比特幣：一種潛在的財務排斥解決方案，也是未銀行銀行賬戶的更大財務包容性的途徑

比特幣具有分散的性質和區塊鏈技術，為全球金融排斥挑戰提供了潛在的解決方案，為被排除在傳統銀行系統中的人們提供了更大的財務通道。

Bitcoin’s Role in Enhancing Financial Accessibility for the Unbanked

比特幣在增強未銀行賬戶的財務可及性方面的作用

Around 1.7 billion people worldwide remain unbanked, meaning they have no access to traditional banking services. This lack of financial inclusion often limits their ability to participate in the global economy, receive or send money, save securely, and access credit. The unbanked population is particularly prevalent in developing countries, rural areas, and in certain marginalized communities.

全世界約有17億人沒有賬戶，這意味著他們無法獲得傳統的銀行服務。缺乏金融包容性通常會限制他們參與全球經濟，獲得或匯款，安全省錢和訪問信貸的能力。在發展中國家，農村地區和某些邊緣化的社區中，沒有銀行的人​​口特別普遍。

However, Bitcoin, with its decentralized nature and blockchain technology, offers a potential solution to this global challenge, providing greater financial access for people who are excluded from traditional banking systems. In this article, we explore how Bitcoin and cryptocurrencies can enhance accessibility for the unbanked and provide financial opportunities to individuals who lack access to traditional banking infrastructure.

但是，比特幣具有分散的性質和區塊鏈技術，為這一全球挑戰提供了潛在的解決方案，為被排除在傳統銀行系統中的人們提供了更大的財務通道。在本文中，我們探討了比特幣和加密貨幣如何增強無銀行賬戶的可及性，並為缺乏傳統銀行基礎設施的個人提供財務機會。

The Challenge of Financial Exclusion

財務排除的挑戰

Financial exclusion is a significant problem worldwide. People who are unbanked often face numerous barriers that prevent them from accessing financial services:

財務排除是全球一個重大的問題。沒有銀行銀行的人通常會面臨許多阻止他們獲得金融服務的障礙：

- Lack of traditional identification documents, such as passports or driver's licenses

- 缺乏傳統的身份證文件，例如護照或駕駛執照

- No fixed address or proof of residence

- 沒有固定地址或居住證明

- Low credit scores or lack of credit history

- 信用評分低或缺乏信用記錄

- Minimum balance requirements or high service fees imposed by banks

- 銀行徵收的最低餘額要求或高服務費

- Geographic remoteness or limited access to physical bank branches

- 地理遙遠或有限的物理銀行分支機構的訪問權限

Bitcoin, by contrast, can help solve many of these challenges due to its decentralized, open-access nature. It doesn’t rely on a central authority like a bank, and transactions can be carried out directly between peers, without intermediaries.

相比之下，比特幣可以幫助解決許多這些挑戰，因為其分散的開放式訪問性質。它不依賴像銀行這樣的中央權威，並且可以在同行之間直接進行交易，而無需中介。

Bitcoin’s Potential to Enhance Accessibility for the Unbanked

比特幣增強未賬戶的可及性的潛力

Bitcoin’s decentralized model and the technology behind it—blockchain—allow it to offer several key advantages that could empower the unbanked population:

比特幣的分散模型及其背後的技術（遮擋鏈）允許它提供幾個可以增強人口能力的關鍵優勢：

1. No Need for a Bank Account

1。不需要銀行帳戶

One of the biggest advantages of Bitcoin is that it doesn’t require users to have a traditional bank account. Instead of relying on banks to process and hold funds, Bitcoin transactions are conducted over a peer-to-peer network using digital wallets. Anyone with access to the internet can download a wallet app and start using Bitcoin, without the need for approval from any central institution. This eliminates the need for formal identification or credit checks, which are often required by traditional financial institutions.

比特幣最大的優點之一是，它不需要用戶擁有傳統的銀行帳戶。比特幣交易不是依靠銀行來處理和持有資金，而是使用數字錢包在點對點網絡上進行的比特幣交易。任何可以訪問互聯網的人都可以下載錢包應用程序並開始使用比特幣，而無需任何中央機構的批准。這消除了對傳統金融機構通常需要的正式識別或信用檢查的需求。

By simply using a smartphone or computer, individuals can gain access to global financial networks. As long as they can connect to the internet, they can send and receive Bitcoin globally, effectively bypassing the need for traditional banking infrastructure.

通過簡單地使用智能手機或計算機，個人可以訪問全球金融網絡。只要他們可以連接到互聯網，他們就可以在全球範圍內發送和接收比特幣，從而有效地繞開了對傳統銀行基礎設施的需求。

2. Lower Transaction Costs

2。降低交易成本

Bitcoin transactions can be significantly cheaper than traditional financial services, especially for cross-border transfers. The unbanked population, particularly in developing countries, often relies on remittances sent from family members working abroad. Traditional remittance services, like Western Union or MoneyGram, charge high fees for sending money across borders, which can eat into the amount the recipient receives. These fees can range from 5% to 10%, or more, depending on the service and the destination country.

比特幣交易可以比傳統金融服務便宜得多，尤其是對於跨境轉移。沒有銀行的人​​口，尤其是在發展中國家，通常依賴於從國外工作的家庭成員發送的匯款。傳統的匯款服務，例如西聯匯款或Moneygram，收取高額費用，以跨境匯款，這可能會吞噬收件人收到的金額。根據服務和目的地國家，這些費用可能從5％到10％或更高。

Bitcoin can drastically reduce these fees, especially for smaller transactions. Even if Bitcoin’s transaction fees fluctuate based on network congestion, they are still often far less expensive than the high charges of traditional remittance services. By using Bitcoin, individuals can send money internationally with lower costs, improving the overall amount received.

比特幣可以大大降低這些費用，尤其是對於較小的交易。即使比特幣的交易費用基於網絡擁塞而波動，它們的價格也比傳統匯款服務的高收費還要低得多。通過使用比特幣，個人可以在國際上以較低的成本匯款，從而提高收到的總額。

3. Financial Inclusion for the Unbanked

3。無銀行賬戶的財務包容性

With Bitcoin, anyone with an internet connection can become part of the global financial system. Unlike traditional financial institutions, which may require proof of identity, credit scores, and a permanent address to open an account, Bitcoin can be accessed anonymously. All a person needs to get started is a smartphone and an internet connection.

使用比特幣，任何具有互聯網連接的人都可以成為全球金融體系的一部分。與傳統的金融機構不同，這可能需要身份證明，信用評分和開設帳戶的永久地址不同，可以匿名訪問比特幣。一個人開始使用的只是智能手機和互聯網連接。

This is particularly important in regions where large portions of the population lack formal identification documents. For example, in many African or Latin American countries, many citizens do not have government-issued identification, making it difficult for them to open bank accounts or access financial services. Bitcoin, however, bypasses these barriers entirely.

這在大部分人口缺乏正式身份文件的地區尤其重要。例如，在許多非洲或拉丁美洲國家中，許多公民沒有政府發行的身份證明，這使得他們很難開設銀行帳戶或訪問金融服務。但是，比特幣完全繞過這些障礙。

Additionally, Bitcoin can offer micro-financing opportunities to people who don’t have access to loans from traditional banks. In some areas, Bitcoin can provide an alternative to credit for individuals who are otherwise excluded from financial services due to their lack of credit history.

此外，比特幣可以為無法獲得傳統銀行貸款的人們提供微交易的機會。在某些領域，比特幣可以為那些由於缺乏信用記錄而被排除在金融服務中的個人提供替代信貸。

4. Cross-Border Payments and Remittances

4。跨境支付和匯款

One of the most exciting potential benefits of Bitcoin for the unbanked is its ability to facilitate cross-border payments and remittances. Remittance flows are a lifeline for many people living in developing countries, and Bitcoin can significantly reduce the costs and time involved in sending money from one country to another.

比特幣最令人興奮的潛在好處之一是無銀行賬戶的能力，可以促進跨境支付和匯款。對於許多居住在發展中國家的人來說，匯款流是一條生命線，比特幣可以大大降低將錢從一個國家匯款到另一個國家的成本和時間。

According to the World Bank, in some regions, the cost of sending remittances can be as high as 10% of the total transfer. Bitcoin allows for direct transfers from sender to recipient, bypassing intermediaries and lowering costs. This can make it easier for families to receive money from relatives working abroad and for businesses to engage in global trade. Bitcoin’s global accessibility allows for fast, efficient, and low-cost transactions, which is particularly important for people in low-income or unbanked communities.

根據世界銀行的數據，在某些地區，發送匯款的成本可能高達總轉移的10％。比特幣允許直接從發送者轉移到收件人，繞過中介機構並降低成本。這可以使家庭更容易從在國外工作的親戚和企業從事全球貿易的資金。比特幣的全球可訪問性允許快速，高效和低成本的交易，這對於低收入或無銀行社區的人尤為重要。

5. Security and Privacy

5。安全和隱私

Bitcoin transactions are

比特幣交易是