wish. Each tool solves a different problem, and you don’t have to enable all features in order to use the platform.

When using it for the first time, you can first complete the process of "Deposit → Buy → Check Transactions and Balances", and then expand to other services.

Is Binance safe? Understand Account Protection, PoR and SAFU

Assessing exchange security can be divided into three parts: account protection, asset transparency information, and event handling mechanisms.

Account security settings

Binance provides protection features such as passkeys, authenticators, devices, and login records; applicable options can be viewed on the account security page.

例如：

  • Two-factor authentication (2FA): Authenticator, mobile or email verification
  • Email notification: Users will be notified via email of any account activity.
  • Account activity management: If the account is logged in from a different place or using a different device, the user will be notified.
  • Passkeys and biometrics

After completing the registration, it is recommended to set an independent password, applicable two-factor authentication and anti-phishing code before starting to transfer assets. Anti-phishing codes can help identify emails, but the sender still needs to be verified against the actual website address.

Proof of Reserve PoR

Binance provides a Proof of Reserves (PoR) page to allow users to view reserve information for specified assets. When checking, please pay attention to the snapshot date, covered currencies and whether the verification data has been released. The verification tool provided by Binance allows users to confirm whether their account balance is included in the records of the specified snapshot.

Binance announced on November 2, 2026, that it had completed a complete zero-knowledge proof for the October 31 snapshot. This round covers BTC, ETH, USDT, BNB, SOL, USDC, XRP, USD1, RLUSD and ZEC, a total of 10 assets.

As of the time of writing on November 9, 2026, the snapshot of Binance's official reserve certificate page at 00:00 UTC on November 4, 2026 (8:00 am Taiwan time) already shows the zk-SNARKs verification mechanism and Merkle Root Hash, and no longer displays "In Progress".

Users can follow the official process, select the corresponding verification date, and check whether their account balance is included in this round of certification.

Official source:Binance Proof of Reserves

PoR reflects reserves at a specific time and asset range, and its purpose is different from full financial audits and deposit insurance. To confirm whether you can withdraw coins, please also check the status of the selected currency and network on the account withdrawal page.

Official source |Binance Reserve證Ming page、Snapshot Verification Announcement on October 31、The seventh recovery announcement on November 4

SAFU User Asset Security Fund

SAFU is a user asset security fund established by Binance. According to the official statement, a certain proportion of transaction fees is invested when the fund is established, and the current management, assets held and uses are operated in accordance with the latest rules.

According to the official FAQ updated in February 2026, the fund held approximately US$1 billion worth of crypto assets at that time. The value will change with the market, and the token composition may also be adjusted. This is official information with a date background and does not represent the real-time fund balance found in this article.

The applicable losses and application conditions of SAFU are defined by official rules and cannot be directly understood to mean that all trading losses or personal transfer errors will be compensated.

*Binance stated in its announcement on October 30, 2026 that this loss will be borne by SAFU and the company’s own funds.

Official source:Binance: Announcement of Preliminary Investigation into Security Incident

Is Binance a scam?

Binance itself is not a scam, but fraud groups often use the name of Binance to commit fraud. The following scams are more common:

  • Phishing website
    Phishing websites refer to using extremely similar URLs to trick users into entering information on fake websites, thereby stealing users’ account passwords. For example, the correct Binance URL is https://www.binance.com/, he can just put multiple "e"s in the middle into https://www.bineance.com/(A gentle reminder not to connect, I don’t know what URL this is). People who are not sensitive to URLs can easily ignore the differences and be fooled. Therefore, when using any website that requires entering an account and password, we need to pay attention to whether the URL is correct!
  • Fake customer service personnel contact (Telegram, Email, etc. any communication channel)
    Fake customer service means that fraud groups will use the name of official customer service to contact users, usually with a seemingly legitimate reason for contact and some urgency. For example, it may say that there is a security issue with your account and you need to send back some of your account's personal information, or it may say that your account has won a prize and you must send back your account information within a certain period of time to qualify for the prize... etc. These are all using false reasons to defraud account information, so don't be fooled!
  • Fake lottery winnings or any information or links that benefit users
    In addition to the fake customer service mentioned above, there are also many fake lottery winning or empty investment information. The links they provide are usually designed to arouse people's greed and allow you to easily hand over personal information or click on the link. You must remember that there is no free lunch in the world, and you must first confirm whether everything is true or false before taking action.
  • Dating app relationship fraud
    In today's society, everyone is very busy, and many people use dating software to meet new friends during their spare time. This expands our circle of friends, but at the same time, it also increases the risks. Many fraud groups will pretend to be users. They will chat with you and make friends like ordinary people at the beginning. Soon they will start to bring the topic to "investment", saying how much money they have made by doing this, and want to help you do it together. Then they will put up fake websites and fake exchanges to ask you to deposit money, or ask you to buy fake USDT. Once you hand over the money, you will be dead.

In fact, these methods are quite common, and fraud groups will use various names to deceive users. Therefore, we usually need to double check and be careful when contacting any information or clicking on anything, and remember not to be "greedy" so as not to cause loss of our own assets.

More information about cryptocurrency and virtual currency scams

Binance registration tutorial: from account opening to completing KYC

Step 1: Open the official website or app

從 Binance official website To get started, select Register. It is recommended to obtain the mobile app from the download entrance provided by the official website.

⮕Click to register on Binance and enjoy exclusive transaction fee discounts for Sangbi readers(Or enter the invitation code: B927G19G)

Step 2: Create an account and complete verification

Select email, mobile phone or the currently provided third-party login method according to the screen to complete verification and necessary information. The options may be different for different platforms or regions, please refer to the current process.

Set a unique password and save your own login method. When using across devices, make sure you are logged in with the same account.

Step 3: Complete identity verification KYC

Follow the account instructions to fill in your place of residence and personal information, then submit acceptable identity documents and complete necessary facial or other verifications. Document types, supplements and review times are determined by official procedures.

After passing KYC, confirm the transaction, deposit and withdrawal functions available in the account. If you need a replacement, please go to the verification page after logging in or the official customer service.

Step 4: Set up account security

Go to the Account Security page and check options such as passkeys, authenticators, and anti-phishing codes. You can also view the logged-in device and withdrawal address management functions.

Step 5: Confirm the deposit method first

Before you start, decide which situation you belong to: you already hold cryptocurrency, or you are planning to buy coins with Taiwan dollars first. The operation routes of the two are different and will be explained separately in the next section.

After completing the registration, you can use small amounts of assets to familiarize yourself with the operation. There is no need to activate contracts or lending services immediately.

How do Taiwanese users deposit money into Binance?

"Deposit" is not only a bank transfer, but also a transfer of cryptocurrency from other exchanges or wallets.

The current situation can be researched. First, confirm the currency, network, address and minimum stored value of the cryptocurrencies you hold. Transfer from the original platform or wallet to Binance. You only have Taiwan dollars in hand. Buy coins on a platform that provides Taiwan dollar services and then transfer to the platform. Open an account, buy coins and withdraw fees. If you want to buy coins directly with a card, check the one-click coin buying option displayed on your Binance account. The card issuing bank, payment qualifications, quotation and total fee

Just because a Binance account can be used does not mean that every Taiwan dollar payment method is necessarily available; the option to directly buy coins should be based on the actual display of your own account and payment instrument.

Further reading:Binance Deposit Tutorial: 2026 Taiwan Coin Purchase, USDT Transfer and Account Inquiry

I already have USDT, how can I transfer it to Binance?

The following uses USDT as an example, without specifying which network is best for everyone:

  1. Log in to Binance, go to the assets page, and select the stored-value cryptocurrency.
  2. Select USDT to view the stored value networks currently supported by Binance.
  3. Go back to the transfer platform, confirm that the network is also supported, and then obtain the corresponding address from Binance.
  4. Check the address, minimum stored value amount and fee; if the asset requires a Memo/Tag, fill it in as well.
  5. Submit the withdrawal on the transfer platform and save the transaction record and transaction identification code.
  6. Go to Binance's stored value record to check the status and wait for the required confirmation and credit process to be completed.

USDT can exist on different networks, and you cannot transfer it directly just because the currency name is the same. If you want to understand this difference, you can first read The operation and use of USDT。

手上只有台幣，可以怎麼開始？

一種路線是在提供台幣出入金服務、且符合你使用條件的平台完成開戶與買幣，再將支援的資產轉到幣安。這會涉及台幣平台的交易費、提領費及到帳時間。

另一種是查看幣安帳號內的一鍵買幣與付款方式，確認自己的卡片或服務商是否支援。不要只比較畫面上的手續費，也要比較最後實付金額與實際收到的幣量。

P2P 是與交易對手買賣的另一種模式，與直接從平台買幣不同；是否提供適合的幣別與付款方式，應依目前帳號頁面確認。第一次使用可先選擇自己較容易理解與追蹤的路線。

幣安買幣教學：完成第一筆現貨交易

以帳號已有 USDT、準備買入比特幣為例，可以使用 BTC/USDT 現貨交易對。這代表以 USDT 作為報價資產買賣 BTC。

延伸閱讀：幣安現貨交易教學：市價單、限價單、買賣與取消訂單一次看

步驟一：確認資產在可交易帳戶

進入資產頁查看 USDT 的可用餘額。若資產在資金帳戶、理財或其他帳戶，依需要先劃轉至現貨帳戶，或依目前介面提供的方式操作。

步驟二：進入現貨並選擇交易對

從交易選單進入現貨，搜尋 BTC/USDT，確認畫面是現貨買賣。接著查看價格、委託簿與輸入欄位。

步驟三：選擇市價單或限價單

類型怎麼運作適合先了解的情境市價單依當下可成交委託執行，成交價可能分布在不同價位希望較快完成交易限價單指定可接受價格，依價格與排隊情況等待成交想控制價格，接受等待

限價單不一定成交，也不一定都是 Maker。如果買入限價已高到能立即吃到現有賣單，仍可能以 Taker 成交。

步驟四：輸入金額並確認

例如準備使用 100 USDT 買入 BTC，依介面選擇以金額或數量輸入，確認交易對、訂單類型與預估費用，再送出買單。

這裡的 100 USDT 只是操作示例，不是建議投資金額。實際可下單量也需符合交易對的最低金額與精度規則。

步驟五：查看成交與持有數量

送出訂單後，查看未成交委託與成交紀錄。若限價單沒有成交，可以保留等待或取消；成交後則確認 BTC 餘額與實際手續費。

想賣出時，切到同一交易對的賣出區，選擇訂單類型與數量。賣成 USDT 後，資產仍是加密貨幣，還不等於已換成台幣進入銀行帳戶。

幣安如何出金？提幣與換回台幣的差別

路線一：提領到其他交易所或個人錢包

  1. 在接收平台或錢包取得正確幣種與網路的收款地址。
  2. 回到幣安，進入提領加密貨幣，選取資產。
  3. 填入地址與對應網路；若需要 Memo／Tag，一併核對。
  4. 輸入數量，確認提領費、最低提領量與預計到帳數量。
  5. 完成安全驗證，提交後查看提領紀錄。

路線二：換回台幣並提領到銀行

可研究將接收平台支援的資產轉到提供台幣交易及銀行提領的平台，依該平台規則賣出成台幣，再提領至本人銀行帳戶。

流程可概括為：幣安提幣 → 台幣平台入帳 → 賣出為台幣 → 銀行提領。

轉出前，先確認對方支援哪一種資產與網路、是否需要來源資料，以及銀行提領規則。這些步驟與費用由不同服務商分別處理。

延伸閱讀：幣安出金教學：2026 提幣、換台幣與銀行提領流程

提領費不等於自己錢包支付的鏈上礦工費

交易所會依資產與網路顯示提領費，它可能與鏈上即時成本不同。若提領的是比特幣，可另外了解比特幣交易手續費的計算方式，但不能直接把鏈上費率當成幣安必須收取的價格。

幣安手續費怎麼算？先分清楚費用種類

費用什麼時候可能產生如何確認現貨交易費買賣撮合成交時帳號費率與成交紀錄合約交易費衍生品交易成交時對應合約費率頁資金費率適用永續合約的結算安排合約頁與結算規則借貸利息使用槓桿借幣或貸款時借款利率與計息方式加密貨幣提領費從幣安提到外部地址時提領確認畫面買幣與付款費用使用卡片或第三方付款時最終報價與付款條件

現貨費率低，不代表整條入金到出金流程都沒有其他成本。比較方案時，把交易費、兌換價差、付款及轉出費用一起看，會比較接近實際花費。

延伸閱讀：幣安手續費怎麼算？2026 現貨、合約、提幣與 BNB 折扣教學

Maker 和 Taker 是什麼？

Maker 是把委託留在委託簿、提供流動性的成交角色；Taker 則是與現有委託成交、取走流動性的一方。

兩者費率依產品與等級而異。市價單通常是 Taker；限價單則要看是否立即成交，不能直接把限價單等同 Maker。

一般用戶的現貨手續費

依本文撰寫時的幣安官方一般現貨費率，一般用戶 Maker／Taker 均為 0.1%；適用 BNB 25% 折扣時，為 0.075%。特定交易對或活動可能另有規則。

以成交金額 1,000 USDT、費率 0.1% 的單筆交易為例，費用的報價資產等值為：

1,000 × 0.1% = 1 USDT 等值。

若符合 BNB 折扣，則為：

1,000 × 0.075% = 0.75 USDT 等值，通常依規則以 BNB 扣抵。

以上是費用等值示例。未使用 BNB 抵扣時，實際扣費幣種通常與成交收到的資產有關，請看成交紀錄。買入與之後賣出是兩筆成交，應分別計算。

BNB 是什麼？如何使用手續費折扣？

BNB 於 2017 年發行，常用於幣安適用服務，也是在 BNB Smart Chain 等支援網路支付交易成本的資產。想理解鏈上程式，可延伸閱讀智能合約的運作方式。

對幣安交易使用者而言，最容易接觸的用途是手續費支付、部分 VIP 資格，以及依活動條件參與 Launchpool 或 HODLer Airdrops。

持有 BNB，就會自動享有所有折扣嗎？

不能只看帳號是否有 BNB。通常還需要開啟對應的 BNB 支付手續費選項、保有足夠可用餘額，並符合該產品與交易對的折扣規則。

操作時可依以下順序確認：

  1. 到帳號費率或交易手續費設定頁，查看 BNB 抵扣選項。
  2. 確認適用產品並開啟。
  3. 保留足夠的可用 BNB，不能只看理財或其他受限部位的總持有量。
  4. 完成交易後，核對成交紀錄中的費率、費用與扣款資產。

BNB 折扣和 VIP 可以一起看嗎？

可以依官方費率表比較 VIP 原始費率與 BNB 抵扣後費率。例如 VIP 1 的一般現貨 Maker 為 0.09%，符合 25% 折扣後為 0.0675%。

這不代表合約、付款與所有活動都同樣打七五折。不同產品需分別查閱，不能把現貨的優惠比例套用到全部服務。

幣安 VIP 等級怎麼取得？有哪些好處？

VIP 是幣安依使用者交易與資產等條件提供的等級制度。官方設有交易、資產持有及借貸等資格路徑，也可能提供符合條件的邀請安排。

透過現貨交易量與 BNB 持有量取得資格

以下為本文查核時官方一般現貨費率表中的部分級距；這是現貨交易路徑示例，不是所有 VIP 取得方式的完整條件。

等級近 30 天交易量，USD 等值BNB 持有量一般現貨 Maker／Taker適用 BNB 折扣後 Maker／Taker一般用戶未達 VIP 門檻無 VIP 持幣門檻0.100%／0.100%0.075%／0.075%VIP 1≥ 1,000,000≥ 5 BNB0.090%／0.100%0.0675%／0.075%VIP 2≥ 5,000,000≥ 25 BNB0.080%／0.100%0.060%／0.075%VIP 3≥ 20,000,000≥ 100 BNB0.040%／0.060%0.030%／0.045%

上述 VIP 1～3 交易路徑需同時符合交易量與 BNB 條件，不是只買到表中 BNB 數量就能升級。交易量統計、持幣計算與其他路徑門檻，請以 My VIP 與官方方案頁為準。

還有其他升級方式嗎？

官方也提供依資產持有或借貸等條件取得 VIP 的路徑。若交易量不高但有較大資產配置，可以先查看是否符合其他計畫；不能直接套用上表的現貨交易條件。

官方說明 VIP 等級依適用條件每日更新；若符合多種資格，按符合的最高等級判定。短期活動取得的權益，則另外留意有效期限。

VIP 有什麼優惠？

可能包括較優惠費率、較高額度、優先客服、專屬資訊及活動邀請；實際服務依等級、產品及資格而異。

一般新手先了解原始費率與 BNB 折扣即可。是否值得追求 VIP，可用原本就會發生的交易與資產需求評估。

延伸閱讀：幣安 VIP 教學：2026 等級門檻、升級方法與手續費優惠

幣安有哪些主要產品？依需求選擇即可

需求可以研究的功能重點買賣並持有加密貨幣現貨、兌換比較成交價格、費率與可用交易對定期買入定期購買／定投設定週期、金額與扣款來源依規則自動交易網格、現貨 DCA 等交易機器人理解策略條件、資金分配與停止方式使用資產參與收益產品Simple Earn、適用質押產品查看收益來源、申贖規則與期限參與新幣相關活動Launchpool、HODLer Airdrops 等核對活動快照、資產與地區資格研究進階交易合約、槓桿、期權先理解保證金、計價與清算機制接觸鏈上應用Binance Wallet、Alpha 相關入口分清楚錢包與交易所帳戶的資產及權限抵押資產取得借款幣安輕享貸等借貸產品比較抵押條件、利息、期限與還款規則

定期購買不等於 DCA 交易機器人

定期購買通常是按時間與金額累積資產；DCA 交易機器人則可能依價格變化、加倉與獲利了結條件執行策略。即使名稱都有 DCA，也要看實際規則。

資產抵押借貸：幣安輕享貸

除了買賣與理財，幣安也提供資產抵押借貸服務。想保留原有加密資產、同時取得其他資產作為資金用途的使用者，可以進一步了解輕享貸的借款方式、抵押條件與還款規則；實際支援資產、利率及可用資格，以官方產品頁為準。

延伸閱讀：幣安輕享貸介紹與使用教學

理財與質押也不是同一件事

不同收益產品的來源與運作方式不同，不能把所有存幣賺取收益的功能都叫作鏈上質押。查看產品時，先分辨是活期、定期、借貸相關或鏈上驗證服務。

幣安最新消息

以下整理與平台使用方式相關的官方進展：

2026/10/30：安全事件第二次更新與提現恢復規劃

幣安在 2026 年 10 月 30 日發布第二次安全事件更新，表示熱錢包於 10 月 29 日 20:05 UTC（台灣時間 10 月 30 日 04:05）遭入侵，約 63 億美元的代幣資產受影響。幣安當時表示，已備妥超過 63.4 億美元的自有資金，其中約 50 億美元為與受影響資產相同的幣種，約覆蓋受影響金額的 80%，其餘同幣種資產仍在採購。

當時充值服務持續開放，提幣暫停。幣安原定在公告後約 34 小時內、完成安全檢查後開始分階段恢復提幣。調查方面，幣安初步懷疑事件涉及一台遭入侵的筆電，隨後也發現其他入侵點。公告當時估計，約 30 億美元資產已在鏈上凍結，後續仍須追查與追回。

幣安在這份公告中也把 11 月 2 日列為公布新一輪儲備證明（PoR）結果的目標日期。完整零知識證明與第二階段提幣的後續進度，見下方 11 月 2 日至 3 日更新。

官方來源｜幣安 2026 年 10 月 30 日安全事件第二次更新

2026/10/31～11/01：公布新儲備快照與第一階段提現恢復安排

幣安於 10 月 31 日第三次更新表示，已補足約 90% 的受影響金額，並公布新的 PoR 快照。11 月 1 日第四次更新則將補足比例提高至約 95%，並表示 BTC、ETH、USDT、BNB、SOL、USDC、XRP、USD1、RLUSD 與 ZEC 十種資產的餘額均有 100% 資產支持。這些是公司公告的不同統計口徑：「整體受影響金額補足比例」不能與「指定十種資產的支持比例」混為一談，也不等於遭凍結資產已全數追回。

第四次更新公布第一階段提現恢復安排，當時預定於 11 月 1 日 06:00～09:00 UTC（台灣時間 14:00～17:00）逐步開放指定資產及網路。公告列出 BTC、Ethereum、BSC、TRON、Solana 等網路，但每條網路適用的資產不同；例如 Base 該階段列 ETH、USDC，不能據此推定 Base 上所有代幣均可提領。

充值持續開放；提現是否可用，仍須逐一查看所選資產、網路與帳號畫面。初期可能因流量而延遲，已過公告預定時段也不代表所有網路全面恢復。操作可參考幣安提幣與台幣出金教學。

官方來源：幣安｜第三次更新、幣安｜第四次更新

2026/11/02～11/03 幣安完成儲備證明驗證資料，第二階段提幣啟動

幣安 11 月 2 日公布，10 月 31 日儲備快照的完整零知識證明已生成，指定十種資產的用戶可自行驗證餘額。第二階段提幣則從 11 月 3 日 04:00 UTC（台灣時間 12:00）開始，按公告列出的幣種與網路組合逐步恢復。充值持續開放。

儲備證明公告｜第二階段提幣公告

幣安 11 月 3 日發布的初步調查指出，受影響的數位資產約值 63.4 億美元，當中約 28.5 億美元已遭凍結或攔截，金額仍受後續對帳及市場價格變動影響。幣安另稱，截至 10 月 31 日，約 98% 的受影響代幣資產已由公司補足。補足比例與凍結或攔截金額是不同統計，後者的最終追回結果仍待確認。

幣安初步調查與應對報告

2026/11/04～11/05：儲備快照擴大至 44 種代幣，提幣再增一批開放安排

幣安於 11 月 4 日發布第七次復原公告，表示已用自有資金補足約 98% 的受影響金額，剩餘資產仍透過市場及場外交易管道採購。這個比例是幣安披露的資產補足進度。遭竊資產的實際追回金額，以及各幣種和網路的提幣可用狀態，則要分別查看。

同一份公告也公布了 11 月 4 日的新儲備快照，涵蓋範圍由上一輪的 10 種擴大至 44 種代幣。快照已可查看，幣安在公告發布時預估，完整零知識證明需約 50 至 60 小時生成。

11 月 5 日，幣安在第八次復原公告表示，自台灣時間當天中午 12 時起，再按安全檢查進度分批開放指定幣種與網路的提幣。公告列出的組合包括 Ethereum 上的 UNI、AAVE、LDO，以及 Base 上的 AERO、VIRTUAL、MORPHO 和 AVNT。充值服務持續開放，提幣前請到帳號內確認所選幣種及網路的可用狀態。操作步驟可參考幣安提幣與台幣出金教學。

官方來源｜幣安第七次復原公告、幣安第八次復原公告

2026 年 11 月 6 日，幣安發布第九次復原公告，追加規劃恢復的資產與網路組合，仍依安全檢查結果分批開放。另截至 11 月 9 日撰稿當下，11 月 4 日儲備快照已顯示 Merkle Root Hash；先前公告的證明生成時間屬當時預估，應與目前發布狀態區分。

2026/10/31～11/05｜FBI 公布調查歸因，Tether 與 Circle 披露凍結金額

美國聯邦調查局（FBI）於 10 月 31 日將幣安安全事件歸因於北韓。Tether 在 11 月 2 日披露，已凍結逾 15 億美元的相關 USDT。Circle 則在 11 月 5 日表示，已配合執法機關凍結約 11 億美元的相關 USDC。

上述數字是兩家發行商各自披露的凍結金額。凍結會限制指定地址上的穩定幣移轉，資產後續能否返還仍取決於調查及法律程序。幣安以自有資金補足的金額、發行商凍結的金額及實際返還的金額，應分開看待。

官方來源｜FBI 公告 · Tether 公告 · Circle 公告

2026 年 10 月：Binance AI 與 AI Pro

幣安官方學院介紹 Binance AI、Binance AI Pro 與 Agent OS 的差異：AI 偏向市場資訊與個人化體驗；AI Pro 則著重以自然語言建立策略；Agent OS 服務外部代理與開發整合。

官方資料指出 AI Pro 於 10 月 19 日推出，策略需經使用者確認，並透過指定子帳戶與受控權限執行。各項功能仍有地區、帳號及開放進度差異，不等於每位台灣使用者已能使用所有功能。

2026 年 9 月：VIP 資格公告更新

官方 VIP 公告於 9 月 10 日更新，補充資產持有路徑的門檻資訊。現行 VIP 1～3 的 BNB 門檻也已不同於舊表，查看教學時應搭配目前的官方費率頁。

2026 年 8 月：推出 Binance Agent OS

8 月 20 日的官方公告介紹 Agent OS，整合 API、MCP 與代理工具，讓相容應用程式在使用者設定的權限範圍內連接幣安能力。

一般新手不需要先使用 AI 代理，才能完成註冊或現貨交易。想研究代理工具的讀者，可以另外了解 ChatGPT 的工作方式與 Grok Bot 的使用情境。

幣安風險

平台保管與服務變動

交易所帳戶由平台提供資產保管與服務，可能受到營運、資安事件、系統維護或帳號審查影響。PoR 與 SAFU 各有作用範圍，不能視為所有損失的保證。

市場與槓桿風險

幣價會波動，買入後可能虧損。合約、槓桿與部分結構型產品有額外的保證金、清算與結算機制，使用前應先理解規則。

轉帳網路與地址錯誤

提領前核對幣種、網路、地址與 Memo／Tag。剪貼簿與紀錄中的地址也要重新比對，可參考地址投毒攻擊的辨識方式。

冒名客服與假活動

常見冒名方式包括假 App、假客服與要求先匯款的獎勵活動。需要協助時，從登入後的官方客服入口處理，不把密碼、驗證碼或錢包助記詞交給私訊者。

地區與監管差異

不同地區適用的服務實體、產品與限制可能不同。帳號可以登入，不代表所有產品都開放，也不等同取得台灣本地金融機構相同的保障；請依帳號與官方條款確認服務範圍。

⮕點擊註冊幣安，享桑幣讀者專屬交易手續費優惠（或輸入邀請碼：B927G19G）

幣安常見問題 FAQ

幣安是什麼？

幣安是提供加密貨幣交易與相關服務的平台。一般使用者可透過帳號進行儲值、現貨買賣與提領。

台灣新手如何開始使用幣安？

先從官方入口註冊並完成 KYC，設定帳戶安全，再確認自己的入金方式。第一筆操作可從小額現貨交易開始。

幣安一定要完成 KYC 嗎？

一般使用交易與相關服務需完成適用的身分認證。實際文件與可用功能請看帳號驗證頁面。

幣安可以直接用台幣入金嗎？

要分清楚台幣銀行匯款、信用卡買幣及 P2P 等不同方式。是否支援取決於帳號、付款工具與服務商；也可研究在提供台幣服務的平台買幣後轉入。

幣安現貨交易手續費是多少？

本文查核時，一般現貨用戶標準 Maker／Taker 均為 0.1%；適用 BNB 折扣時為 0.075%。特定交易對、VIP 與活動可能不同。

持有 BNB 就一定有七五折嗎？

還需符合適用產品規則、開啟 BNB 支付手續費，並有足夠可用餘額。現貨折扣不能直接套用到所有產品。

VIP 1 只要持有 5 BNB 就能取得嗎？

不是。本文列出的現貨交易路徑，還需達到近 30 天 100 萬 USD 等值交易量；其他取得路徑依各自條件判定。

買入比特幣一定要使用合約嗎？

不需要。現貨交易即可買入 BTC；合約是不同的交易工具與結算方式。

幣安提幣等於已換成台幣嗎？

不等於。提幣是轉出加密貨幣；換回台幣還涉及賣出及銀行提領等步驟。

為什麼入金或提幣還沒到帳？

先查看平台紀錄、網路狀態、交易識別碼與所需確認數。若超過一般處理時間或顯示異常，提供交易資料給官方客服查詢。

PoR 和 SAFU 可以保證資產不會損失嗎？

不能這樣理解。兩者有各自的範圍與條件，市場虧損、個人操作及平台事件也不能混為一談。

幣安是詐騙嗎？如何找到真正客服？

Binance 是實際營運的交易平台，但有人會冒用名稱製作假網站、假 App 與假客服。請從官方網站或 App 進入客服，不因對方使用幣安標誌就認定是真實人員。

官方資料來源

*本文由桑幣區識編輯團隊依據官方資料及公開資訊整理，內容僅供資訊與教育用途，不構成投資建議。

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