SAFU：加密货币领域用户安全资产基金的概念

在安全和信任通常是最受关注的世界中，尤其是在加密货币领域，SAFU（用户安全资产基金）的概念是一项天才创新。

In the world of cryptocurrency, where security and trust are paramount concerns, the concept of SAFU (Secure Asset Fund for Users) has emerged as a brilliant innovation. This guide delves into the idea of SAFU and explores its impact on the cryptocurrency landscape.

在安全和信任至关重要的加密货币世界中，SAFU（用户安全资产基金）的概念作为一项辉煌的创新应运而生。本指南深入探讨了 SAFU 的理念，并探讨了它对加密货币格局的影响。

What is a Secure Asset Fund for Users (SAFU)?

什么是用户安全资产基金 (SAFU)？

Anyone who has ventured into the realm of cryptocurrency investment is well aware of the inherent volatility that can plague the market. The occasional presence of hacks and scams is a bitter pill to swallow, especially when an investor can go from boasting a thriving portfolio to hearing news about stolen funds in a matter of moments. This is where the concept of SAFU comes into play.

任何涉足加密货币投资领域的人都清楚地意识到可能困扰市场的固有波动性。偶尔出现的黑客和诈骗行为是一粒难以下咽的苦果，尤其是当投资者可以从吹嘘自己的投资组合欣欣向荣，转眼间就听到有关资金被盗的消息时。这就是 SAFU 概念发挥作用的地方。

SAFU is an acronym that stands for Secure Asset Fund for Users. It refers to an emergency reserve fund that is designed to protect investors' funds on the cryptocurrency exchange Binance. The money held in this fund acts as insurance to reimburse investors in the unfortunate event that they lose their digital assets due to hacking or any other incident at the exchange that could lead to the loss of user funds. Think of it as a sort of crypto piggy bank.

SAFU 是用户安全资产基金的缩写。它是指旨在保护加密货币交易所币安投资者资金的紧急储备基金。该基金中持有的资金可作为保险，在投资者因黑客攻击或交易所任何其他可能导致用户资金损失的事件而失去数字资产的不幸事件时，向投资者提供补偿。将其视为一种加密货币存钱罐。

The Origin of SAFU

SAFU的由来

The idea of SAFU came about after Binance suffered a major security breach. According to the founder and former CEO Changpeng Zhao (CZ), the fund would be used. “To protect the future interests of all users, Binance will create a Secure Asset Fund for Users (SAFU). Starting from 2018/07/14, we will allocate 10% of all trading fees received into SAFU to offer protection to our users and their funds in extreme cases. This fund will be stored in a separate cold wallet.”

SAFU 的想法是在币安遭遇重大安全漏洞后产生的。据创始人兼前首席执行官赵长鹏（CZ）透露，该基金将被使用。 “为了保护所有用户的未来利益，币安将创建用户安全资产基金（SAFU）。从2018年7月14日开始，我们将把收到的所有交易费用的10%拨入SAFU，以在极端情况下为我们的用户及其资金提供保护。这笔资金将存储在一个单独的冷钱包中。”

Announced on July 3, 2018, the idea of SAFU didn't originate in a company boardroom meeting. Funnily enough, this serious security measure arose from a joke. During the unfortunate hacking incident, CZ had tweeted “Funds are safe” during a maintenance exercise. A YouTube user turned this tweet into a viral video dubbed “Funds are SAFU.” Cryptocurrency exchange Binance played around with this joke that became a meme movement, turning it into serious business. Changpeng Zhao decided to keep the humor alive and adopted the phrase “SAFU” in later social media posts, and just like that, it became a serious security movement.

SAFU的想法于2018年7月3日宣布，并非源于公司董事会会议。有趣的是，这项严肃的安全措施源于一个笑话。在不幸的黑客事件中，CZ 在一次维护活动中发布了“资金安全”的推文。一位 YouTube 用户将这条推文变成了一个名为“Funds are SAFU”的病毒视频。加密货币交易所币安玩了这个笑话，后来演变成了一场模因运动，并将其变成了严肃的生意。赵长鹏决定继续保持幽默，并在后来的社交媒体帖子中采用了“SAFU”一词，就这样，它成为了一场严肃的安全运动。

How Does SAFU Work?

SAFU 如何运作？

Binance created the Secure Asset Fund for Users in 2018, at a time when crypto exchange hacks and user fund security were a serious concern. The initiative was designed to ensure that no matter what happened to the exchange, every user would be calm, knowing that their funds or assets were insured. The fund allocates 10% of the exchange's income in terms of trading fees to provide insurance against any potential security breach.

币安于 2018 年创建了用户安全资产基金，当时加密货币交易所黑客攻击和用户资金安全是一个严重问题。该举措旨在确保无论交易所发生什么情况，每个用户都会保持冷静，因为他们知道自己的资金或资产已得到保险。该基金将交易所收入的 10% 用于交易费用，以针对任何潜在的安全漏洞提供保险。

Binance stores the SAFU funds in secure hard wallets that would only be assessed during extreme emergencies. The fund aims to show that Binance is committed to securing users’ interests and, therefore, keeping their trust. For example, during a well-documented security breach on the Binance exchange in 2019, hackers made away with 7,000 Bitcoins worth at least $40 million at the time. The hackers used advanced techniques like malware and phishing to bypass Binance's security and compromise their hot wallets. However, SAFU was activated and reimbursed every user, meaning that the exchange took care of the matter without customers feeling the pinch.

币安将 SAFU 资金存储在安全的硬钱包中，只有在极端紧急情况下才会对其进行评估。该基金旨在表明币安致力于保护用户的利益，从而保持他们的信任。例如，在 2019 年币安交易所发生的一次有据可查的安全漏洞中，黑客盗走了 7,000 个比特币，当时价值至少 4000 万美元。黑客使用恶意软件和网络钓鱼等先进技术来绕过币安的安全性并破坏他们的热钱包。然而，SAFU 被激活并为每个用户提供了补偿，这意味着交易所在没有让客户感到压力的情况下解决了这个问题。

How has SAFU Influenced the Crypto Industry?

SAFU 对加密货币行业有何影响？

While an increasing number of enthusiasts are still entering the crypto space as digital assets become increasingly popular, there are not yet many cryptocurrency exchanges that practice the SAFU concept. In order to attract institutional investors who are joining the digital asset bandwagon, there’s talk within the industry for qualified custodians and insurance providers to create policies to cover the theft of cryptocurrencies. Some cryptocurrency exchanges have put in place policy frameworks to try and address such eventualities, but they fall short of the large amounts traded within the crypto ecosystem.

尽管随着数字资产变得越来越流行，越来越多的爱好者仍在进入加密货币领域，但实践 SAFU 理念的加密货币交易所还不多。为了吸引加入数字资产潮流的机构投资者，业内正在讨论合格的托管人和保险提供商制定政策来应对加密货币被盗的情况。一些加密货币交易所已经制定了政策框架来尝试解决此类可能性，但它们未能满足加密生态系统内的大量交易。

BitGo offers a $100M policy for hacks, while Coincover proposes a $200M policy covering security breaches. Apparently, there’s just about $1 billion in terms of insurance policies circa $300 billion worth of digital assets in circulation. As the insurance industry struggles with the concept of preparing policies relevant to the crypto sector, SAFU happens to be the stop-gap measure of the moment. After Binance introduced its Secure Asset Fund for Users, a few other crypto exchanges have come up with similar concepts. They include:

BitGo 提供 1 亿美元的黑客政策，而 Coincover 则提出 2 亿美元的安全漏洞政策。显然，流通中的数字资产价值约 3000 亿美元，保单价值约为 10 亿美元。当保险业在制定与加密货币行业相关的保单的概念时遇到困难，SAFU 恰好是当前的权宜之计。在币安推出用户安全资产基金后，其他一些加密货币交易所也提出了类似的概念。它们包括：

Bitfinex: The Bitfinex Insurance Fund covers user funds in the event of unforeseen losses. This happened following a major hacking incident in 2016.

Bitfinex：Bitfinex 保险基金在发生不可预见的损失时为用户资金提供保障。这是在 2016 年发生重大黑客事件之后发生的。

OKX: Cryptocurrency exchange OKX runs a Risk Reserve Fund that ensures users’ funds are secured against market anomalies or security breaches.

OKX：加密货币交易所 OKX 运行风险储备基金，确保用户的资金免受市场异常或安全漏洞的影响。

KuCoin: Crypto exchange KuCoin operates a User Protection Fund that launched in 2020 after suffering a

KuCoin：加密货币交易所 KuCoin 运营着一项用户保护基金，该基金在遭受了用户保护基金的打击后于 2020 年推出。