以太坊在全球金融中的作用：從DEFI到CBDC和跨境支付

以太坊長期以來一直是加密貨幣領域的主要參與者，不僅是分散的數字資產，而且還作為整個分散財務（DEFI）生態系統的基礎。

Sure, here is a shorter version of the article on Ethereum's role in global finance, focusing on its potential to transform cross-border payments:

當然，這是有關以太坊在全球金融中作用的文章的較短版本，重點是轉變跨境支付的潛力：

Ethereum, the second-largest cryptocurrency by market capitalization, is not only a decentralized digital asset but also the foundation of an entire decentralized financial (DeFi) ecosystem. While Bitcoin remains the dominant cryptocurrency in terms of store of value, Ethereum is making its mark as the potential backbone of global finance.

以太坊是市場資本化的第二大加密貨幣，不僅是分散的數字資產，而且是整個分散財務（DEFI）生態系統的基礎。儘管比特幣在價值存儲方面仍然是主要的加密貨幣，但以太坊卻將其標記為全球金融的潛在骨幹。

One of the key innovations that has placed Ethereum at the forefront of the future of finance is Decentralized Finance (DeFi). DeFi applications, built on Ethereum’s blockchain, aim to replace traditional financial intermediaries such as banks, brokers, and exchanges with smart contracts. These smart contracts allow for the creation of financial products and services that are accessible, transparent, and decentralized.

將以太坊置於財務未來的最前沿的主要創新之一是分散的金融（DEFI）。 DEFI應用程序建立在以太坊的區塊鏈上，旨在用智能合約替代傳統金融中介機構，例如銀行，經紀人和交易所。這些智能合約允許創建可訪問，透明和分散的金融產品和服務。

From lending and borrowing platforms like Aave and Compound to decentralized exchanges (DEXs) like Uniswap and SushiSwap, Ethereum powers a thriving DeFi ecosystem with billions in total value locked (TVL). As of 2024, Ethereum remains the leading platform for DeFi development, with countless decentralized protocols enabling users to lend, borrow, trade, and earn interest without relying on banks or centralized authorities.

從借用和借貸平台（例如AAVE和COMPOUND）到Uniswap和Sushiswap等分散交易所（DEX），以太坊都可以為數十億個總價值鎖定（TVL）的蓬勃發展的Defi生態系統提供權力。截至2024年，以太坊仍然是Defi開發的領先平台，無數分散的協議使用戶能夠在不依賴銀行或中央政府的情況下借入，借用，貿易和賺取利息。

Another area where Ethereum is poised to have a transformative impact on global finance is in the realm of cross-border payments. Traditional methods of international money transfers, such as those through SWIFT or money transfer services like Western Union, are slow, costly, and often require intermediary banks.

以太坊有望對全球金融產生變革性影響的另一個領域是跨境支付領域。傳統的國際貨幣轉移方法，例如通過迅速或匯款服務（如西聯匯款）的速度較慢，昂貴，通常需要中間銀行。

Ethereum’s ability to enable near-instantaneous and low-cost transactions makes it a viable alternative for cross-border payments. Moreover, Ethereum’s Layer-2 solutions, which are designed to improve scalability and reduce fees, could further enhance the efficiency of cross-border transactions.

以太坊能夠實現近乎實用和低成本交易的能力使其成為跨境支付的可行替代方案。此外，旨在提高可擴展性和降低費用的以太坊2層解決方案可以進一步提高跨境交易的效率。

This is particularly important for developing countries, where remittances make up a significant portion of the GDP. With Ethereum, remittance services can become faster, more affordable, and more accessible to a global audience. This opens up opportunities for global financial inclusion.

這對於發展中國家尤其重要，在發展中國家，匯款佔GDP的很大一部分。借助以太坊，匯款服務可以變得更快，更實惠，並且更容易被全球受眾訪問。這為全球金融包容性打開了機會。

As Ethereum continues to scale and evolve, its role in global finance is only set to increase. The network is undergoing significant technical upgrades—such as sharding, Layer-2 solutions, and improved transaction throughput—that will allow it to handle an increasing volume of transactions, all while maintaining security and decentralization.

隨著以太坊繼續擴展和發展，其在全球金融中的作用只會增加。該網絡正在進行大量的技術升級，例如碎片，第2層解決方案和改進的交易吞吐量，這將允許其處理越來越多的交易，同時保持安全性和分散性。

Looking ahead, Ethereum could become the backbone for a variety of financial applications, from asset tokenization and digital identity solutions to crowdfunding and supply chain management. Ethereum’s ability to tokenize assets, including real estate, stocks, and bonds, could enable a more efficient, transparent, and accessible financial system.

展望未來，以太坊可能成為各種財務應用的骨幹，從資產令牌化和數字身份解決方案到眾籌和供應鏈管理。以太坊有能力將房地產，股票和債券在內的資產化，可以使更有效，透明和可訪問的金融體系。

As Ethereum’s capabilities grow and its ecosystem continues to expand, the blockchain could play a key role in reshaping the global financial system—facilitating cross-border payments, offering financial services to the unbanked, supporting decentralized markets, and bridging the gap between traditional finance and the new digital economy.

隨著以太坊的能力增長及其生態系統的不斷擴大，區塊鏈可能在重塑全球金融體系中發揮關鍵作用，即促進跨境支付，為無障礙，支持分散的市場提供金融服務，並彌合傳統金融與傳統金融和差距之間新的數字經濟。

However, Ethereum still faces several challenges, including scalability and high gas fees. Additionally, regulatory uncertainty continues to loom over Ethereum and the broader cryptocurrency space. But with its strong developer community, consistent network upgrades, and increasing institutional involvement, Ethereum is well-positioned to remain a dominant player in global finance for years to come.

但是，以太坊仍然面臨一些挑戰，包括可伸縮性和高氣費。此外，監管不確定性在以太坊和更廣泛的加密貨幣空間上繼續存在。但是，憑藉其強大的開​​發人員社區，一致的網絡升級以及不斷增加的機構參與，以太坊憑位置良好，可以在未來幾年中成為全球金融的主要參與者。