隔离墙正在关闭您的财务自由，但并不是大多数美国人相信的方式。

尽管有关中央银行数字货币（CBDC）的未来威胁的辩论激烈，但已经实现了更加阴险的现实。

The walls are closing in on your financial freedom—but not in the way most Americans believe. While the debate rages over the future threat of Central Bank Digital Currencies (CBDCs), a far more insidious reality has already taken hold.

隔离墙正在关闭您的财务自由，但并不是大多数美国人相信的方式。尽管有关中央银行数字货币（CBDC）的未来威胁的辩论激烈，但已经实现了更加阴险的现实。

For over two years, my wife and I have traveled across 22 states warning about the rapid expansion of financial surveillance. What began as research into cryptocurrency crackdowns revealed something far more alarming: the United States already operates under what amounts to a CBDC.

两年多来，我和我的妻子跨越了22个州，警告金融监视的迅速扩大。开始对加密货币镇压的研究揭示了一些更令人震惊的事情：美国已经在CBDC的情况下运作。

The Federal Reserve processes over $4 trillion daily through its Oracle database system, while commercial banks impose programmable restrictions on what you can buy and how you can spend your own money. The IRS, NSA, and Treasury Department collect and analyze financial data without meaningful oversight, weaponizing money as a tool of control. This isn’t speculation—it’s documented reality.

美联储每天通过其Oracle数据库系统进行超过4万亿美元的处理，而商业银行对您可以购买的商品以及如何花钱施加了可编程限制。美国国税局，国家安全局和财政部收集和分析财务数据而没有有意义的监督，将金钱作为控制工具的武器。这不是猜测，它是现实的。

Now, as President Trump’s Executive Order 14178 ostensibly “bans” CBDCs, his administration is quietly advancing stablecoin legislation that would hand digital currency control to the same banking cartel that owns the Federal Reserve. The STABLE Act and GENIUS Act don’t protect financial privacy—they enshrine financial surveillance into law, requiring strict KYC tracking on every transaction.

现在，由于特朗普总统的行政命令14178表面上是“禁止” CBDCS，他的政府正在悄悄推进Stablecoin立法，该立法将数字货币管制将数字货币管制交给拥有联邦储备的同一银行卡特尔。 《稳定法案与天才法案》并不能保护财务隐私，他们将财务监视纳入法律，要求对每笔交易进行严格的KYC跟踪。

This isn’t defeating digital tyranny—it’s rebranding it.

这不是击败数字暴政，而是将其重新命名。

This article cuts through the distractions to expose a sobering truth: the battle isn’t about stopping a future CBDC—it’s about recognizing the financial surveillance system that already exists. Your financial sovereignty is already under attack, and the last off-ramps are disappearing.

本文削减了分心，以揭示一个令人醒目的真理：战斗并不是要停止未来的CBDC，而是要认识到已经存在的金融监视系统。您的财务主权已经受到攻击，最后的越野越野越来越消失。

The time for complacency has passed. The surveillance state isn’t coming—it’s here.

自满的时间已经过去了。监视状态没有到来 - 就在这里。

To fully grasp how deeply financial surveillance has already penetrated our lives, we must first understand the terminology being used—and often deliberately obscured—by government officials, central bankers, and financial institutions. The following key definitions will serve as a foundation for our discussion, cutting through the technical jargon to reveal the true nature of what’s at stake:

为了完全掌握金融监视已经渗透到我们的生活中，我们必须首先了解政府官员，中央银行家和金融机构所使用的术语（通常是故意掩盖的）。以下关键定义将成为我们讨论的基础，削减技术术语以揭示危及的真实本质：

Before diving deeper into the financial surveillance system we face today, let’s establish clear definitions for the key concepts discussed throughout this article:

在深入研究我们今天面临的金融监视系统之前，让我们对本文讨论的关键概念建立明确的定义：

Central Bank Digital Currency (CBDC)

中央银行数字货币（CBDC）

A digital form of central bank money, issued and controlled by a nation’s monetary authority. While often portrayed as a future innovation, I argue in “Fifty Shades of Central Bank Tyranny” that the US dollar already functions as a CBDC, with over 92% existing only as digital entries in Federal Reserve and commercial bank databases.

中央银行货币的数字形式，由国家的货币当局发行和控制。尽管经常被描绘成未来的创新，但我在“中央银行暴政的五十个阴影”中认为，美元已经用作CBDC，其中92％以上仅作为美联储和商业银行数据库中的数字条目。

Stablecoin

A type of cryptocurrency designed to maintain a stable value by pegging to an external asset, typically the US dollar. Major examples include:

一种加密货币，旨在通过将外部资产（通常为美元）挂钩来维持稳定的价值。主要例子包括：

Tokenization

令牌化

The process of converting rights to an asset into a digital token on a blockchain or database. This applies to both currencies and other assets like real estate, stocks, or commodities. Tokenization enables:

将权利转换为区块链或数据库中的数字令牌的过程。这适用于货币和其他资产，例如房地产，股票或商品。令牌化启用：

Regulated Liability Network (RLN)

规范责任网络（RLN）

A proposed financial infrastructure that would connect central banks, commercial banks, and tokenized assets on a unified digital platform, enabling comprehensive tracking and potential control of all financial assets.

拟议的金融基础设施将在统一的数字平台上连接中央银行，商业银行和令牌资产，从而使所有金融资产的全面跟踪和潜在控制。

Privacy Coins

隐私硬币

Cryptocurrencies specifically designed to preserve transaction privacy and resist surveillance:

专门设计用于保护交易隐私和抵制监视的加密货币：

Programmable Money

可编程的钱

Currency that contains embedded rules controlling how, when, where, and by whom it can be used. Examples already exist in:

包含嵌入规则的货币，以控制如何，何时，何地和可以使用它。示例已经存在于：

Know Your Customer (KYC) / Anti-Money Laundering (AML)

了解您的客户（KYC） /反洗钱（AML）

Regulatory frameworks require financial institutions to verify customer identities and report suspicious transactions. While ostensibly aimed at preventing crime, these regulations have expanded to create comprehensive financial surveillance with minimal oversight.

监管框架需要金融机构来验证客户身份并报告可疑交易。尽管表面上是为了防止犯罪，但这些法规已扩大，以最少的监督创造全面的金融监视。

Bank Secrecy Act (BSA) / Patriot Act

银行保密法（BSA） /爱国者法案

US laws mandate financial surveillance, eliminate transaction privacy, and grant government agencies broad powers to monitor financial activity without warrants. These laws form the legislative foundation of the current financial control system.

美国法律要求财务监视，消除交易隐私，并授予政府机构广泛的权力，以监控没有逮捕令的财务活动。这些法律构成了当前金融控制系统的立法基础。

STABLE Act / GENIUS Act

稳定的行为 /天才行为

Proposed legislation would restrict stablecoin issuance to banks and regulated entities, requiring complete KYC/AML compliance and effectively bringing stablecoins under the same surveillance framework as traditional banking.

拟议的立法将限制向银行和受监管实体发行的稳定发行，需要完全的KYC/AML合规性，并有效地将Stablecoins与传统银行业务相同的监视框架。

Understanding these terms is essential for recognizing how our existing financial system already functions as a mechanism of digital control, despite the absence of an officially designated “CBDC.”

尽管没有正式指定的“ CBDC”，但了解这些术语对于认识到我们现有的金融体系如何已作为数字控制机制至关重要。

The greatest sleight of hand in modern finance isn’t cryptocurrency or complex derivatives—it’s convincing Americans they don’t already live under a Central Bank Digital Currency system. Let’s dismantle this illusion by examining how our current dollar functions as a fully operational CBDC.

现代金融中最大的手是加密货币或复杂的衍生品 - 令人信服的美国人尚未生活在中央银行的数字货币系统下。让我们通过研究我们当前的美元作为完全运行的CBDC来消除这种幻想。

When most Americans picture money, they imagine physical cash changing hands. Yet this mental image is profoundly outdated—92% of all US currency exists solely as digital entries in databases, with no physical form whatsoever. The Federal Reserve, our central bank, doesn’t create most new money by printing bills; it generates it by adding numbers to an Oracle database.

当大多数美国人想到金钱时，他们会想到货现金易于转。然而，这种心理形象已经过时了，其中92％的美国货币仅作为数据库中的数字条目而存在，没有任何物理形式。美联储是我们的中央银行，并没有通过打印账单创造大多数新资金；它通过将数字添加到Oracle数据库来生成。

This process begins when the government sells Treasury securities (IOUs) to the Federal Reserve. Where does the Fed get money to buy these securities?

当政府向美联储将财政证券（IOUS）出售时，这一过程就开始了。美联储在哪里可以买到这些证券？