Liquid Noble 的 Annette Fortner 解释了为什么黄金支持的数字货币是金融的未来

Liquid Noble 的 Annette Fortner 在 2024 年伦敦区块链会议上接受 CoinGeek Backstage 采访，讲述了她为何对黄金感兴趣，以及是什么让它作为一种资产引人注目

Liquid Noble’s Annette Fortner spoke to CoinGeek Backstage at the London Blockchain Conference 2024 on why she’s interested in gold, what makes it compelling as an asset, and how blockchain makes precious metals accessible to anyone.

Liquid Noble 的 Annette Fortner 在 2024 年伦敦区块链会议上接受 CoinGeek Backstage 采访，讲述了她为何对黄金感兴趣、是什么让它作为一种资产具有吸引力，以及区块链如何让任何人都能接触到贵金属。

Despite the simplicity of the market and commodities themselves, gold and precious metals aren’t always seen as accessible investments for the average person. Many don’t want the risks or burdens associated with keeping their physical stash, and it’s often seen as a luxury investment for the already wealthy.

尽管市场和大宗商品本身很简单，但黄金和贵金属并不总是被视为普通人可以接受的投资。许多人不希望承担与保留实物藏品相关的风险或负担，而且这通常被视为本已富有的人的奢侈投资。

However, it needn’s be that way. A fast, scalable blockchain that can digitally tokenize physical assets opens up the precious metals market to anybody. There’s no need to head for alternatives like mining stocks or ETFs. Tokenized metals on a blockchain exist in secure physical vaults, with the digital token as proof of ownership.

然而，事情不必如此。快速、可扩展的区块链可以对实物资产进行数字代币化，从而向任何人开放贵金属市场。没有必要转向矿业股或 ETF 等替代品。区块链上的代币化金属存在于安全的物理金库中，并以数字代币作为所有权证明。

“I really believe in gold and precious metals,” Fortner says. “I’ve been in that industry for the last three years, working mainly for just bigger players… as somebody who’s developing all of the research about gold and why it’s a powerful hedger of volatility and hedger of inflation, I figured this is something that is more important for everybody.”

“我真的相信黄金和贵金属，”福特纳说。 “过去三年我一直在这个行业工作，主要为更大的参与者工作......作为一个正在开发有关黄金的所有研究以及为什么它是波动性和通胀对冲工具的人，我认为这是对每个人来说都更重要。”

“It’s not just something for the ultra-wealthy. It’s something that anybody should have in their portfolio,” she adds.

“这不仅仅是超级富豪的专利。这是任何人都应该在自己的投资组合中拥有的东西，”她补充道。

Liquid Noble can also arrange for physical metals to be delivered to their owners, but those satisfied with the tokenized version can keep their assets vaulted and trade the tokens easily for as long as they like.

Liquid Noble 还可以安排将实物金属交付给其所有者，但那些对代币化版本感到满意的人可以将其资产保存在保险库中，并可以根据需要轻松交易代币。

The company launched for residents in its native market of Australia in August 2024. Liquid Noble is licensed by AUSTRAC and fully complies with financial and security regulations there. The plan is to expand internationally once the company can satisfy the exact requirements in other countries.

该公司于 2024 年 8 月在澳大利亚本土市场面向居民推出。Liquid Noble 已获得 AUSTRAC 许可，完全符合当地的财务和安全法规。该公司计划在能够满足其他国家的确切要求后进行国际扩张。

Customers deposit local (fiat) currencies by transferring from a bank account. Those amounts are then tokenized on Liquid Noble’s trading platform, which uses the Tokenized digital asset protocol on the BSV blockchain. Once there, they can be traded for units of precious metals. Users can trade in/out of metals as frequently as they like, “cash out” in their local currency, or take physical delivery of the metals (provided they have enough for a deliverable amount).

客户通过银行账户转账存入当地（法定）货币。然后，这些金额在 Liquid Noble 的交易平台上进行代币化，该平台使用 BSV 区块链上的代币化数字资产协议。一旦到达那里，它们就可以兑换成单位的贵金属。用户可以根据自己的喜好频繁地进行金属交易，以当地货币“兑现”，或者进行金属的实物交割（前提是他们有足够的可交割金额）。

Fortner hinted that tokenized precious metal assets in blockchain wallets could function as gold-backed spending currencies in the long term. Blockchain records are already adequate for this purpose, but to be useful as currency, merchants would have to accept them as payments.

福特纳暗示，从长远来看，区块链钱包中的代币化贵金属资产可以充当黄金支持的支出货币。区块链记录已经足以满足此目的，但要用作货币，商家必须接受它们作为付款。

“So my grandma maybe, or my mom, for example, she’s going to be able to one day have a gold-backed digital savings account where she goes to Starbucks, and she’s able to use a gold-backed currency to transact in that,” she says.

“所以，也许我的祖母，或者我的妈妈，有一天她将能够拥有一个黄金支持的数字储蓄账户，她可以去星巴克，并且她能够使用黄金支持的货币进行交易， “她说。

Many of Bitcoin’s earliest adopters were attracted to the “sound money” principles of commodity-backed money, where supply was limited and not influenced by government policies or central banks. Despite numerous attempts at creating digital gold-backed currencies, however, there hasn’t yet been one that achieved widespread use.

许多比特币最早的采用者都被商品支持货币的“健全货币”原则所吸引，其中供应有限，并且不受政府政策或央行的影响。然而，尽管人们多次尝试创建数字黄金支持的货币，但尚未有一种货币得到广泛使用。

The fragmentation of the blockchain market itself is partly responsible for that, and blockchains other than BSV often suffer from scaling/technical limitations. But as Fortner says: “At the end of the day, (BSV) is fast, it’s scalable, and it’s cheap.”

区块链市场本身的碎片化是造成这种情况的部分原因，而 BSV 以外的区块链通常会受到扩展/技术限制的影响。但正如 Fortner 所说：“归根结底，（BSV）速度快，可扩展，而且便宜。”

Watch: Streaming with NFTs changes the idea of ownership

观看：NFT 流媒体改变了所有权观念