CBDC 即將到來：公共區塊鏈可以削弱鋒芒

正如這項德國調查和無數其他調查所顯示的那樣，隱私權是對 CBDC 持謹慎態度的公民最關心的問題之一。隨之而來的是對政府控制的恐懼

Most Germans have never heard of the digital euro, and of those who have, many think it will replace cash.

大多數德國人從未聽說過數位歐元，而對於聽說過的人來說，許多人認為它將取代現金。

A recent survey of 2,012 people conducted by the Deutsche Bundesbank showed that three in five had never heard, read, or seen anything about the digital euro. Only 17% were able to correctly identify that it was a Eurosystem digital currency that would be available alongside other forms of money.

德意志聯邦銀行最近對 2,012 人進行的一項調查顯示，五分之三的人從未聽說過、讀過或見過有關數位歐元的任何內容。只有 17% 的人能夠正確識別它是一種歐元體系數位貨幣，可以與其他形式的貨幣一起使用。

Of those who had heard of it, roughly 30% mistakenly believed it was meant to replace cash or that cash would be abolished if it was introduced.

在聽說過它的人中，大約 30% 的人錯誤地認為它是為了取代現金，或者如果引入現金就會被廢除。

Roughly half of respondents said they would “definitely” or “probably” use it, and just under half said they would “definitely” or “probably” not. Around 1% said they didn’t know.

大約一半的受訪者表示他們「肯定」或「可能」使用它，不到一半的受訪者表示他們「肯定」或「可能」不會使用它。大約 1% 的人表示他們不知道。

Privacy is once again the biggest concern

隱私再次成為最大的擔憂

In what is becoming a predictable trend, the Bundesbank survey found that privacy was the biggest concern regarding the digital euro. 75% of respondents rated it ‘important’ or ‘very important.’

德國央行的調查發現，隱私權是數位歐元最大的擔憂，這一趨勢已成為可預測的趨勢。 75% 的受訪者認為其「重要」或「非常重要」。

Other prominent concerns were that the euro CBDC should run on European infrastructure (72%) and that you can pay with it offline without an internet connection (59%).

其他突出的擔憂是歐元 CBDC 應該在歐洲基礎設施上運行（72％），並且您可以在沒有網路連線的情況下使用它進行離線支付（59％）。

The European Central Bank (ECB) claims the digital euro can be used offline and that “transaction details would only be known to the payer and the payee.” As of now, the European CBDC is still in the design and testing phase, and while many expect it in 2025, the Bundesbank president is skeptical about this timeline.

歐洲中央銀行（ECB）聲稱數位歐元可以離線使用，並且「交易細節只有付款人和收款人知道」。截至目前，歐洲 CBDC 仍處於設計和測試階段，儘管許多人預計在 2025 年實現，但德國央行行長對這一時間表表示懷疑。

In addition to the concerns of citizens, banks and economists have expressed concern about the potential for financial disintermediation should CBDCs become ubiquitous.

除了公民的擔憂之外，銀行和經濟學家也對 CBDC 普及後可能出現的金融脫媒表示擔憂。

While some say commercial banks are merely fearmongering to protect their interests, some economists are concerned about unpredictable economic consequences if bank deposits are reduced. In Germany, another Bundesbank report estimates that 10% of all money could end up in the digital euro.

雖然有人說商業銀行只是為了保護自己的利益而散播恐慌，但一些經濟學家擔心，如果銀行存款減少，將會產生不可預測的經濟後果。在德國，德國央行的另一份報告估計，所有資金的 10% 最終可能會流入數位歐元。

CBDCs are coming: A public blockchain can blunt the sharp edges

CBDC 即將到來：公共區塊鏈可以鈍化鋒利的邊緣

As this German survey and countless others show, privacy is one of the top concerns of citizens wary of CBDCs. With that comes a fear of government control and the state’s ability to track and trace citizens’ financial activities and even freeze/stop payments it does not approve of.

正如這項德國調查和無數其他調查所顯示的那樣，隱私權是對 CBDC 持謹慎態度的公民最關心的問題之一。隨之而來的是對政府控制以及國家追蹤和追蹤公民金融活動的能力的恐懼，甚至凍結/停止其不批准的付款的能力。

Yet, despite these concerns, CBDCs are coming. It seems that every week, CoinGeek reports on another country’s pilot program, test, or cooperation with other countries to make CBDCs work. Countries from China to Israel to the Bahamas and beyond are either rolling out or designing digital national currencies.

然而，儘管存在這些擔憂，CBDC 仍即將到來。 CoinGeek 似乎每週都會報導另一個國家為使 CBDC 發揮作用而進行的試點計劃、測試或與其他國家的合作。從中國到以色列再到巴哈馬等國家都在推出或設計數位國家貨幣。

One thing they all have in common is that they run on private ledgers created by central banks and international institutions like the Bank for International Settlements (BIS). This only exacerbates fears about government control and financial spying.

它們的一個共同點是它們都在由中央銀行和國際清算銀行（BIS）等國際機構創建的私人分類帳上運作。這只會加劇人們對政府控制和金融間諜活動的擔憂。

The solution is to run CBDCs on a scalable public blockchain that no single party controls. Doing so would ensure financial transparency works both ways and remove transaction censorship and interference from the hands of any single entity. While court orders could be issued to freeze the funds of terrorists and criminal gangs, small, casual transactions and micropayments would be beyond their reach, and the sheer volume of transactions would make tracking and tracing everyone’s activity practically impossible.

解決方案是在不受任何一方控制的可擴展公共區塊鏈上運行 CBDC。這樣做將確保財務透明度雙向發揮作用，並消除任何單一實體手中的交易審查和乾擾。雖然法院可以下令凍結恐怖分子和犯罪團伙的資金，但小額、隨意交易和小額支付將超出他們的能力範圍，而且交易量之大將使得跟踪和追查每個人的活動幾乎是不可能的。

If CBDCs are to become a reality, and it seems they will, they should run on a scalable public blockchain with no central authority controlling the nodes. The BSV Blockchain has the tools to allow programmable money at scale.

如果 CBDC 要成為現實（而且似乎會成為現實），它們應該在可擴展的公共區塊鏈上運行，沒有中央機構控制節點。 BSV 區塊鏈擁有允許大規模可程式貨幣的工具。

To learn more about central bank digital currencies and some of the design decisions that need to be considered when creating and launching it, read nChain’s CBDC playbook.

要了解有關中央銀行數位貨幣以及創建和啟動它時需要考慮的一些設計決策的更多信息，請閱讀 nChain 的 CBDC 手冊。