WorldCoin vs以太坊：哪一个更好地使加密货币成为现实？

不久前，我试图向以前从未使用过加密货币的朋友解释以太坊的财务可访问性。他的回答？

A while back, I was trying to explain Ethereum financial accessibility to a friend who'd never used crypto before. When I finished describing how you'd need to set up a wallet, pay gas fees, and understand smart contracts, his response was simply, "Wait, so I need to do all that… just to move my own money?"

不久前，我试图向以前从未使用过加密货币的朋友解释以太坊财务可访问性。当我完成描述您需要如何设置钱包，支付汽油费和理解智能合约时，他的回答简直就是：“等等，所以我需要做所有这些……只是为了搬我自己的钱吗？”

It was then that it really hit me—for all its might, Ethereum is still not exactly beginner-friendly. Now, I'm not saying that's a bad thing. We need institutions like Ethereum, with their massive DeFi presence and potential for institutional integration, to create the backbone of the crypto economy.

那时，它确实打动了我 - 因为所有的力量，以太坊仍然并不完全友好。现在，我并不是说那是一件坏事。我们需要像以太坊这样的机构，具有巨大的挑战和制度一体化的潜力，以创造加​​密经济的骨干。

But if we're talking about crypto for financial inclusion, we also need something else. We need a technology that can be accessed by billions of people, regardless of their technical expertise or location.

但是，如果我们谈论的是用于财务包容的加密货币，我们也需要其他一些东西。无论他们的技术专业知识如何，我们都需要数十亿人可以访问的技术。

This brings us to the big question: Worldcoin vs Ethereum—which one is better at making crypto for financial inclusion a reality? Both take different approaches, and depending on what you value most—decentralized finance for global access or a seamless user experience—your answer may vary.

这使我们提出了一个大问题：WorldCoin vs以太坊（Ethereum），这更好地将加密货币推广成为现实？两者都采用不同的方法，并且取决于您最重视的方法（用于全局访问或无缝用户体验的分节化财务）可能会有所不同。

Ethereum: The Financial Giant with Unmatched Liquidity

以太坊：无与伦比流动性的金融巨头

If you're looking for a deep ecosystem of lending platforms, liquidity pools, or Ethereum DeFi solutions that rival traditional banks, then we're in agreement.

如果您正在寻找与传统银行相媲美的贷款平台，流动性池或以太坊defi解决方案的深层生态系统，那么我们一致。

I've personally used Ethereum-based apps to borrow against my crypto holdings without ever talking to a bank—something completely unthinkable just a decade ago.

我亲自使用基于以太坊的应用程序借用了我的加密货币持有的借款，而无需与银行交谈，这是十年前完全无法想象的。

Now, to understand why Ethereum is often touted as the best crypto for financial inclusion, we need to consider several key factors.

现在，要了解为什么以太坊经常被吹捧为金融包容性的最佳加密货币，我们需要考虑一些关键因素。

The Importance of Scaling Solutions and Gas Fees

扩展解决方案和汽油费的重要性

We've seen a huge improvement in Ethereum financial accessibility with the advent of Layer 2 networks like Arbitrum and Optimism. These scaling solutions significantly reduce gas fees and make transactions more affordable, especially for smaller amounts.

随着第2层网络（如仲裁和乐观）的出现，我们已经看到以太坊财务可访问性的巨大改善。这些扩展解决方案可显着降低汽油费，并使交易更实惠，尤其是对于较小的量。

However, even with Layer 2s, gas fees and transaction costs remain a point of contention, especially in comparison to centralized financial systems.

但是，即使有第2层，汽油费和交易成本仍然是争论的点，尤其是与集中财务系统相比。

Furthermore, the technical knowledge required to navigate the Ethereum ecosystem can be daunting for newcomers. Setting up a wallet, understanding gas fees, and interacting with DeFi protocols all present learning curves that might discourage less tech-savvy users.

此外，浏览以太坊生态系统所需的技术知识对于新移民来说可能是令人生畏的。设置钱包，了解汽油费以及与Defi协议进行互动，所有目前的学习曲线可能会阻止较少的技术用户。

The Best Crypto for Financial Inclusion Needs Liquidity

金融包容性的最佳加密货币需要流动性

But where Ethereum lacks in user-friendliness, it more than makes up for it in liquidity and DeFi integration.

但是，在以太坊缺乏用户友好性的地方，它不仅仅弥补了流动性和挑战整合。

From Uniswap's decentralized exchange to Aave's lending platform, the Ethereum DeFi ecosystem is unmatched in terms of the variety and depth of its financial solutions.

从UNISWAP的分散交易所到AAVE的贷款平台，以太坊Defi生态系统在其金融解决方案的多样性和深度方面都无与伦比。

This liquidity is crucial for enabling large-scale financial access. With billions of unbanked individuals globally, we need a financial system that can handle massive numbers of users without compromising on speed or efficiency.

这种流动性对于实现大规模财务通道至关重要。在全球数十亿个无银行的个人中，我们需要一个金融系统，该财务系统可以处理大量用户，而不会损害速度或效率。

The promise of interoperability and smart contracts also allows for seamless cross-border payments, microfinance options, and new types of financial products—all powered by a decentralized and transparent network.

互操作性和智能合约的承诺还允许无缝的跨境支付，小额信贷选项和新型金融产品（所有人都由分散透明的网络提供支持）。

Finally, institutions are increasingly exploring the possibilities of Ethereum's ecosystem for real-world asset (RWA) tokenization, further bridging the gap between traditional finance and blockchain technology.

最后，机构越来越多地探索以太坊生态系统对现实世界资产（RWA）令牌化的可能性，进一步弥合了传统金融和区块链技术之间的差距。

This integration is essential for enabling large-scale capital flows and facilitating the adoption of cryptocurrencies by the mainstream financial system.

这种整合对于实现大规模的资本流程和促进主流金融体系采用加密货币至关重要。

Worldcoin: A Bold New Take on Crypto for Financial Inclusion

WorldCoin：对金融包容的加密货币的大胆新作品

I remember the first time I saw a Worldcoin Orb—it looked like something straight out of a cyberpunk movie, scanning passersby to verify their identities.

我记得我第一次看到世界币球 - 看起来像是一部赛博朋克电影中直接的东西，扫描路人来验证他们的身份。

At the time, I was skeptical. The idea of Worldcoin identity verification through biometric scanning sounded too wild, too futuristic to be true. But the more I learned about the project's goals and the problems it's trying to solve, the more I realized: this could work.

当时，我持怀疑态度。通过生物识别扫描通过生物特征扫描验证世界币身份的想法听起来太疯狂了，太未来派了。但是，我越了解该项目的目标及其试图解决的问题，我就越意识到：这可以起作用。

One of the biggest challenges we face in an AI-driven world is how to effectively distinguish between humans and machines. This is especially important in the realm of financial access, as bots and other forms of AI could easily be used to exploit or manipulate the system.

在AI驱动的世界中，我们面临的最大挑战之一是如何有效区分人类和机器。这在财务访问领域尤其重要，因为可以轻松地使用机器人和其他形式的AI来利用或操纵系统。

This is where Worldcoin's World ID comes in. By combining unique biometric scans with an immutable record on the blockchain, Worldcoin can create a robust and verifiable identity system that is resistant to fraud and abuse.

这是WorldCoin的World ID的来源。通过将独特的生物识别扫描与区块链上不变的记录相结合，WorldCoin可以创建一个可抵抗欺诈和滥用的强大而可验证的身份系统。

Now, to fully understand the differences in our Ethereum vs Worldcoin comparison, we need to consider their approaches to financial inclusion.

现在，要充分了解以太坊与世界币比较的差异，我们需要考虑它们的财务包容性方法。

While Ethereum is focused on decentralized finance and providing the technological foundation for a new financial order, Worldcoin takes a more consumer-centric approach, aiming to simplify crypto for everyday users.

尽管以太坊专注于分散财务，并为新的金融秩序提供了技术基础，但WorldCoin采用了一种以消费者为中心的方法，旨在简化日常用户的加密货币。

Having personally helped a few friends set up their Ethereum wallets and witnessed their struggles with gas fees and technical jargon, I can attest that the learning curve is steep.

亲自帮助一些朋友建立了以太坊钱包，目睹了他们在汽油费和技术术语中的斗争，我可以证明学习曲线很陡峭。

In contrast, Worldcoin's mobile app is designed to be user-friendly, requiring no prior knowledge of cryptocurrency or blockchain technology.

相比之下，WorldCoin的移动应用程序设计为用户友好，不需要先前了解加密货币或区块链技术。

Moreover, while Ethereum is a Layer 1 blockchain, Worldchain (Worldcoin's blockchain) operates as a consumer-focused Layer 2,

此外，虽然以太坊是第1层区块链，但世界链（WorldCoin's Blockain）作为以消费者为中心的第2层运行