About cryptocurrency

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Lots of times I get questions about Cryptocurrency and what are the benefits. Here are a few that I value:

许多时候，人们会问有关数字货币以及数字货币有什么好处的问题。下面是我珍视的一些资料:

How will cryptocurrency help you?

数字货币如何帮助你?

(1)Fraud: Individuals cryptocurrencies are digital and cannot be counterfeited or reversed arbitrarily by the sender, as with credit card charge-backs.

(1)(防)伪: 数字货币是数字化的，不能被伪造或被寄钱人像使用信用卡似的武断申请退还。

(2)Immediate Settlement: Purchasing real property typically involves some third parties (Lawyers, Notary), delays, and payment of fees. In many ways, the bitcoin/cryptocurrency blockchain is like a “large property rights database,” says Gallippi. Bitcoin contracts can be designed and enforced to eliminate or add third party approvals, reference external facts, or be completed at a future date or time for a fraction of the expense and time required to complete traditional asset transfers.

(2)立即解决方案 : 购买房产时需要第三方机构(如律师和公证人), 延期和支付费用。在许多情况下，比特币/数字货币区块链像一个“大型的产权数据库”，Gallippi(Bitpay老板)说。比特币合约能被设计执行来取消或添加第三方机构认证，查阅外部事实，或完成未来某时间的一部分支付和在规定的时间内进行资产交接转移。

(3)Lower Fees: There aren’t usually transaction fees for cryptocurrency exchanges because the miners are compensated by the network (Side note: This is the case for now). Even though there’s no bitcoin/cryptocurrency transaction fee, many expect that most users will engage a third-party service, such as Coinbase, creating and maintaining their bitcoin wallets. These services act like Paypal does for cash or credit card users, providing the online exchange system for bitcoin, and as such, they’re likely to charge fees. It’s interesting to note that Paypal does not accept or transfer bitcoins.

(3)低廉的费用：数字货币通常没有交易费用，因为矿工们已经在网络里得到了补偿(边注:现在情况就是这样)。即使比特币/数字货币没有交易费用，许多人希望绝大多数用户将使用第三方服务，诸如Coinbase,创建和维护他们的比特币钱包。这些服务像Paypal处理现金和信用卡用户一样，为比特币提供网上交易服务，同样地，他们会收取交易费用。有趣的是，Paypal不接受或交易比特币。

(4)Identity Theft: When you give your credit card to a merchant, you give him or her access to your full credit line, even if the transaction is for a small amount. Credit cards operate on a “pull” basis, where the store initiates the payment and pulls the designated amount from your account. Cryptocurrency uses a “push” mechanism that allows the cryptocurrency holder to send exactly what he or she wants to the merchant or recipient with no further information.

(4)(防)盗用身份信息：当你把你的信用卡给商家时，你给予了他/她获取你的全部信用额度的机会，即使交易只使用了一小笔数目。信用卡是以“拉走”为基础运作的，商家发起支付(信息)，并从你的账户里划走指定的金额数目。数字货币则用“推去”的机制，允许数字货币持有者直接送给他/她想要支付给商家或接受者准确的金额，而不必(暴露)任何附加的信息。

(5)Access to Everyone: There are approximately 2.2 billion individuals with access to the Internet or mobile phones who don’t currently have access to traditional exchange, these people are primed for the Cryptocurrency market. Kenya’s M-PESA system, a mobile phone-based money transfer, and microfinancing service recently announced a bitcoin device, with one in three Kenyans now owning a bitcoin wallet.

(5)人人可享用：全球有大约22亿人口使用网络或手机，却无法接近传统的汇兑服务，这些人为数字货币市场做好了准备。肯尼亚的M-PESA机构---(提供)以移动手机为基础的资金转账和微金融服务---最近宣布推出了一个比特币设置，现在每三个肯尼亚人中就有一人拥有一个比特币钱包。

(6)Decentralization: A global network of computers use blockchain technology to jointly manage the database that records Bitcoin transactions. That is, Bitcoin is managed by its network, and not any one central authority. Decentralization means the network operates on a user-to-user (or peer-to-peer) basis. The forms of mass collaboration (this makes possible) are just beginning to be investigated.

(6)去中心化: 计算机的全球网络用区块链技术共同管理记录比特币交易的数据库。也就是说，比特币是由它的网络管理着，而不是任何一个中心化权力机构。去中心化意味着网络以用户对用户(点对点)为基础运作。这也使得集体协作模式开始被调查成为可能。

(7)Recognition at universal level: Since cryptocurrency is not bound by the exchange rates, interest rates, transactions charges or other charges of any country; therefore it can be used at an international level without experiencing any problems. This, in turn, saves lots of time as well as money on the part of any business which is otherwise spent in transferring money from one country to the other. Cryptocurrency operates at the universal level and hence makes transactions quite easy.

(7)全球识别机制：由于数字货币不受任何国家的汇率，利率，交易费或其他费用制约，因此，它能被用于国际(市场)而不会遇到任何麻烦。反过来，对任何需要从一个国家到另一个国家支付转账费用的商家而言，这也节约了大量时间和金钱。数字货币基于全球化运作，因此使得交易更为便捷。

There is no other electronic cash system in which your account isn’t owned by someone else.

没有任何别的电子货币系统里面你的账户不被别人拥有着。

Take PayPal, for example: if the company decides for some reason that your account has been misused, it has the power to freeze all of the assets held in the account, without consulting you.

以PayPal举例来说: 如果因某种原因，公司认为你的账户已经被滥用，公司有权在不与你商量的情况下，冻结账户里的所有资产。

It is then up to you to jump through whatever hoops are necessary to get it cleared, so that you can access your funds. With cryptocurrency, you own the private key and the corresponding public key that makes up your cryptocurrency address. No one can take that away from you (unless you lose it yourself, or host it with a web-based wallet service that loses it for you).

以便你能取得你的资金。在数字货币里，你拥有你的私钥和相对应的公钥--即你的数字货币地址。没有人能够从你那里取走它。(除非你自己丢失了它或你存储的钱包丢失了。)

Overall, cryptocurrencies have a long way to go before they can replace credit cards and traditional currencies as a tool for global commerce.

总之，在数字货币能取代信用卡和传统的金融货币作为全球贸易的支付工具之前，还有很长的路要走。

Fact is, many people are still unaware of cryptocurrency aka Digital Currency. People need to be educated about it to be able to apply it to their lives. Businesses need to start accepting it. They need to make it easier to sign up and get started.

事实是，许多人仍然对加密货币，即数字货币没有意识。人们需要被教育关于如何在他们的生活中使用数字货币。商家需要开始接受数字货币，也需要在注册和使用数字货币时更容易些。

The future appeal of cryptocurrencies lies in allowing you ultimate control over your money, with fast secure global transactions, and lower transaction fees when compared to all existing currencies.

数字货币的未来在于相比世界上所有现存的货币而言，数字货币允许你终极掌控你自己的钱，享受安全快捷的全球交易服务以及更为低廉的交易费用。