BSV 区块链已准备好成为全球 CBDC 的引擎

央行数字货币（CBDC）是目前的热门话题。然而，许多人仍然不相信它们的价值，有些人不明白它们会给经济带来什么好处。

Central bank digital currencies (CBDCs) are a hot topic. But many people are still unconvinced about their value. Some do not understand what benefits they will bring to the economy.

央行数字货币（CBDC）是一个热门话题。但许多人仍然不相信它们的价值。有些人不明白它们会给经济带来什么好处。

The adoption of CBDCs will herald a new way of working with and using money online for everyone. But how will it work?

CBDC 的采用将为每个人带来一种在线处理和使用资金的新方式。但它会如何运作呢？

A CBDC is a digital currency issued by a country’s central bank. The central bank can manage the back-end infrastructure for the CBDC, while financial institutions can offer wallets and other customer services to end users.

CBDC 是由一国中央银行发行的数字货币。中央银行可以管理 CBDC 的后端基础设施，而金融机构可以向最终用户提供钱包和其他客户服务。

The central bank holds information about funds held by users of that currency, which can be accessed by commercial financial institutions.

中央银行持有有关该货币用户持有的资金的信息，商业金融机构可以访问这些信息。

There are many advantages to adopting CBDCs in a country, especially one that uses blockchain for distributed data storage. CBDCs will provide business and technology opportunities for applications and services that will be more efficient to use.

在一个国家采用CBDC有很多优势，尤其是使用区块链进行分布式数据存储的CBDC。 CBDC 将为更高效使用的应用程序和服务提供业务和技术机会。

The BSV blockchain offers several benefits for CBDCs in countries that choose new digital currencies. Adopting a CBDC will benefit merchants, service providers, software houses, developers and others across the supply chain.

BSV 区块链为选择新数字货币的国家的 CBDC 提供了多项好处。采用 CBDC 将使供应链上的商家、服务提供商、软件公司、开发商和其他人员受益。

Consumers will benefit, too: if a CBDC is implemented in a country, it can bring flexibility and choice to everyone who uses the currency and add the confidence of governance, security, trust and traceability.

消费者也会受益：如果一个国家实施 CBDC，它可以为每个使用该货币的人带来灵活性和选择，并增加治理、安全、信任和可追溯性的信心。

The Bitcoin blockchain brings privacy, which is different from anonymity, to transactions while maintaining governance and auditability. Privacy is maintained in the user’s Bitcoin wallet, which sits at the edges of the network rather than being under centralized control.

比特币区块链为交易带来了不同于匿名的隐私，同时保持了治理和可审计性。隐私由用户的比特币钱包维护，该钱包位于网络边缘而不是受到集中控制。

Developers can create CBDC solutions to enable efficiency, privacy and security for users.

开发人员可以创建 CBDC 解决方案，为用户提供效率、隐私和安全性。

Flexibility in wallet design means that the creator or developer of the wallet software could store privacy information at the provider in case the user’s wallet is compromised. In this case, the information initially given to satisfy the Know Your Customer (KYC) details could be used to validate the user who can regain access to their wallet.

钱包设计的灵活性意味着钱包软件的创建者或开发者可以将隐私信息存储在提供商处，以防用户的钱包受到损害。在这种情况下，最初为满足“了解您的客户”(KYC) 详细信息而提供的信息可用于验证可以重新访问其钱包的用户。

This could also reduce the chance of bad actors compromising the system and reducing trust in the wallets.

这还可以减少不良行为者破坏系统并降低对钱包的信任的机会。

If a CBDC protocol has been created and set for both KYC and anti-money laundering (AML) regulatory compliance, thresholds could be built into wallets so that if a pre-configured amount is exceeded, the wallet could automatically flag the transaction for AML and further checking.

如果已经为 KYC 和反洗钱 (AML) 监管合规性创建并设置了 CBDC 协议，则可以在钱包中内置阈值，这样，如果超过预先配置的金额，钱包可以自动将交易标记为 AML 和进一步检查。

If the wallet has built-in intelligent components, its software could detect if a user makes regular, smaller payments that are potentially suspicious and trigger AML notifications to the regulatory authorities.

如果钱包具有内置智能组件，其软件可以检测用户是否定期进行可能可疑的小额付款，并向监管机构触发反洗钱通知。

To encourage fair markets and competition, it would be better to have many wallet providers who offer software wallets to consumers. Users can view their accounts through any vendor’s software wallet application.

为了鼓励公平的市场和竞争，最好有许多钱包提供商向消费者提供软件钱包。用户可以通过任何供应商的软件钱包应用程序查看他们的帐户。

Using wallets as a commodity will eliminate the risk of customers losing money if the wallet software provider goes bankrupt or goes out of business for a different reason.

如果钱包软件提供商因其他原因破产或倒闭，将钱包用作商品将消除客户遭受损失的风险。

Using this model allows for competitive wallet development and product innovation, which ultimately leads to a better experience for consumers. With protocol standardization across wallets and interoperability features between different wallets, wallet providers can compete for customers’ business, which will lead to a better experience for all users.

使用这种模式可以实现有竞争力的钱包开发和产品创新，最终为消费者带来更好的体验。通过跨钱包的协议标准化和不同钱包之间的互操作性功能，钱包提供商可以竞争客户的业务，这将为所有用户带来更好的体验。

Banks should allow their customers to access their bank accounts using any provider’s wallet they choose instead of restricting them to one bank-designed app, as is common across the current banking model. Making wallets open-source makes them available to all without compromising privacy.

银行应该允许客户使用他们选择的任何提供商的钱包访问他们的银行账户，而不是像当前银行模式中常见的那样将他们限制在一款银行设计的应用程序上。钱包开源可以让所有人都可以使用它们，而不会损害隐私。

Transferring limits could be managed centrally so that banks do not need to set their daily transfer limit at an amount, say, $15,000 per day. These limits could be set at the CBDC level or at the bank instead of at each wallet.

转账限额可以集中管理，这样银行就不需要将每日转账限额设置为每天 15,000 美元。这些限制可以在 CBDC 级别或银行设置，而不是在每个钱包设置。

Setting limits centrally will ensure that wallets do not need additional complexity, and rules can be maintained equally for all.

集中设置限制将确保钱包不需要额外的复杂性，并且可以为所有人平等地维护规则。

Privacy mechanisms such as certificates could be stored offline so payments could still happen, even without online access.

证书等隐私机制可以离线存储，因此即使没有在线访问，支付仍然可以进行。

Online payments could have built-in reference checks to guarantee their validity, and all privacy certificates for wallets will have immutable and traceable records stored in the blockchain.

在线支付可以内置参考检查来保证其有效性，并且钱包的所有隐私证书都将在区块链中存储不可变且可追踪的记录。

With CBDCs, different wallets can be used to provide a view of funds at the bank and switching between wallets will be easy. This enables access to funds from backup wallets in case access to the primary wallet becomes unavailable.

借助 CBDC，可以使用不同的钱包来提供银行资金的视图，并且钱包之间的切换将很容易。这样可以在无法访问主钱包的情况下从备用钱包访问资金。

Of course, this requires standardization across all wallets to ensure interoperability and the ability to easily transfer funds to wallets created by different providers. If a provider’s wallet goes offline for any reason or otherwise becomes unavailable, users should easily be able to transfer their funds to a different wallet.

当然，这需要所有钱包的标准化，以确保互操作性以及轻松地将资金转移到不同提供商创建的钱包的能力。如果提供商的钱包因任何原因离线或变得不可用，用户应该能够轻松地将资金转移到其他钱包。

As money is central to our lives and digital payments are an increasingly common way of paying for goods and services through credit and debit cards, it makes sense to consider implementing a CBDC.

由于金钱是我们生活的核心，并且数字支付是通过信用卡和借记卡支付商品和服务的一种越来越常见的方式，因此考虑实施 CBDC 是有意义的。

A significant requirement is that the core technology at the heart of the CBDC confirms with the governance requirements and that transactions are traceable and immutable. The BSV blockchain already guarantees immutability and, with potentially unlimited scale, is primed to become the engine for CBDCs across the world.

一个重要的要求是 CBDC 的核心技术符合治理要求，并且交易是可追踪和不可变的。 BSV 区块链已经保证了不变性，并且具有潜在的无限规模，有望成为全球 CBDC 的引擎。