WorldCoin vs以太坊：哪一個更好地使加密貨幣成為現實？

不久前，我試圖向以前從未使用過加密貨幣的朋友解釋以太坊的財務可訪問性。他的回答？

A while back, I was trying to explain Ethereum financial accessibility to a friend who'd never used crypto before. When I finished describing how you'd need to set up a wallet, pay gas fees, and understand smart contracts, his response was simply, "Wait, so I need to do all that… just to move my own money?"

不久前，我試圖向以前從未使用過加密貨幣的朋友解釋以太坊財務可訪問性。當我完成描述您需要如何設置錢包，支付汽油費和理解智能合約時，他的回答簡直就是：“等等，所以我需要做所有這些……只是為了搬我自己的錢嗎？”

It was then that it really hit me—for all its might, Ethereum is still not exactly beginner-friendly. Now, I'm not saying that's a bad thing. We need institutions like Ethereum, with their massive DeFi presence and potential for institutional integration, to create the backbone of the crypto economy.

那時，它確實打動了我 - 因為所有的力量，以太坊仍然並不完全友好。現在，我並不是說那是一件壞事。我們需要像以太坊這樣的機構，具有巨大的挑戰和製度一體化的潛力，以創造加​​密經濟的骨幹。

But if we're talking about crypto for financial inclusion, we also need something else. We need a technology that can be accessed by billions of people, regardless of their technical expertise or location.

但是，如果我們談論的是用於財務包容的加密貨幣，我們也需要其他一些東西。無論他們的技術專業知識如何，我們都需要數十億人可以訪問的技術。

This brings us to the big question: Worldcoin vs Ethereum—which one is better at making crypto for financial inclusion a reality? Both take different approaches, and depending on what you value most—decentralized finance for global access or a seamless user experience—your answer may vary.

這使我們提出了一個大問題：WorldCoin vs以太坊（Ethereum），這更好地將加密貨幣推廣成為現實？兩者都採用不同的方法，並且取決於您最重視的方法（用於全局訪問或無縫用戶體驗的分節化財務）可能會有所不同。

Ethereum: The Financial Giant with Unmatched Liquidity

以太坊：無與倫比流動性的金融巨頭

If you're looking for a deep ecosystem of lending platforms, liquidity pools, or Ethereum DeFi solutions that rival traditional banks, then we're in agreement.

如果您正在尋找與傳統銀行相媲美的貸款平台，流動性池或以太坊defi解決方案的深層生態系統，那麼我們一致。

I've personally used Ethereum-based apps to borrow against my crypto holdings without ever talking to a bank—something completely unthinkable just a decade ago.

我親自使用基於以太坊的應用程序借用了我的加密貨幣持有的借款，而無需與銀行交談，這是十年前完全無法想像的。

Now, to understand why Ethereum is often touted as the best crypto for financial inclusion, we need to consider several key factors.

現在，要了解為什麼以太坊經常被吹捧為金融包容性的最佳加密貨幣，我們需要考慮一些關鍵因素。

The Importance of Scaling Solutions and Gas Fees

擴展解決方案和汽油費的重要性

We've seen a huge improvement in Ethereum financial accessibility with the advent of Layer 2 networks like Arbitrum and Optimism. These scaling solutions significantly reduce gas fees and make transactions more affordable, especially for smaller amounts.

隨著第2層網絡（如仲裁和樂觀）的出現，我們已經看到以太坊財務可訪問性的巨大改善。這些擴展解決方案可顯著降低汽油費，並使交易更實惠，尤其是對於較小的量。

However, even with Layer 2s, gas fees and transaction costs remain a point of contention, especially in comparison to centralized financial systems.

但是，即使有第2層，汽油費和交易成本仍然是爭論的點，尤其是與集中財務系統相比。

Furthermore, the technical knowledge required to navigate the Ethereum ecosystem can be daunting for newcomers. Setting up a wallet, understanding gas fees, and interacting with DeFi protocols all present learning curves that might discourage less tech-savvy users.

此外，瀏覽以太坊生態系統所需的技術知識對於新移民來說可能是令人生畏的。設置錢包，了解汽油費以及與Defi協議進行互動，所有目前的學習曲線可能會阻止較少的技術用戶。

The Best Crypto for Financial Inclusion Needs Liquidity

金融包容性的最佳加密貨幣需要流動性

But where Ethereum lacks in user-friendliness, it more than makes up for it in liquidity and DeFi integration.

但是，在以太坊缺乏用戶友好性的地方，它不僅僅彌補了流動性和挑戰整合。

From Uniswap's decentralized exchange to Aave's lending platform, the Ethereum DeFi ecosystem is unmatched in terms of the variety and depth of its financial solutions.

從UNISWAP的分散交易所到AAVE的貸款平台，以太坊Defi生態系統在其金融解決方案的多樣性和深度方面都無與倫比。

This liquidity is crucial for enabling large-scale financial access. With billions of unbanked individuals globally, we need a financial system that can handle massive numbers of users without compromising on speed or efficiency.

這種流動性對於實現大規模財務通道至關重要。在全球數十億個無銀行的個人中，我們需要一個金融系統，該財務系統可以處理大量用戶，而不會損害速度或效率。

The promise of interoperability and smart contracts also allows for seamless cross-border payments, microfinance options, and new types of financial products—all powered by a decentralized and transparent network.

互操作性和智能合約的承諾還允許無縫的跨境支付，小額信貸選項和新型金融產品（所有人都由分散透明的網絡提供支持）。

Finally, institutions are increasingly exploring the possibilities of Ethereum's ecosystem for real-world asset (RWA) tokenization, further bridging the gap between traditional finance and blockchain technology.

最後，機構越來越多地探索以太坊生態系統對現實世界資產（RWA）令牌化的可能性，進一步彌合了傳統金融和區塊鏈技術之間的差距。

This integration is essential for enabling large-scale capital flows and facilitating the adoption of cryptocurrencies by the mainstream financial system.

這種整合對於實現大規模的資本流程和促進主流金融體係採用加密貨幣至關重要。

Worldcoin: A Bold New Take on Crypto for Financial Inclusion

WorldCoin：對金融包容的加密貨幣的大膽新作品

I remember the first time I saw a Worldcoin Orb—it looked like something straight out of a cyberpunk movie, scanning passersby to verify their identities.

我記得我第一次看到世界幣球 - 看起來像是一部賽博朋克電影中直接的東西，掃描路人來驗證他們的身份。

At the time, I was skeptical. The idea of Worldcoin identity verification through biometric scanning sounded too wild, too futuristic to be true. But the more I learned about the project's goals and the problems it's trying to solve, the more I realized: this could work.

當時，我持懷疑態度。通過生物識別掃描通過生物特徵掃描驗證世界幣身份的想法聽起來太瘋狂了，太未來派了。但是，我越了解該項目的目標及其試圖解決的問題，我就越意識到：這可以起作用。

One of the biggest challenges we face in an AI-driven world is how to effectively distinguish between humans and machines. This is especially important in the realm of financial access, as bots and other forms of AI could easily be used to exploit or manipulate the system.

在AI驅動的世界中，我們面臨的最大挑戰之一是如何有效區分人類和機器。這在財務訪問領域尤其重要，因為可以輕鬆地使用機器人和其他形式的AI來利用或操縱系統。

This is where Worldcoin's World ID comes in. By combining unique biometric scans with an immutable record on the blockchain, Worldcoin can create a robust and verifiable identity system that is resistant to fraud and abuse.

這是WorldCoin的World ID的來源。通過將獨特的生物識別掃描與區塊鏈上不變的記錄相結合，WorldCoin可以創建一個可抵抗欺詐和濫用的強大而可驗證的身份系統。

Now, to fully understand the differences in our Ethereum vs Worldcoin comparison, we need to consider their approaches to financial inclusion.

現在，要充分了解以太坊與世界幣比較的差異，我們需要考慮它們的財務包容性方法。

While Ethereum is focused on decentralized finance and providing the technological foundation for a new financial order, Worldcoin takes a more consumer-centric approach, aiming to simplify crypto for everyday users.

儘管以太坊專注於分散財務，並為新的金融秩序提供了技術基礎，但WorldCoin採用了一種以消費者為中心的方法，旨在簡化日常用戶的加密貨幣。

Having personally helped a few friends set up their Ethereum wallets and witnessed their struggles with gas fees and technical jargon, I can attest that the learning curve is steep.

親自幫助一些朋友建立了以太坊錢包，目睹了他們在汽油費和技術術語中的鬥爭，我可以證明學習曲線很陡峭。

In contrast, Worldcoin's mobile app is designed to be user-friendly, requiring no prior knowledge of cryptocurrency or blockchain technology.

相比之下，WorldCoin的移動應用程序設計為用戶友好，不需要先前了解加密貨幣或區塊鏈技術。

Moreover, while Ethereum is a Layer 1 blockchain, Worldchain (Worldcoin's blockchain) operates as a consumer-focused Layer 2,

此外，雖然以太坊是第1層區塊鏈，但世界鏈（WorldCoin's Blockain）作為以消費者為中心的第2層運行