投资加密货币和稳定币之前需要了解的 10 件重要事项

加密货币和稳定币正在重塑现代金融，通过去中心化技术、速度和可访问性为传统银行业务提供替代方案。如果您对投资、交易或只是探索数字货币感到好奇，那么了解基础知识至关重要。以下是在深入加密货币世界之前需要了解的 10 件基本知识的细分。

Cryptocurrencies and stablecoins are revolutionizing modern finance, offering alternatives to traditional banking through speed, accessibility, and decentralized technology. If you’re considering investing, trading, or simply exploring digital currencies, understanding the basics is crucial. Here’s a breakdown of 10 essential things to know before diving into the world of crypto.

加密货币和稳定币正在彻底改变现代金融，通过速度、可访问性和去中心化技术提供传统银行业务的替代方案。如果您正在考虑投资、交易或只是探索数字货币，那么了解基础知识至关重要。以下是在深入加密货币世界之前需要了解的 10 件基本知识的细分。

1. Look for Real-World Use Cases

1.寻找现实世界的用例

Before allocating funds to a cryptocurrency, consider its practical applications. Coins derive value from their usability and adoption. For instance, Bitcoin is widely recognized as a digital store of value and is accepted by many businesses, including online retailers and even Bitcoin casinos; many of the latter have become highly popular among iGamers for their provably fair gaming, massive bonuses, and faster crypto payouts that blockchain technology makes possible.

在将资金分配给加密货币之前，请考虑其实际应用。硬币的价值来自于它们的可用性和采用。例如，比特币被广泛认为是一种数字价值储存手段，并被许多企业所接受，包括在线零售商甚至比特币赌场；后者中的许多游戏因其可证明的公平游戏、巨额奖金以及区块链技术带来的更快的加密支付而在 iGamers 中广受欢迎。

Ethereum shines as a platform for smart contracts and decentralized apps, enabling developers to build innovative applications that operate without intermediaries. Stablecoins like Tether (USDT) are increasingly favored for fast, stable transactions, particularly in industries like online gaming and gambling. These use cases highlight how cryptocurrencies and stablecoins go beyond speculative investments and integrate into real-world commerce.

以太坊作为智能合约和去中心化应用程序的平台而大放异彩，使开发人员能够构建无需中介即可运行的创新应用程序。 Tether (USDT) 等稳定币因快速、稳定的交易而越来越受到青睐，尤其是在在线游戏和赌博等行业。这些用例强调了加密货币和稳定币如何超越投机投资并融入现实世界的商业。

2. Understand Cryptocurrencies vs. Stablecoins

2. 了解加密货币与稳定币

Cryptocurrencies such as Bitcoin and Ethereum are known for price swings, which can lead to significant gains but also substantial losses. Stablecoins, on the other hand, are tied to assets like the U.S. dollar or gold, offering a more predictable value. Examples include Tether (USDT) and USD Coin (USDC), which are pegged to fiat currencies and serve as safe havens during market downturns.

比特币和以太坊等加密货币因价格波动而闻名，这可能会导致巨大的收益，但也可能带来巨大的损失。另一方面，稳定币与美元或黄金等资产挂钩，提供更可预测的价值。例子包括 Tether (USDT) 和 USD Coin (USDC)，它们与法定货币挂钩，在市场低迷时期充当避风港。

Stablecoins are also widely used for transactions and remittances due to their stability and speed. Businesses conducting cross-border payments benefit from their ability to reduce fees and avoid exchange rate fluctuations. Investors often use stablecoins to park their funds temporarily during volatile market conditions, providing liquidity and flexibility.

由于其稳定性和速度，稳定币也广泛用于交易和汇款。进行跨境支付的企业受益于降低费用和避免汇率波动的能力。投资者经常使用稳定币在市场波动期间暂时存放资金，以提供流动性和灵活性。

3. Diversify Your Portfolio

3. 使你的投资组合多样化

Spreading your investments across different coins can minimize risk. While Bitcoin dominates the market, other altcoins serve unique purposes, such as Ethereum for DeFi or Chainlink for decentralized finance solutions. Including stablecoins in your portfolio can act as a cushion during turbulent times, helping preserve value while staying ready for new opportunities.

将您的投资分散到不同的代币上可以最大限度地降低风险。虽然比特币在市场上占据主导地位，但其他山寨币具有独特的用途，例如用于 DeFi 的以太坊或用于去中心化金融解决方案的 Chainlink。在您的投资组合中加入稳定币可以在动荡时期起到缓冲作用，有助于保值，同时为新机会做好准备。

Diversification also allows investors to explore emerging technologies. For example, Polkadot focuses on interoperability between blockchains, and Cardano emphasizes scalability and sustainability. Allocating funds across different sectors within the crypto market helps balance risk and reward, ensuring long-term growth potential.

多元化还允许投资者探索新兴技术。例如，Polkadot 专注于区块链之间的互操作性，Cardano 则强调可扩展性和可持续性。在加密货币市场的不同领域分配资金有助于平衡风险和回报，确保长期增长潜力。

4. Explore Decentralized Finance (DeFi)

4.探索去中心化金融（DeFi）

DeFi is revolutionizing financial systems, enabling activities like lending, borrowing, and earning interest without intermediaries. Stablecoins often serve as the backbone of DeFi platforms, providing liquidity and stability. Through platforms like Uniswap or Aave, you can earn passive income by staking stablecoins in liquidity pools—making DeFi a rapidly growing sector.

DeFi 正在彻底改变金融体系，使借贷和赚取利息等活动无需中介即可实现。稳定币通常作为 DeFi 平台的支柱，提供流动性和稳定性。通过 Uniswap 或 Aave 等平台，您可以通过在流动性池中质押稳定币来赚取被动收入，从而使 DeFi 成为快速增长的领域。

DeFi eliminates the need for traditional banks by offering smart contracts that execute transactions automatically. These platforms are particularly attractive for those who want greater control over their finances and are looking to generate yields without relying on centralized institutions. However, it’s essential to research security features, as DeFi protocols are often targeted by hackers.

DeFi 通过提供自动执行交易的智能合约，消除了对传统银行的需求。这些平台对于那些想要更好地控制自己的财务并希望在不依赖中心化机构的情况下产生收益的人来说特别有吸引力。然而，研究安全功能至关重要，因为 DeFi 协议经常成为黑客的攻击目标。

5. Prioritize Security and Privacy

5. 优先考虑安全和隐私

Crypto security is critical. Always research how a coin secures its network and protects user data. Bitcoin and Ethereum rely on robust blockchain technology, while privacy-focused coins like Monero emphasize anonymity. Stablecoins are often audited for transparency. To keep your funds safe, use trusted wallets, enable two-factor authentication, and be cautious of phishing scams.

加密安全至关重要。始终研究硬币如何保护其网络并保护用户数据。比特币和以太坊依赖于强大的区块链技术，而像门罗币这样注重隐私的货币则强调匿名性。稳定币经常接受透明度审计。为了确保您的资金安全，请使用值得信赖的钱包，启用双因素身份验证，并警惕网络钓鱼诈骗。

Hardware wallets, which store cryptocurrencies offline, offer the highest level of security for long-term storage. Multi-signature wallets add another layer of protection by requiring multiple approvals for transactions. Staying vigilant and updated on the latest security practices can safeguard your investments against fraud and hacking attempts.

离线存储加密货币的硬件钱包为长期存储提供最高级别的安全性。多重签名钱包要求交易获得多重批准，从而增加了另一层保护。保持警惕并了解最新的安全实践可以保护您的投资免受欺诈和黑客攻击。

6. Embrace Everyday Use

6. 拥抱日常使用

Cryptocurrencies are becoming increasingly accepted for everyday transactions. From online shopping to paying for services, digital currencies are simplifying commerce. Stablecoins, in particular, make cross-border payments faster and cheaper. Payment processors are integrating crypto options, letting small businesses and individuals use them effortlessly.

加密货币越来越多地被日常交易所接受。从在线购物到服务支付，数字货币正在简化商业。尤其是稳定币，可以使跨境支付更快、更便宜。支付处理器正在集成加密选项，让小型企业和个人轻松使用它们。

Industries such as real estate and online entertainment have also adopted crypto payments. Crypto remittance services, for example, enable transparent and quick transactions without requiring traditional banking intermediaries. These examples illustrate how digital currencies are gradually becoming mainstream.

房地产和在线娱乐等行业也采用了加密支付。例如，加密货币汇款服务可以实现透明、快速的交易，而无需传统的银行中介机构。这些例子说明了数字货币如何逐渐成为主流。

7. Stay on Top of Regulations

7. 遵守法规

The regulatory environment around cryptocurrencies and stablecoins is evolving. Different countries have varying rules, and understanding these can help you stay compliant. Stablecoins often face stricter oversight due to their ties to fiat currencies. Keep an eye on emerging frameworks, as they could impact crypto’s future growth and adoption.

围绕加密货币和稳定币的监管环境正在不断发展。不同的国家/地区有不同的规则，了解这些规则可以帮助您保持合规。由于与法定货币的联系，稳定币通常面临更严格的监管。密切关注新兴框架，因为它们可能会影响加密货币的未来增长和采用。

Many exchanges now require Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance, ensuring investor protection. Regulatory developments also affect tax reporting obligations, so it’s important to maintain accurate records of transactions. Adhering to these rules reduces legal risks and improves investor confidence.

许多交易所现在要求了解您的客户 (KYC) 和反洗钱 (AML) 合规性，以确保投资者保护。监管发展也会影响税务报告义务，因此保持准确的交易记录非常重要。遵守这些规则可以降低法律风险并提高投资者的信心。

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