以太坊在全球金融中的作用：从 DeFi 到 CBDC 和跨境支付

以太坊长期以来一直是加密货币领域的主要参与者，不仅作为去中心化数字资产，而且作为整个去中心化金融（DeFi）生态系统的基础。

Sure, here is a shorter version of the article on Ethereum's role in global finance, focusing on its potential to transform cross-border payments:

当然，这是关于以太坊在全球金融中的作用的文章的简短版本，重点关注其改变跨境支付的潜力：

Ethereum, the second-largest cryptocurrency by market capitalization, is not only a decentralized digital asset but also the foundation of an entire decentralized financial (DeFi) ecosystem. While Bitcoin remains the dominant cryptocurrency in terms of store of value, Ethereum is making its mark as the potential backbone of global finance.

以太坊作为市值第二大的加密货币，不仅是一种去中心化的数字资产，也是整个去中心化金融（DeFi）生态系统的基础。虽然比特币在价值储存方面仍然是占主导地位的加密货币，但以太坊正在成为全球金融的潜在支柱。

One of the key innovations that has placed Ethereum at the forefront of the future of finance is Decentralized Finance (DeFi). DeFi applications, built on Ethereum’s blockchain, aim to replace traditional financial intermediaries such as banks, brokers, and exchanges with smart contracts. These smart contracts allow for the creation of financial products and services that are accessible, transparent, and decentralized.

去中心化金融（DeFi）是使以太坊处于未来金融前沿的关键创新之一。建立在以太坊区块链之上的 DeFi 应用旨在用智能合约取代银行、经纪商和交易所等传统金融中介机构。这些智能合约允许创建可访问、透明和去中心化的金融产品和服务。

From lending and borrowing platforms like Aave and Compound to decentralized exchanges (DEXs) like Uniswap and SushiSwap, Ethereum powers a thriving DeFi ecosystem with billions in total value locked (TVL). As of 2024, Ethereum remains the leading platform for DeFi development, with countless decentralized protocols enabling users to lend, borrow, trade, and earn interest without relying on banks or centralized authorities.

从 Aave 和 Compound 等借贷平台到 Uniswap 和 SushiSwap 等去中心化交易所 (DEX)，以太坊为蓬勃发展的 DeFi 生态系统提供了动力，总锁定价值 (TVL) 达数十亿美元。截至 2024 年，以太坊仍然是 DeFi 开发的领先平台，拥有无数的去中心化协议，使用户能够在不依赖银行或中央机构的情况下进行借贷、交易和赚取利息。

Another area where Ethereum is poised to have a transformative impact on global finance is in the realm of cross-border payments. Traditional methods of international money transfers, such as those through SWIFT or money transfer services like Western Union, are slow, costly, and often require intermediary banks.

以太坊有望对全球金融产生变革性影响的另一个领域是跨境支付领域。传统的国际汇款方法（例如通过 SWIFT 或西联汇款等汇款服务）速度慢、成本高，并且通常需要中介银行。

Ethereum’s ability to enable near-instantaneous and low-cost transactions makes it a viable alternative for cross-border payments. Moreover, Ethereum’s Layer-2 solutions, which are designed to improve scalability and reduce fees, could further enhance the efficiency of cross-border transactions.

以太坊能够实现近乎即时且低成本的交易，使其成为跨境支付的可行替代方案。此外，以太坊的 Layer-2 解决方案旨在提高可扩展性并降低费用，可以进一步提高跨境交易的效率。

This is particularly important for developing countries, where remittances make up a significant portion of the GDP. With Ethereum, remittance services can become faster, more affordable, and more accessible to a global audience. This opens up opportunities for global financial inclusion.

这对于发展中国家尤为重要，因为侨汇占国内生产总值的很大一部分。借助以太坊，汇款服务可以变得更快、更实惠，并且更容易为全球受众所接受。这为全球金融包容性开辟了机会。

As Ethereum continues to scale and evolve, its role in global finance is only set to increase. The network is undergoing significant technical upgrades—such as sharding, Layer-2 solutions, and improved transaction throughput—that will allow it to handle an increasing volume of transactions, all while maintaining security and decentralization.

随着以太坊不断扩展和发展，它在全球金融中的作用只会增加。该网络正在经历重大的技术升级，例如分片、第 2 层解决方案和改进的交易吞吐量，这将使其能够处理不断增加的交易量，同时保持安全性和去中心化。

Looking ahead, Ethereum could become the backbone for a variety of financial applications, from asset tokenization and digital identity solutions to crowdfunding and supply chain management. Ethereum’s ability to tokenize assets, including real estate, stocks, and bonds, could enable a more efficient, transparent, and accessible financial system.

展望未来，以太坊可能成为各种金融应用的支柱，从资产代币化和数字身份解决方案到众筹和供应链管理。以太坊将资产（包括房地产、股票和债券）代币化的能力可以实现更高效、透明和易于访问的金融体系。

As Ethereum’s capabilities grow and its ecosystem continues to expand, the blockchain could play a key role in reshaping the global financial system—facilitating cross-border payments, offering financial services to the unbanked, supporting decentralized markets, and bridging the gap between traditional finance and the new digital economy.

随着以太坊功能的增长及其生态系统的不断扩大，区块链可以在重塑全球金融体系方面发挥关键作用——促进跨境支付，为无银行账户的人提供金融服务，支持去中心化市场，并弥合传统金融与金融之间的差距。新数字经济。

However, Ethereum still faces several challenges, including scalability and high gas fees. Additionally, regulatory uncertainty continues to loom over Ethereum and the broader cryptocurrency space. But with its strong developer community, consistent network upgrades, and increasing institutional involvement, Ethereum is well-positioned to remain a dominant player in global finance for years to come.

然而，以太坊仍然面临着一些挑战，包括可扩展性和高天然气费。此外，监管不确定性继续笼罩着以太坊和更广泛的加密货币领域。但凭借其强大的开​​发者社区、持续的网络升级以及不断增加的机构参与，以太坊处于有利地位，将在未来几年保持全球金融的主导地位。