金管局區塊鏈指南警惕風險，倡導原創比特幣解決方案

香港金融管理局（金管局）向銀行發布了使用區塊鏈技術的指南，識別潛在風險並強調進行個人化評估的必要性。金管局承認與公共區塊鏈相關的潛在風險，例如不可信的驗證者和網路分叉，但強調了透過零知識證明和鏈下解決方案等措施減輕這些風險的重要性。然而，這篇評論文章認為，許多這些感知到的風險都可以透過原始比特幣協議的設計來解決，其中包括可識別的驗證器、對分叉和 51% 攻擊的抵抗力以及高交易能力。

HKMA Guidance on Blockchain Technology: Mitigating Risks and Exploring the Original Bitcoin Solution

香港金管局區塊鏈技術指引：降低風險並探索原始比特幣解決方案

The Hong Kong Monetary Authority (HKMA) recently issued comprehensive guidance to banks on leveraging blockchain technology while emphasizing the importance of diligent risk assessment and mitigation strategies.

香港金融管理局（金管局）最近向銀行發布了利用區塊鏈技術的全面指南，同時強調了認真進行風險評估和緩解策略的重要性。

Key Risks Identified by HKMA

金管局識別的主要風險

The HKMA highlighted several potential risks associated with public blockchain usage, including:

金管局強調了與公共區塊鏈使用相關的幾個潛在風險，包括：

• Pseudonymous Validators: The reliance on unidentified validators can compromise trust and introduce potential security vulnerabilities.
• Malicious Actors: Bad actors can exploit blockchain vulnerabilities to gain unauthorized access to sensitive information.
• Network Forks: Blockchain forks can disrupt network operations and potentially lead to data loss or corruption.
• 51% Attacks: Malicious actors can take control of a blockchain network by acquiring a majority of computing power, enabling them to manipulate transactions or block access.
• Network Congestion: Surge in transaction volume can slow down network processing, potentially impacting business operations.
• Network Failure: System failures or disruptions can temporarily or permanently compromise network functionality, leading to data loss or service outages.

Mitigation Strategies

假名驗證者：對身份不明的驗證者的依賴可能會損害信任並引入潛在的安全漏洞。分叉可能會破壞網路操作，並可能導致資料遺失或腐敗。激增可能會減慢網路處理速度，可能會影響業務營運。

The HKMA emphasized the need for banks to implement robust risk management frameworks when exploring blockchain solutions. It recommended various mitigation measures, including:

金管局強調銀行在探索區塊鏈解決方案時需要實施穩健的風險管理架構。它建議了各種緩解措施，包括：

• Zero-Knowledge Proofs (ZKPs): Using ZKPs can safeguard sensitive information by allowing users to prove knowledge of data without revealing it.
• Off-Chain Solutions: Storing sensitive information off-chain, such as on Overlay Networks, can reduce the risk of malicious access.

Original Bitcoin Protocol as a Comprehensive Solution

零知識證明(ZKP)：使用ZKP 可以讓使用者在不洩露資料的情況下證明資料知識，從而保護敏感資訊。的風險access.原始比特幣協議作為綜合解決方案

While reviewing the HKMA guidance, it becomes evident that many perceived risks of public blockchains stem from the flawed design and architecture of prevalent blockchain solutions in the market.

在審查香港金管局的指導意見時，很明顯，公共區塊鏈的許多感知風險源於市場上流行的區塊鏈解決方案的設計和架構缺陷。

Interestingly, the original Bitcoin protocol, as envisioned by Satoshi Nakamoto, was purposefully designed to address monetary transfers and mitigate the risks identified by the HKMA.

有趣的是，正如中本聰所設想的，最初的比特幣協議是有目的地設計的，旨在解決貨幣轉移問題並減輕金管局發現的風險。

Key Advantages of the Original Bitcoin Protocol

原始比特幣協議的主要優勢

• Identifiable Validators: The proof-of-work consensus mechanism ensures that all nodes on the Bitcoin network are identifiable, eliminating the issue of pseudonymous validators and enhancing trust.
• Fork Resistance: The Bitcoin network's design inherently prevents forks, ensuring data integrity and continuity.
• 51% Attack Immunity: The Bitcoin network's decentralized nature makes it highly resistant to 51% attacks, ensuring the reliability of the blockchain.
• Scalability: With the implementation of Teranode, the Bitcoin network is capable of processing over one million transactions per second, addressing the concerns of network congestion.
• Data Inclusivity: The Bitcoin script and restored opcodes enable the recording of complex transactions, such as invoices, bills, and receipts, making it suitable for global commerce.

Conclusion

可識別的驗證者：工作量證明共識機制確保比特幣網路上的所有節點都是可識別的，消除了假名驗證者的問題並增強了信任。分叉，確保資料的完整性和連續性。 Teranode 的實施，比特幣網路每秒能夠處理超過100 萬筆交易，解決了人們的擔憂資料包容性：比特幣腳本和恢復的操作碼可以記錄複雜的交易，例如發票、帳單和收據，使其適合全球商業。

The HKMA's guidance on blockchain technology is a valuable resource for banks exploring the use of this transformative technology. However, it's essential to recognize that many perceived risks can be mitigated by embracing the original Bitcoin protocol.

金管局關於區塊鏈技術的指南對於探索使用這項變革性技術的銀行來說是寶貴的資源。然而，必須認識到，許多已知的風險可以透過採用原始的比特幣協議來減輕。

With its robust design, identifiable validators, fork resistance, and scalability, the original Bitcoin protocol provides a comprehensive solution to the challenges identified by the HKMA. By leveraging this foundational technology, banks can fully harness the benefits of blockchain while ensuring the security and integrity of their systems.

憑藉其穩健的設計、可識別的驗證器、抗分叉性和可擴展性，原始的比特幣協議為金管局提出的挑戰提供了全面的解決方案。透過利用這項基礎技術，銀行可以充分利用區塊鏈的優勢，同時確保其係統的安全性和完整性。

As global monetary authorities continue to delve into the realm of blockchain technology, it is imperative to acknowledge the superiority of the original Bitcoin protocol and its ability to address the concerns raised by regulators. By embracing this fundamental solution, banks and other financial institutions can pave the way for a secure and innovative blockchain-driven future.

隨著全球貨幣當局繼續深入研究區塊鏈技術領域，必須承認原始比特幣協議的優越性及其解決監管機構提出的擔憂的能力。透過採用這項基本解決方案，銀行和其他金融機構可以為安全和創新的區塊鏈驅動的未來鋪平道路。