Liquid Noble 的 Annette Fortner 解釋了為什麼黃金支持的數位貨幣是金融的未來

Liquid Noble 的 Annette Fortner 在 2024 年倫敦區塊鏈會議上接受 CoinGeek Backstage 採訪，講述了她為何對黃金感興趣，以及是什麼讓它作為一種資產引人注目

Liquid Noble’s Annette Fortner spoke to CoinGeek Backstage at the London Blockchain Conference 2024 on why she’s interested in gold, what makes it compelling as an asset, and how blockchain makes precious metals accessible to anyone.

Liquid Noble 的Annette Fortner 在2024 年倫敦區塊鏈會議上接受CoinGeek Backstage 採訪，講述了她為何對黃金感興趣、是什麼讓它作為一種資產具有吸引力，以及區塊鏈如何讓任何人都能接觸到貴金屬。

Despite the simplicity of the market and commodities themselves, gold and precious metals aren’t always seen as accessible investments for the average person. Many don’t want the risks or burdens associated with keeping their physical stash, and it’s often seen as a luxury investment for the already wealthy.

儘管市場和大宗商品本身很簡單，但黃金和貴金屬並不總是被視為普通人可以接受的投資。許多人不希望承擔與保留實體藏品相關的風險或負擔，而且這通常被視為本已富有的人的奢侈投資。

However, it needn’s be that way. A fast, scalable blockchain that can digitally tokenize physical assets opens up the precious metals market to anybody. There’s no need to head for alternatives like mining stocks or ETFs. Tokenized metals on a blockchain exist in secure physical vaults, with the digital token as proof of ownership.

然而，事情不必如此。快速、可擴展的區塊鏈可以對實體資產進行數位代幣化，從而向任何人開放貴金屬市場。沒有必要轉向礦業股或 ETF 等替代品。區塊鏈上的代幣化金屬存在於安全的實體金庫中，並以數位代幣作為所有權證明。

“I really believe in gold and precious metals,” Fortner says. “I’ve been in that industry for the last three years, working mainly for just bigger players… as somebody who’s developing all of the research about gold and why it’s a powerful hedger of volatility and hedger of inflation, I figured this is something that is more important for everybody.”

「我真的相信黃金和貴金屬，」福特納說。 「過去三年我一直在這個行業工作，主要為更大的參與者工作......作為一個正在開發有關黃金的所有研究以及為什麼它是波動性和通膨對沖工具的人，我認為這是對每個人來說都更重要。

“It’s not just something for the ultra-wealthy. It’s something that anybody should have in their portfolio,” she adds.

「這不僅僅是超級富豪的專利。這是任何人都應該在自己的投資組合中擁有的東西，」她補充道。

Liquid Noble can also arrange for physical metals to be delivered to their owners, but those satisfied with the tokenized version can keep their assets vaulted and trade the tokens easily for as long as they like.

Liquid Noble 還可以安排將實體金屬交付給其所有者，但對代幣化版本感到滿意的人可以將其資產保存在保險庫中，並可以根據需要輕鬆交易代幣。

The company launched for residents in its native market of Australia in August 2024. Liquid Noble is licensed by AUSTRAC and fully complies with financial and security regulations there. The plan is to expand internationally once the company can satisfy the exact requirements in other countries.

該公司於 2024 年 8 月在澳洲本土市場為居民推出。該公司計劃在能夠滿足其他國家的確切要求後進行國際擴張。

Customers deposit local (fiat) currencies by transferring from a bank account. Those amounts are then tokenized on Liquid Noble’s trading platform, which uses the Tokenized digital asset protocol on the BSV blockchain. Once there, they can be traded for units of precious metals. Users can trade in/out of metals as frequently as they like, “cash out” in their local currency, or take physical delivery of the metals (provided they have enough for a deliverable amount).

客戶透過銀行帳戶轉帳存入當地（法定）貨幣。然後，這些金額在 Liquid Noble 的交易平台上進行代幣化，該平台使用 BSV 區塊鏈上的代幣化數位資產協議。一旦到達那裡，它們就可以兌換成單位的貴金屬。用戶可以根據自己的喜好頻繁地進行金屬交易，以當地貨幣“兌現”，或者進行金屬的實物交割（前提是他們有足夠的可交割金額）。

Fortner hinted that tokenized precious metal assets in blockchain wallets could function as gold-backed spending currencies in the long term. Blockchain records are already adequate for this purpose, but to be useful as currency, merchants would have to accept them as payments.

福特納暗示，從長遠來看，區塊鏈錢包中的代幣化貴金屬資產可以充當黃金支持的支出貨幣。區塊鏈記錄已經足以滿足此目的，但要用作貨幣，商家必須接受它們作為付款。

“So my grandma maybe, or my mom, for example, she’s going to be able to one day have a gold-backed digital savings account where she goes to Starbucks, and she’s able to use a gold-backed currency to transact in that,” she says.

「所以，也許我的祖母，或者我的媽媽，有一天她將能夠擁有一個黃金支持的數位儲蓄帳戶，她可以去星巴克，並且她能夠使用黃金支持的貨幣進行交易，」她說。

Many of Bitcoin’s earliest adopters were attracted to the “sound money” principles of commodity-backed money, where supply was limited and not influenced by government policies or central banks. Despite numerous attempts at creating digital gold-backed currencies, however, there hasn’t yet been one that achieved widespread use.

許多比特幣最早的採用者都被商品支持貨幣的「健全貨幣」原則所吸引，其中供應有限，並且不受政府政策或央行的影響。然而，儘管人們多次嘗試創建數位黃金支持的貨幣，但尚未有一種貨幣被廣泛使用。

The fragmentation of the blockchain market itself is partly responsible for that, and blockchains other than BSV often suffer from scaling/technical limitations. But as Fortner says: “At the end of the day, (BSV) is fast, it’s scalable, and it’s cheap.”

區塊鏈市場本身的碎片化是造成這種情況的部分原因，而 BSV 以外的區塊鏈通常會受到擴展/技術限制的影響。但正如 Fortner 所說：“歸根結底，（BSV）速度快，可擴展，而且便宜。”

Watch: Streaming with NFTs changes the idea of ownership

觀看：NFT 串流媒體改變了所有權觀念