比特幣可以取代銀行嗎？探索財務可及性，安全性和經濟穩定性

自從十多年前加密貨幣之後，諸如“成為您自己的銀行”之類的短語並沒有停止流行。

Ever since crypto came to the scene more than a decade ago, phrases like ‘be your own bank’ have not ceased to be popular. The idea is that, with crypto, you have more control over your financial future than traditional finance. Of course, one of the reasons many people have been turning to Bitcoin is its decentralized framework.

自從十多年前加密貨幣之後，諸如“成為您自己的銀行”之類的短語並沒有停止流行。這個想法是，使用加密貨幣，您比傳統財務更能控制財務未來。當然，許多人轉向比特幣的原因之一是它的分散框架。

This is why the currency’s price has actually been increasing. In fact, according to a recent BTC price chart, its value has seen exponential growth, hitting highs of more than $87,000, up from $1 more than a decade ago. Even though this is a significant decline from its value a few months ago, the question of whether it could fully replace banks continues to soar. Let’s try to answer it by exploring the following key areas.

這就是為什麼貨幣的價格實際上在上漲的原因。實際上，根據最近的BTC價格表，其價值已達到指數增長，高達87,000美元，高於十年前的1美元。即使幾個月前的價值顯著下降，但它是否可以完全取代銀行的問題繼續飆升。讓我們嘗試通過探索以下關鍵領域來回答它。

Everyone can agree that financial inclusion is critical in the furtherance of any economy. In fact, according to the World Bank, it could help attain seven of the global sustainable development goals.

每個人都可以同意，金融包容性對於任何經濟的促進至關重要。實際上，根據世界銀行的說法，它可以幫助實現全球可持續發展的七個目標。

But as it is now, FinDev Gateway thinks that only 76% of the world can access official financial accounts. While this is a significant improvement, there is still a notable percentage of the world that’s excluded financially.

但是現在，Findev Gateway認為，只有76％的世界可以訪問官方財務帳戶。儘管這是一個重大的改進，但在財務上，世界上仍然有很大一部分被排除在外。

And at a time when discussions around this subject are increasing, nations could turn to Bitcoin to stay ahead. Since it operates on a decentralized network, anyone can send and receive funds without the help of an intermediary.

在談論這一主題的討論正在增加的時候，各國可能會轉向比特幣以保持領先地位。由於它在分散的網絡上運行，因此任何人都可以在無中介的幫助下發送和接收資金。

This could be the reason certain traditional institutions are becoming crypto-friendly. JPMorgan, for example, just rebranded its blockchain with plans to expand and tokenize it. It’s also expected to adopt on-chain foreign exchange conversions this year (2025).

這可能就是某些傳統機構變得友好的原因。例如，摩根大通（JPMorgan）剛剛將其區塊鏈重新命名為擴展和代幣化的計劃。預計今年（2025）也將採用鏈上外匯轉換。

By eliminating intermediaries, Bitcoin reduces transaction costs, which makes it more appealing to businesses grappling with rising operational expenses. This approach also ensures payments are processed quickly. Surprisingly, 64% of companies are already experiencing challenges with delayed payments, which may cause up to 80% of potential discounts to go unclaimed.

通過消除中介機構，比特幣降低了交易成本，這使其更具吸引力的企業，以應對不斷上漲的運營費用。這種方法還確保迅速處理付款。令人驚訝的是，有64％的公司已經在付款延遲時面臨挑戰，這可能會導致潛在折扣的80％無人認領。

However, Bitcoin’s volatility poses a challenge. A single transaction could dramatically fluctuate in value within minutes, making it less reliable for everyday purchases. Plus, not all merchants accept Bitcoin, limiting its practical use compared to a standard bank account. While stablecoins (cryptocurrencies pegged to traditional currencies) offer a solution, they still rely on existing financial institutions for stability.

但是，比特幣的波動提出了一個挑戰。單個交易可能會在幾分鐘內急劇上波動，從而使其對日常購買的可靠性降低。另外，並非所有商人都接受比特幣，這與標準銀行帳戶相比限制了其實際用途。儘管Stablecoins（與傳統貨幣掛鉤的加密貨幣）提供了解決方案，但他們仍然依靠現有的金融機構來穩定。

At a time when cybersecurity has become a hot topic, the need to ensure the safety of transactions has become very apparent. And you would rather not imagine that about 39% of financial institutions that encountered ransomware incidents spend about $1 million.

在網絡安全已成為熱門話題的時候，確保交易安全的需求變得非常明顯。而且，您寧願想像大約有39％的金融機構遇到勒索軟件事件的花費約為100萬美元。

Worse still, you might need at least $5.9 million to recover from a data breach in this industry. This means that a technology that promises to improve security is always welcome, giving Bitcoin the advantage.

更糟糕的是，您可能至少需要590萬美元才能從該行業的數據洩露中恢復。這意味著，總是歡迎有望提高安全性的技術，從而為比特幣帶來了優勢。

It uses a much stronger hash algorithm, SHA-256, to encrypt data and prevent unauthorized access. To decrypt the data, you’ll not just need many computational resources—you’ll also need the specific key used to encode the data. Such an arrangement may help to reduce hacking consequences.

它使用更強的哈希算法SHA-256來加密數據並防止未經授權的訪問。要解密數據，您不僅需要許多計算資源，還需要用於編碼數據的特定鍵。這種安排可能有助於減少黑客後果。

Despite these advantages, Bitcoin still lacks certain features. Remember, traditional banks have consumer protections and insurance on deposits so that if your account is compromised, you can have legal recourse and assistance in recovering lost funds. On the contrary, Bitcoin operates under a self-sovereign control mechanism. You manage your funds through private keys, which may be empowering but risky at the same time.

儘管有這些優勢，但比特幣仍然缺乏某些功能。請記住，傳統銀行對存款具有消費者保護和保險，因此，如果您的帳戶受到損害，則可以在收回損失的資金方面獲得法律求助和協助。相反，比特幣在自我主持的控制機制下運行。您通過私鑰管理資金，這可能是賦予能力，但同時冒險。

When you lose a private key, you won’t be able to access your Bitcoin permanently. And unfortunately, there’s never a central authority to help you recover it. Interestingly, such an arrangement is not uncommon in the crypto industry.

當您丟失私鑰時，您將無法永久訪問比特幣。不幸的是，從來沒有一個中央權力可以幫助您恢復它。有趣的是，這種安排在加密行業並不少見。

A recent Chainalysis report noted that about 20% of the existing 18.5 million bitcoins were lost or stuck in accounts that could not be retrieved. Plus, despite Bitcoin being more secure, it has also experienced attacks in the past, causing several people to change their thoughts regarding it.

最近的鏈分析報告指出，現有的1850萬比特幣中約有20％丟失或陷入無法檢索的帳戶中。另外，儘管比特幣更加安全，但過去也經歷了攻擊，導致幾個人改變了對此的想法。

For Bitcoin to replace banks, it must also replace fiat currency—something it hasn’t fully achieved yet. Central banks manage economic policies such as interest rates and money supply, which help stabilize economies. Without such mechanisms, Bitcoin’s fixed supply could lead to deflationary spirals, making it difficult to function as a primary currency.

為了使比特幣替換銀行，它還必須取代法定貨幣 - 尚未完全取得的成就。中央銀行管理經濟政策，例如利率和貨幣供應，這有助於穩定經濟。沒有這種機制，比特幣的固定供應可能導致通縮性螺旋，因此很難充當主要貨幣。

Don’t also forget that governments depend on fiat currency to collect taxes, fund public projects, and manage monetary policy. So, for this token to replace banks fully, governments would need to find alternative financial structures.

也不要忘記，政府依靠法定貨幣來收取稅收，資助公共項目並管理貨幣政策。因此，要使這個代幣充分取代銀行，政府需要找到替代的金融結構。

However, the legislation has not stopped some countries from trying these crypto-based features. For example, at the end of last year, the UK parliament introduced a new bill that considers Bitcoin and other digital assets as personal property. If it is passed, asset owners will enjoy more legal protection.

但是，該立法並沒有阻止某些國家嘗試這些基於加密貨幣的功能。例如，在去年年底，英國議會提出了一項新法案，將比特幣和其他數字資產視為個人財產。如果通過它，資產所有者將享有更多的法律保護。

Well, based on this discussion, Bitcoin offers some important benefits that may make it a financial alternative in the coming

好吧，基於此討論，比特幣提供了一些重要的好處