SAFU：加密貨幣領域使用者安全資產基金的概念

在安全和信任通常是最受關注的世界中，尤其是在加密貨幣領域，SAFU（用戶安全資產基金）的概念是一項天才創新。

In the world of cryptocurrency, where security and trust are paramount concerns, the concept of SAFU (Secure Asset Fund for Users) has emerged as a brilliant innovation. This guide delves into the idea of SAFU and explores its impact on the cryptocurrency landscape.

在安全和信任至關重要的加密貨幣世界中，SAFU（用戶安全資產基金）的概念作為一項輝煌的創新應運而生。本指南深入探討了 SAFU 的理念，並探討了它對加密貨幣格局的影響。

What is a Secure Asset Fund for Users (SAFU)?

什麼是使用者安全資產基金 (SAFU)？

Anyone who has ventured into the realm of cryptocurrency investment is well aware of the inherent volatility that can plague the market. The occasional presence of hacks and scams is a bitter pill to swallow, especially when an investor can go from boasting a thriving portfolio to hearing news about stolen funds in a matter of moments. This is where the concept of SAFU comes into play.

任何涉足加密貨幣投資領域的人都清楚地意識到可能困擾市場的固有波動性。偶爾出現的駭客和詐騙行為是一粒難以下嚥的苦果，尤其是當投資者可以從吹噓自己的投資組合欣欣向榮，轉眼間就聽到有關資金被盜的消息時。這就是 SAFU 概念發揮作用的地方。

SAFU is an acronym that stands for Secure Asset Fund for Users. It refers to an emergency reserve fund that is designed to protect investors' funds on the cryptocurrency exchange Binance. The money held in this fund acts as insurance to reimburse investors in the unfortunate event that they lose their digital assets due to hacking or any other incident at the exchange that could lead to the loss of user funds. Think of it as a sort of crypto piggy bank.

SAFU 是用戶安全資產基金的縮寫。它是指旨在保護加密貨幣交易所幣安投資者資金的緊急儲備基金。該基金中持有的資金可作為保險，當投資者因駭客攻擊或交易所任何其他可能導致用戶資金損失的事件而失去數位資產的不幸事件時，向投資者提供補償。將其視為一種加密貨幣存錢筒。

The Origin of SAFU

SAFU的由來

The idea of SAFU came about after Binance suffered a major security breach. According to the founder and former CEO Changpeng Zhao (CZ), the fund would be used. “To protect the future interests of all users, Binance will create a Secure Asset Fund for Users (SAFU). Starting from 2018/07/14, we will allocate 10% of all trading fees received into SAFU to offer protection to our users and their funds in extreme cases. This fund will be stored in a separate cold wallet.”

SAFU 的想法是在幣安遭遇重大安全漏洞後產生的。據創始人兼前執行長趙長鵬（CZ）透露，該基金將被使用。 「為了保護所有用戶的未來利益，幣安將創建用戶安全資產基金（SAFU）。從2018年7月14日開始，我們將把收到的所有交易費用的10%撥入SAFU，以在極端情況下為我們的用戶及其資金提供保護。這筆資金將存放在一個單獨的冷錢包中。

Announced on July 3, 2018, the idea of SAFU didn't originate in a company boardroom meeting. Funnily enough, this serious security measure arose from a joke. During the unfortunate hacking incident, CZ had tweeted “Funds are safe” during a maintenance exercise. A YouTube user turned this tweet into a viral video dubbed “Funds are SAFU.” Cryptocurrency exchange Binance played around with this joke that became a meme movement, turning it into serious business. Changpeng Zhao decided to keep the humor alive and adopted the phrase “SAFU” in later social media posts, and just like that, it became a serious security movement.

SAFU於2018年7月3日宣布，其想法並非源自於公司董事會會議。有趣的是，這項嚴肅的安全措施源自於一個笑話。在不幸的駭客事件中，CZ 在一次維護活動中發布了「資金安全」的推文。一位 YouTube 用戶將這條推文變成了一個名為「Funds are SAFU」的病毒影片。加密貨幣交易所幣安玩了這個玩笑，後來演變成了一場迷因運動，並將其變成了嚴肅的生意。趙長鵬決定繼續保持幽默，並在後來的社交媒體帖子中採用了“SAFU”一詞，就這樣，它成為了一場嚴肅的安全運動。

How Does SAFU Work?

SAFU 如何運作？

Binance created the Secure Asset Fund for Users in 2018, at a time when crypto exchange hacks and user fund security were a serious concern. The initiative was designed to ensure that no matter what happened to the exchange, every user would be calm, knowing that their funds or assets were insured. The fund allocates 10% of the exchange's income in terms of trading fees to provide insurance against any potential security breach.

幣安於 2018 年創建了用戶安全資產基金，當時加密貨幣交易所駭客攻擊和用戶資金安全是一個嚴重問題。該舉措旨在確保無論交易所發生什麼情況，每個用戶都會保持冷靜，因為他們知道自己的資金或資產已獲得保險。該基金將交易所收入的 10% 用於交易費用，以針對任何潛在的安全漏洞提供保險。

Binance stores the SAFU funds in secure hard wallets that would only be assessed during extreme emergencies. The fund aims to show that Binance is committed to securing users’ interests and, therefore, keeping their trust. For example, during a well-documented security breach on the Binance exchange in 2019, hackers made away with 7,000 Bitcoins worth at least $40 million at the time. The hackers used advanced techniques like malware and phishing to bypass Binance's security and compromise their hot wallets. However, SAFU was activated and reimbursed every user, meaning that the exchange took care of the matter without customers feeling the pinch.

幣安將 SAFU 資金儲存在安全的硬錢包中，只有在極端緊急情況下才會對其進行評估。該基金旨在表明幣安致力於保護用戶的利益，從而保持他們的信任。例如，在 2019 年幣安交易所發生的一次有據可查的安全漏洞中，駭客盜走了 7,000 個比特幣，當時價值至少 4,000 萬美元。駭客使用惡意軟體和網路釣魚等先進技術來繞過幣安的安全性並破壞他們的熱錢包。然而，SAFU 被啟動並為每個用戶提供補償，這意味著交易所在沒有讓客戶感到壓力的情況下解決了這個問題。

How has SAFU Influenced the Crypto Industry?

SAFU 對加密貨幣產業有何影響？

While an increasing number of enthusiasts are still entering the crypto space as digital assets become increasingly popular, there are not yet many cryptocurrency exchanges that practice the SAFU concept. In order to attract institutional investors who are joining the digital asset bandwagon, there’s talk within the industry for qualified custodians and insurance providers to create policies to cover the theft of cryptocurrencies. Some cryptocurrency exchanges have put in place policy frameworks to try and address such eventualities, but they fall short of the large amounts traded within the crypto ecosystem.

儘管隨著數位資產變得越來越流行，越來越多的愛好者仍在進入加密貨幣領域，但實踐 SAFU 理念的加密貨幣交易所還不多。為了吸引加入數位資產潮流的機構投資者，業內正在討論合格的託管人和保險提供者制定政策來應對加密貨幣被盜的情況。一些加密貨幣交易所已經制定了政策框架來嘗試解決此類可能性，但它們未能滿足加密生態系統內的大量交易。

BitGo offers a $100M policy for hacks, while Coincover proposes a $200M policy covering security breaches. Apparently, there’s just about $1 billion in terms of insurance policies circa $300 billion worth of digital assets in circulation. As the insurance industry struggles with the concept of preparing policies relevant to the crypto sector, SAFU happens to be the stop-gap measure of the moment. After Binance introduced its Secure Asset Fund for Users, a few other crypto exchanges have come up with similar concepts. They include:

BitGo 提供 1 億美元的駭客政策，而 Coincover 則提出 2 億美元的安全漏洞政策。顯然，流通中的數位資產價值約 3,000 億美元，保單價值約為 10 億美元。當保險業在製定與加密貨幣行業相關的保單的概念時遇到困難，SAFU 恰好是當前的權宜之計。在幣安推出用戶安全資產基金後，其他一些加密貨幣交易所也提出了類似的概念。它們包括：

Bitfinex: The Bitfinex Insurance Fund covers user funds in the event of unforeseen losses. This happened following a major hacking incident in 2016.

Bitfinex：Bitfinex 保險基金在發生不可預見的損失時為用戶資金提供保障。這是在 2016 年發生重大駭客事件之後發生的。

OKX: Cryptocurrency exchange OKX runs a Risk Reserve Fund that ensures users’ funds are secured against market anomalies or security breaches.

OKX：加密貨幣交易所 OKX 運作風險儲備基金，確保用戶的資金免受市場異常或安全漏洞的影響。

KuCoin: Crypto exchange KuCoin operates a User Protection Fund that launched in 2020 after suffering a

KuCoin：加密貨幣交易所 KuCoin 經營著一項用戶保護基金，該基金在遭受了用戶保護基金的打擊後於 2020 年推出。