比特币可以取代银行吗？探索财务可及性，安全性和经济稳定性

自从十多年前加密货币之后，诸如“成为您自己的银行”之类的短语并没有停止流行。

Ever since crypto came to the scene more than a decade ago, phrases like ‘be your own bank’ have not ceased to be popular. The idea is that, with crypto, you have more control over your financial future than traditional finance. Of course, one of the reasons many people have been turning to Bitcoin is its decentralized framework.

自从十多年前加密货币之后，诸如“成为您自己的银行”之类的短语并没有停止流行。这个想法是，使用加密货币，您比传统财务更能控制财务未来。当然，许多人转向比特币的原因之一是它的分散框架。

This is why the currency’s price has actually been increasing. In fact, according to a recent BTC price chart, its value has seen exponential growth, hitting highs of more than $87,000, up from $1 more than a decade ago. Even though this is a significant decline from its value a few months ago, the question of whether it could fully replace banks continues to soar. Let’s try to answer it by exploring the following key areas.

这就是为什么货币的价格实际上在上涨的原因。实际上，根据最近的BTC价格表，其价值已达到指数增长，高达87,000美元，高于十年前的1美元。即使几个月前的价值显着下降，但它是否可以完全取代银行的问题继续飙升。让我们尝试通过探索以下关键领域来回答它。

Everyone can agree that financial inclusion is critical in the furtherance of any economy. In fact, according to the World Bank, it could help attain seven of the global sustainable development goals.

每个人都可以同意，金融包容性对于任何经济的促进至关重要。实际上，根据世界银行的说法，它可以帮助实现全球可持续发展的七个目标。

But as it is now, FinDev Gateway thinks that only 76% of the world can access official financial accounts. While this is a significant improvement, there is still a notable percentage of the world that’s excluded financially.

但是现在，Findev Gateway认为，只有76％的世界可以访问官方财务帐户。尽管这是一个重大的改进，但在财务上，世界上仍然有很大一部分被排除在外。

And at a time when discussions around this subject are increasing, nations could turn to Bitcoin to stay ahead. Since it operates on a decentralized network, anyone can send and receive funds without the help of an intermediary.

在谈论这一主题的讨论正在增加的时候，各国可能会转向比特币以保持领先地位。由于它在分散的网络上运行，因此任何人都可以在无中介的帮助下发送和接收资金。

This could be the reason certain traditional institutions are becoming crypto-friendly. JPMorgan, for example, just rebranded its blockchain with plans to expand and tokenize it. It’s also expected to adopt on-chain foreign exchange conversions this year (2025).

这可能就是某些传统机构变得友好的原因。例如，摩根大通（JPMorgan）刚刚将其区块链重新命名为扩展和代币化的计划。预计今年（2025）也将采用链上外汇转换。

By eliminating intermediaries, Bitcoin reduces transaction costs, which makes it more appealing to businesses grappling with rising operational expenses. This approach also ensures payments are processed quickly. Surprisingly, 64% of companies are already experiencing challenges with delayed payments, which may cause up to 80% of potential discounts to go unclaimed.

通过消除中介机构，比特币降低了交易成本，这使其更具吸引力的企业，以应对不断上涨的运营费用。这种方法还确保迅速处理付款。令人惊讶的是，有64％的公司已经在付款延迟时面临挑战，这可能会导致潜在折扣的80％无人认领。

However, Bitcoin’s volatility poses a challenge. A single transaction could dramatically fluctuate in value within minutes, making it less reliable for everyday purchases. Plus, not all merchants accept Bitcoin, limiting its practical use compared to a standard bank account. While stablecoins (cryptocurrencies pegged to traditional currencies) offer a solution, they still rely on existing financial institutions for stability.

但是，比特币的波动提出了一个挑战。单个交易可能会在几分钟内急剧上波动，从而使其对日常购买的可靠性降低。另外，并非所有商人都接受比特币，这与标准银行帐户相比限制了其实际用途。尽管Stablecoins（与传统货币挂钩的加密货币）提供了解决方案，但他们仍然依靠现有的金融机构来稳定。

At a time when cybersecurity has become a hot topic, the need to ensure the safety of transactions has become very apparent. And you would rather not imagine that about 39% of financial institutions that encountered ransomware incidents spend about $1 million.

在网络安全已成为热门话题的时候，确保交易安全的需求变得非常明显。而且，您宁愿想象大约有39％的金融机构遇到勒索软件事件的花费约为100万美元。

Worse still, you might need at least $5.9 million to recover from a data breach in this industry. This means that a technology that promises to improve security is always welcome, giving Bitcoin the advantage.

更糟糕的是，您可能至少需要590万美元才能从该行业的数据泄露中恢复。这意味着，总是欢迎有望提高安全性的技术，从而为比特币带来了优势。

It uses a much stronger hash algorithm, SHA-256, to encrypt data and prevent unauthorized access. To decrypt the data, you’ll not just need many computational resources—you’ll also need the specific key used to encode the data. Such an arrangement may help to reduce hacking consequences.

它使用更强的哈希算法SHA-256来加密数据并防止未经授权的访问。要解密数据，您不仅需要许多计算资源，还需要用于编码数据的特定键。这种安排可能有助于减少黑客后果。

Despite these advantages, Bitcoin still lacks certain features. Remember, traditional banks have consumer protections and insurance on deposits so that if your account is compromised, you can have legal recourse and assistance in recovering lost funds. On the contrary, Bitcoin operates under a self-sovereign control mechanism. You manage your funds through private keys, which may be empowering but risky at the same time.

尽管有这些优势，但比特币仍然缺乏某些功能。请记住，传统银行对存款具有消费者保护和保险，因此，如果您的帐户受到损害，则可以在收回损失的资金方面获得法律求助和协助。相反，比特币在自我主持的控制机制下运行。您通过私钥管理资金，这可能是赋予能力，但同时冒险。

When you lose a private key, you won’t be able to access your Bitcoin permanently. And unfortunately, there’s never a central authority to help you recover it. Interestingly, such an arrangement is not uncommon in the crypto industry.

当您丢失私钥时，您将无法永久访问比特币。不幸的是，从来没有一个中央权力可以帮助您恢复它。有趣的是，这种安排在加密行业并不少见。

A recent Chainalysis report noted that about 20% of the existing 18.5 million bitcoins were lost or stuck in accounts that could not be retrieved. Plus, despite Bitcoin being more secure, it has also experienced attacks in the past, causing several people to change their thoughts regarding it.

最近的链分析报告指出，现有的1850万比特币中约有20％丢失或陷入无法检索的帐户中。另外，尽管比特币更加安全，但过去也经历了攻击，导致几个人改变了对此的想法。

For Bitcoin to replace banks, it must also replace fiat currency—something it hasn’t fully achieved yet. Central banks manage economic policies such as interest rates and money supply, which help stabilize economies. Without such mechanisms, Bitcoin’s fixed supply could lead to deflationary spirals, making it difficult to function as a primary currency.

为了使比特币替换银行，它还必须取代法定货币 - 尚未完全取得的成就。中央银行管理经济政策，例如利率和货币供应，这有助于稳定经济。没有这种机制，比特币的固定供应可能导致通缩性螺旋，因此很难充当主要货币。

Don’t also forget that governments depend on fiat currency to collect taxes, fund public projects, and manage monetary policy. So, for this token to replace banks fully, governments would need to find alternative financial structures.

也不要忘记，政府依靠法定货币来收取税收，资助公共项目并管理货币政策。因此，要使这个代币充分取代银行，政府需要找到替代的金融结构。

However, the legislation has not stopped some countries from trying these crypto-based features. For example, at the end of last year, the UK parliament introduced a new bill that considers Bitcoin and other digital assets as personal property. If it is passed, asset owners will enjoy more legal protection.

但是，该立法并没有阻止某些国家尝试这些基于加密货币的功能。例如，在去年年底，英国议会提出了一项新法案，将比特币和其他数字资产视为个人财产。如果通过它，资产所有者将享有更多的法律保护。

Well, based on this discussion, Bitcoin offers some important benefits that may make it a financial alternative in the coming

好吧，基于此讨论，比特币提供了一些重要的好处