BSV 區塊鏈已準備好成為全球 CBDC 的引擎

央行數位貨幣（CBDC）是目前的熱門話題。然而，許多人仍然不相信它們的價值，有些人不明白它們會為經濟帶來什麼好處。

Central bank digital currencies (CBDCs) are a hot topic. But many people are still unconvinced about their value. Some do not understand what benefits they will bring to the economy.

央行數位貨幣（CBDC）是個熱門話題。但許多人仍然不相信它們的價值。有些人不明白它們會為經濟帶來什麼好處。

The adoption of CBDCs will herald a new way of working with and using money online for everyone. But how will it work?

CBDC 的採用將為每個人帶來一種在線處理和使用資金的新方式。但它會如何運作呢？

A CBDC is a digital currency issued by a country’s central bank. The central bank can manage the back-end infrastructure for the CBDC, while financial institutions can offer wallets and other customer services to end users.

CBDC 是由一國中央銀行發行的數位貨幣。中央銀行可以管理 CBDC 的後端基礎設施，而金融機構可以向最終用戶提供錢包和其他客戶服務。

The central bank holds information about funds held by users of that currency, which can be accessed by commercial financial institutions.

中央銀行持有有關該貨幣用戶持有的資金的信息，商業金融機構可以訪問這些信息。

There are many advantages to adopting CBDCs in a country, especially one that uses blockchain for distributed data storage. CBDCs will provide business and technology opportunities for applications and services that will be more efficient to use.

在一個國家採用CBDC有很多優勢，尤其是使用區塊鏈進行分散式資料儲存的CBDC。 CBDC 將為更有效率使用的應用程式和服務提供業務和技術機會。

The BSV blockchain offers several benefits for CBDCs in countries that choose new digital currencies. Adopting a CBDC will benefit merchants, service providers, software houses, developers and others across the supply chain.

BSV 區塊鏈為選擇新數位貨幣的國家的 CBDC 提供了多項好處。採用 CBDC 將使供應鏈上的商家、服務提供者、軟體公司、開發人員和其他人員受益。

Consumers will benefit, too: if a CBDC is implemented in a country, it can bring flexibility and choice to everyone who uses the currency and add the confidence of governance, security, trust and traceability.

消費者也會受益：如果一個國家實施 CBDC，它可以為每個使用貨幣的人帶來靈活性和選擇，並增加治理、安全、信任和可追溯性的信心。

The Bitcoin blockchain brings privacy, which is different from anonymity, to transactions while maintaining governance and auditability. Privacy is maintained in the user’s Bitcoin wallet, which sits at the edges of the network rather than being under centralized control.

比特幣區塊鏈為交易帶來了不同於匿名的隱私，同時保持了治理和可審計性。隱私由用戶的比特幣錢包維護，該錢包位於網路邊緣而不是受到集中控制。

Developers can create CBDC solutions to enable efficiency, privacy and security for users.

開發人員可以創建 CBDC 解決方案，為使用者提供效率、隱私和安全性。

Flexibility in wallet design means that the creator or developer of the wallet software could store privacy information at the provider in case the user’s wallet is compromised. In this case, the information initially given to satisfy the Know Your Customer (KYC) details could be used to validate the user who can regain access to their wallet.

錢包設計的靈活性意味著錢包軟體的創建者或開發者可以將隱私資訊儲存在提供者處，以防用戶的錢包受到損害。在這種情況下，最初為滿足「了解您的客戶」(KYC) 詳細資訊而提供的資訊可用於驗證可以重新存取其錢包的用戶。

This could also reduce the chance of bad actors compromising the system and reducing trust in the wallets.

這還可以減少不良行為者破壞系統並降低對錢包的信任的機會。

If a CBDC protocol has been created and set for both KYC and anti-money laundering (AML) regulatory compliance, thresholds could be built into wallets so that if a pre-configured amount is exceeded, the wallet could automatically flag the transaction for AML and further checking.

如果已經為 KYC 和反洗錢 (AML) 監管合規性創建並設定了 CBDC 協議，則可以在錢包中內建閾值，這樣，如果超過預先配置的金額，錢包可以自動將交易標記為 AML 和進一步檢查。

If the wallet has built-in intelligent components, its software could detect if a user makes regular, smaller payments that are potentially suspicious and trigger AML notifications to the regulatory authorities.

如果錢包具有內建智慧組件，其軟體可以偵測用戶是否定期進行可能可疑的小額付款，並向監管機構觸發反洗錢通知。

To encourage fair markets and competition, it would be better to have many wallet providers who offer software wallets to consumers. Users can view their accounts through any vendor’s software wallet application.

為了鼓勵公平的市場和競爭，最好有許多錢包提供者向消費者提供軟體錢包。用戶可以透過任何供應商的軟體錢包應用程式查看他們的帳戶。

Using wallets as a commodity will eliminate the risk of customers losing money if the wallet software provider goes bankrupt or goes out of business for a different reason.

如果錢包軟體供應商因其他原因破產或倒閉，將錢包用作商品將消除客戶遭受損失的風險。

Using this model allows for competitive wallet development and product innovation, which ultimately leads to a better experience for consumers. With protocol standardization across wallets and interoperability features between different wallets, wallet providers can compete for customers’ business, which will lead to a better experience for all users.

使用這種模式可以實現有競爭力的錢包開發和產品創新，最終為消費者帶來更好的體驗。透過跨錢包的協議標準化和不同錢包之間的互通性功能，錢包提供者可以競爭客戶的業務，這將為所有用戶帶來更好的體驗。

Banks should allow their customers to access their bank accounts using any provider’s wallet they choose instead of restricting them to one bank-designed app, as is common across the current banking model. Making wallets open-source makes them available to all without compromising privacy.

銀行應該允許客戶使用他們選擇的任何提供者的錢包存取他們的銀行帳戶，而不是像當前銀行模式中常見的那樣將他們限制在一款銀行設計的應用程式上。錢包開源可以讓所有人都可以使用它們，而不會損害隱私。

Transferring limits could be managed centrally so that banks do not need to set their daily transfer limit at an amount, say, $15,000 per day. These limits could be set at the CBDC level or at the bank instead of at each wallet.

轉帳限額可以集中管理，這樣銀行就不需要將每日轉帳限額設定為每天 15,000 美元。這些限制可以在 CBDC 級別或銀行設置，而不是在每個錢包設置。

Setting limits centrally will ensure that wallets do not need additional complexity, and rules can be maintained equally for all.

集中設置限制將確保錢包不需要額外的複雜性，並且可以為所有人平等地維護規則。

Privacy mechanisms such as certificates could be stored offline so payments could still happen, even without online access.

證書等隱私機制可以離線存儲，因此即使沒有在線訪問，支付仍然可以進行。

Online payments could have built-in reference checks to guarantee their validity, and all privacy certificates for wallets will have immutable and traceable records stored in the blockchain.

線上支付可以內建參考檢查來保證其有效性，並且錢包的所有隱私證書都將在區塊鏈中儲存不可變且可追蹤的記錄。

With CBDCs, different wallets can be used to provide a view of funds at the bank and switching between wallets will be easy. This enables access to funds from backup wallets in case access to the primary wallet becomes unavailable.

借助 CBDC，可以使用不同的錢包來提供銀行資金的視圖，並且錢包之間的切換將很容易。這樣可以在無法存取主錢包的情況下從備用錢包存取資金。

Of course, this requires standardization across all wallets to ensure interoperability and the ability to easily transfer funds to wallets created by different providers. If a provider’s wallet goes offline for any reason or otherwise becomes unavailable, users should easily be able to transfer their funds to a different wallet.

當然，這需要所有錢包的標準化，以確保互通性以及輕鬆地將資金轉移到不同提供者創建的錢包的能力。如果提供者的錢包因任何原因離線或變得不可用，用戶應該能夠輕鬆地將資金轉移到其他錢包。

As money is central to our lives and digital payments are an increasingly common way of paying for goods and services through credit and debit cards, it makes sense to consider implementing a CBDC.

由於金錢是我們生活的核心，而數位支付是透過信用卡和金融卡支付商品和服務的越來越常見的方式，因此考慮實施 CBDC 是有意義的。

A significant requirement is that the core technology at the heart of the CBDC confirms with the governance requirements and that transactions are traceable and immutable. The BSV blockchain already guarantees immutability and, with potentially unlimited scale, is primed to become the engine for CBDCs across the world.

一個重要的要求是 CBDC 的核心技術符合治理要求，並且交易是可追蹤和不可變的。 BSV 區塊鏈已經保證了不變性，並且具有潛在的無限規模，有望成為全球 CBDC 的引擎。