CBDC 透明度：不是解决加密货币问题的灵丹妙药

央行数字货币（CBDC）因其潜在风险而引发担忧。政策制定者探索了开源编码，以提高透明度并赢得公众信任。尽管透明度很有价值，但它并不能解决 CBDC 带来的根本挑战。开放源代码有其局限性，巴西、挪威和美国的例子就证明了这一点。它不能保证对透明度的长期承诺或防止政府滥用该技术。 CBDC 的核心问题仍然是其过度中心化的可能性，从而赋予政府前所未有的权力来控制公民的经济选择。

Central Bank Digital Currencies: Transparency Not a Cure-All for Concerns

央行数字货币：透明度并不是解决问题的灵丹妙药

Amidst growing skepticism surrounding central bank digital currencies (CBDCs), policymakers have turned their attention to open-source coding as a potential avenue for fostering transparency and building public trust. However, experts caution that transparency alone is insufficient to address the inherent risks associated with CBDCs.

随着人们对央行数字货币（CBDC）的怀疑日益增加，政策制定者已将注意力转向开源编码，将其视为提高透明度和建立公众信任的潜在途径。然而，专家警告说，仅靠透明度不足以解决与 CBDC 相关的固有风险。

Transparency: A Double-Edged Sword

透明度：一把双刃剑

Open-source coding, a practice of publicly disclosing the source code behind a project, provides several advantages. It enables external audits, exposing potential vulnerabilities and malicious intent. For instance, Bitcoin's open-source code allows users to verify its finite supply cap, fostering trust in the integrity of the system.

开源编码是一种公开披露项目背后的源代码的做法，具有多种优势。它支持外部审计，暴露潜在的漏洞和恶意意图。例如，比特币的开源代码允许用户验证其有限的供应上限，从而增强对系统完整性的信任。

However, open-source coding also has limitations, particularly in the context of CBDCs. As evidenced by Brazil's experience, the source code revealed embedded surveillance and control mechanisms, raising concerns about government overreach. Unlike decentralized cryptocurrencies, CBDC users have limited recourse against such centralized control.

然而，开源编码也有局限性，特别是在 CBDC 的背景下。正如巴西的经验所证明的那样，源代码揭示了嵌入式监视和控制机制，引发了人们对政府过度干预的担忧。与去中心化加密货币不同，CBDC 用户对这种集中控制的追索权有限。

Lessons from U.S. Code and Norway

美国法典和挪威法典的经验教训

The U.S. code exemplifies the inadequacy of transparency alone. Despite the detailed documentation of financial privacy exceptions, the government retains broad authority to disregard citizens' privacy rights. Similarly, Norway's central bank initially published its CBDC code but later indicated that open-source principles may not be permanent, highlighting the potential for arbitrary shifts in policy.

美国法规本身就体现了透明度的不足。尽管有详细的财务隐私例外记录，政府仍保留广泛的权力来无视公民的隐私权。同样，挪威央行最初发布了其 CBDC 代码，但后来表示开源原则可能不是永久性的，这凸显了政策任意转变的可能性。

Federal Reserve's Ambiguous Stance

美联储的模棱两可的立场

The Federal Reserve's involvement in CBDC research, including the open-source "Project Hamilton," has further underscored the limitations of transparency. Despite the project's results, the Fed remains unbound by any obligation to adopt an open-source model, demonstrating the tenuous nature of such commitments.

美联储参与 CBDC 研究，包括开源的“汉密尔顿计划”，进一步凸显了透明度的局限性。尽管该项目取得了成果，美联储仍然不受任何采用开源模式的义务的约束，这表明了此类承诺的脆弱性。

The Core Problem: Centralization

核心问题：中心化

Despite the allure of transparency, the fundamental issue with CBDCs remains their inherent centralization. By placing monetary power in the hands of governments, CBDCs risk granting them unprecedented control over citizens' economic choices. This raises concerns about the erosion of financial privacy, the suppression of competition, and the potential for government coercion.

尽管透明度具有吸引力，但 CBDC 的根本问题仍然是其固有的中心化。通过将货币权力交到政府手中，CBDC 可能会赋予政府对公民经济选择前所未有的控制权。这引发了人们对金融隐私受到侵蚀、竞争受到压制以及政府胁迫的可能性的担忧。

Decentralized Cryptocurrencies: A Different Paradigm

去中心化加密货币：不同的范式

Decentralized cryptocurrencies offer a stark contrast to CBDCs. Their open-source nature allows for transparency, but more importantly, it empowers individuals to act on that information. This has fostered a revolution in financial thinking and given individuals unprecedented control over their own funds.

去中心化加密货币与 CBDC 形成鲜明对比。它们的开源性质允许透明度，但更重要的是，它使个人能够根据这些信息采取行动。这引发了金融思维的革命，并使个人对自己的资金拥有前所未有的控制权。

Conclusion

结论

Transparency is a valuable tool, but it cannot single-handedly resolve the concerns surrounding CBDCs. The underlying issue is the centralization of monetary power, which poses a threat to individual liberty. Policymakers must prioritize decentralized solutions that empower citizens and limit government overreach rather than relying solely on transparency measures.

透明度是一个有价值的工具，但它无法单枪匹马解决围绕 CBDC 的担忧。根本问题是货币权力的集中化，这对个人自由构成了威胁。政策制定者必须优先考虑赋予公民权力并限制政府越权的去中心化解决方案，而不是仅仅依赖透明度措施。

The views and opinions expressed in this article are those of the author and do not necessarily reflect the views of Cointelegraph.

本文表达的观点和意见仅代表作者的观点，并不一定反映Cointelegraph的观点。