CBDC 透明度：不是解決加密貨幣問題的靈丹妙藥

央行數位貨幣（CBDC）因其潛在風險而引發擔憂。政策制定者探索了開源編碼，以提高透明度並贏得公眾信任。儘管透明度很有價值，但它並不能解決 CBDC 帶來的根本挑戰。開放原始碼有其局限性，巴西、挪威和美國的例子證明了這一點。它不能保證對透明度的長期承諾或防止政府濫用該技術。 CBDC 的核心問題仍然是其過度中心化的可能性，從而賦予政府前所未有的權力來控制公民的經濟選擇。

Central Bank Digital Currencies: Transparency Not a Cure-All for Concerns

央行數位貨幣：透明度並不是解決問題的靈丹妙藥

Amidst growing skepticism surrounding central bank digital currencies (CBDCs), policymakers have turned their attention to open-source coding as a potential avenue for fostering transparency and building public trust. However, experts caution that transparency alone is insufficient to address the inherent risks associated with CBDCs.

隨著人們對央行數位貨幣（CBDC）的懷疑日益增加，政策制定者已將注意力轉向開源編碼，將其視為提高透明度和建立公眾信任的潛在途徑。然而，專家警告說，僅靠透明度不足以解決與 CBDC 相關的固有風險。

Transparency: A Double-Edged Sword

透明度：一把雙面刃

Open-source coding, a practice of publicly disclosing the source code behind a project, provides several advantages. It enables external audits, exposing potential vulnerabilities and malicious intent. For instance, Bitcoin's open-source code allows users to verify its finite supply cap, fostering trust in the integrity of the system.

開源編碼是一種公開披露專案背後的原始程式碼的做法，具有多種優勢。它支援外部審計，暴露潛在的漏洞和惡意意圖。例如，比特幣的開源程式碼允許用戶驗證其有限的供應上限，從而增強對系統完整性的信任。

However, open-source coding also has limitations, particularly in the context of CBDCs. As evidenced by Brazil's experience, the source code revealed embedded surveillance and control mechanisms, raising concerns about government overreach. Unlike decentralized cryptocurrencies, CBDC users have limited recourse against such centralized control.

然而，開源編碼也有局限性，特別是在 CBDC 的背景下。正如巴西的經驗所證明的那樣，原始碼揭示了嵌入式監視和控制機制，引發了人們對政府過度幹預的擔憂。與去中心化加密貨幣不同，CBDC 使用者對此集中控制的追索權有限。

Lessons from U.S. Code and Norway

美國法典和挪威法典的經驗教訓

The U.S. code exemplifies the inadequacy of transparency alone. Despite the detailed documentation of financial privacy exceptions, the government retains broad authority to disregard citizens' privacy rights. Similarly, Norway's central bank initially published its CBDC code but later indicated that open-source principles may not be permanent, highlighting the potential for arbitrary shifts in policy.

美國法規本身就體現了透明度的不足。儘管有詳細的財務隱私例外記錄，政府仍保留廣泛的權力來無視公民的隱私權。同樣，挪威央行最初發布了其 CBDC 代碼，但後來表示開源原則可能不是永久性的，這凸顯了政策任意轉變的可能性。

Federal Reserve's Ambiguous Stance

聯準會的模糊的立場

The Federal Reserve's involvement in CBDC research, including the open-source "Project Hamilton," has further underscored the limitations of transparency. Despite the project's results, the Fed remains unbound by any obligation to adopt an open-source model, demonstrating the tenuous nature of such commitments.

聯準會參與 CBDC 研究，包括開源的“漢密爾頓計劃”，進一步凸顯了透明度的局限性。儘管該專案取得了成果，但聯準會仍然不受任何採用開源模式的義務的約束，這表明了此類承諾的脆弱性。

The Core Problem: Centralization

核心問題：中心化

Despite the allure of transparency, the fundamental issue with CBDCs remains their inherent centralization. By placing monetary power in the hands of governments, CBDCs risk granting them unprecedented control over citizens' economic choices. This raises concerns about the erosion of financial privacy, the suppression of competition, and the potential for government coercion.

儘管透明度具有吸引力，但 CBDC 的根本問題仍然是其固有的中心化。透過將貨幣權力交到政府手中，CBDC 可能會賦予政府對公民經濟選擇前所未有的控制權。這引發了人們對金融隱私受到侵蝕、競爭受到壓制以及政府脅迫的可能性的擔憂。

Decentralized Cryptocurrencies: A Different Paradigm

去中心化加密貨幣：不同的範式

Decentralized cryptocurrencies offer a stark contrast to CBDCs. Their open-source nature allows for transparency, but more importantly, it empowers individuals to act on that information. This has fostered a revolution in financial thinking and given individuals unprecedented control over their own funds.

去中心化加密貨幣與 CBDC 形成鮮明對比。它們的開源性質允許透明度，但更重要的是，它使個人能夠根據這些資訊採取行動。這引發了金融思維的革命，並使個人對自己的資金擁有前所未有的控制權。

Conclusion

結論

Transparency is a valuable tool, but it cannot single-handedly resolve the concerns surrounding CBDCs. The underlying issue is the centralization of monetary power, which poses a threat to individual liberty. Policymakers must prioritize decentralized solutions that empower citizens and limit government overreach rather than relying solely on transparency measures.

透明度是一個有價值的工具，但它無法單槍匹馬解決圍繞 CBDC 的擔憂。根本問題是貨幣權力的集中化，對個人自由構成了威脅。政策制定者必須優先考慮賦予公民權力並限制政府越權的去中心化解決方案，而不是僅僅依賴透明度措施。

The views and opinions expressed in this article are those of the author and do not necessarily reflect the views of Cointelegraph.

本文所表達的觀點和意見僅代表作者的觀點，不一定反映Cointelegraph的觀點。