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商业 - 科技

什么是Libra,有什么用?

假如这种新的数字钱银流行起来,有或许会改动人们储蓄、消费和转账的方法,或将给科技和银职业带来严重推翻。

经过数月猜想,Facebook总算在周二上午宣告了新加密钱银的细节。这种数字钱银名为“Libra”,下一年开端向Messenger、WhatsApp和Instagram等Facebook服务的数十亿用户供给。

假如这种新的数字钱银流行起来,有或许会改动人们储蓄、消费和转账的方法,或将给科技和银职业带来严重推翻。

以下是有关Libra的一些问题及回答,以及对普通人意味着什么。

Facebook的Libra加密钱银的含义安在?

假如公司和用户承受,Libra能够变成更便利的在线付出方法。Facebook很或许计划在Instagram和WhatsApp上出售产品,但其他网站也或许将该加密钱银用于电子商务。

除了电子商务之外,Libra还能够被用作储值和汇款手法,并且无需付出高额费用,特别对短少银行基础设施的发展我国家公民来说用途更大。因而假如想把钱汇到另一个国家,与现有的汇款方法比较,用Libra或许更廉价。

Facebook的Libra和比特币有联系吗?

Libra的买卖会记载在区块链上,区块链是多台核算机上运转的防篡改账簿,比特币和其他加密钱银运用的也是该项技能。所以,确有相似之处,比方资金搬运和创立安全的买卖记载都很快捷等。

但两者也有一些重要的不同之处。举例来说,Libra的价格比比特币更安稳,由于Libra背面有储备基金供给支撑,而比特币的价格会随意起浮。

此外,比特币被记载在公共区块链上,任何人都能够在区块链上开发。另一方面,假如有开发者想在Libra的区块链上开发功用,有必要先向Facebook以及担任办理Libra的协作伙伴请求。

隐私问题呢?Facebook会知道我的买卖记载吗?

看具体情况。Facebook将建立一家独立公司运作新的Calibra数字钱包运用,并许诺除非取得答应,不然不会把经过该运用搜集的用户数据同享给Facebook和Instagram等其他运用。因而从理论上来说,只要Calibra才会知道买卖记载。但许多Calibra的用户或许会运用运用里整合的查找Facebook老友功用,这样一来数据就会被兼并。

Libra能够存入其他公司开发的数字钱包运用,然后加强隐私维护。

Libra值多少钱?

Facebook及其协作伙伴将用实在国际中的资金为Libra供给支撑,向用户许诺该数字钱银能够换到现金。Libra以三条波涛线为钱银符号,每日价格锚定美元、英国英镑、欧元和瑞士法郎组成的一篮子钱银平均价格。

Calibra 数字钱包会显现用户具有多少Libra,以及按辅币核算的实践价值是多少(下图以墨西哥比索为例):

After months of speculation, Facebook finally announced details about its new cryptocurrency on Tuesday morning. The digital currency, called Libra, will be available starting next year to the billions of people who use Facebook services like Messenger, WhatsApp, and Instagram.

If the new currency catches on, it has the potential to change how people save, spend, and send money, and could disrupt big parts of the tech and banking industries.

Here is a Q&A about Libra, and what it means for you.

What’s the point of Facebook’s Libra cryptocurrency?

If adopted by companies and users, Libra can become a more convenient way to pay online. Facebook likely plans to sell products on Instagram and WhatsApp, but other websites could also use the cryptocurrency for e-commerce.

But beyond e-commerce, especially for people in developing countries that lack a banking infrastructure, Libra could be useful for storing and transferring money, without paying high fees. So, if you want to send money to another country, Libra may be a cheaper way to do it than what’s currently available.

Does Facebook’s Libra have anything to do with Bitcoin?

Libra transactions will be recorded on a blockchain—a tamper-proof ledger that runs across multiple computers. This is the same technology that Bitcoin and other cryptocurrencies are built on. So, yes, there are some similarities, including the ease of moving money and creating secure transaction records.

But there are also key differences. For instance, the price of Libra is more stable than Bitcoin, since Libra is backed by a reserve fund, while the value of Bitcoin just floats.

Also, Bitcoin is recorded on a public blockchain that allows anyone to build on it. On the other hand, to build on many features of Libra’s blockchain, developers must seek permission from Facebook and its partners who administer it.

What about privacy? Will Facebook know what I’m spending?

That depends. Facebook is setting up its new Calibra wallet as a separate company, and is promising not to combine user data with its other apps, like Facebook and Instagram—unless you give it permission. So, in theory, only Calibra will have a record of your transactions. But many Calibra users may decide to use its integrated Facebook friend-finding feature, and if they do, their data will be combined.

Libra may be stored in competing digital wallet apps built by other companies that provide higher levels of privacy.

How much are Libra worth?

Facebook and its partners are backing Libra with a pool of real world money, promising users that they will always be able to trade the cryptocurrency in for cash. The day-to-day value of Libra, which uses the monetary symbol of three waves, is pegged to the average value of a basket of world currencies, made up of U.S. dollars, U.K. pounds, euros, and Swiss francs.

Calibra’s wallet shows how many Libra users have, as well as their value is in the local currency (in this case Mexican pesos):

怎样才干运用Libra?

还要等上一段时刻才行,由于Facebook表明要到2020年中期才会推出,到时用户能够下载Calibra并相关银行账户来进行购买,Calibra的实践运用方法很像Venmo。

需求指出的重要一点是,Facebook 的Calibra并非购买和消费Libra的仅有途径。Facebook现已与PayPal和Coinbase等数十家公司达到协作,估计多家协作伙伴都将开发自己的数字钱包。以下图表列出了一切的初始协作伙伴:

How do I get my hands on some Libra?

You’ll have to wait awhile as Facebook says the new digital money will only be ready by mid-2020. When it’s ready, users can download Calibra—which will work a lot like Venmo—and buy some by connecting your bank account.

It’s important to note that Facebook’s Calibra is not the only option for obtaining and spending Libra. Facebook is working with dozens of partners, including PayPal and Coinbase, many of which are expected to build digital wallets of their own. Here is a diagram that shows all of the initial partners:

各家公司都将答运用户实现Libra,未来几个月中估计还将有许多公司参加。

此外,当Facebook在2020年中期实践出Libra时,很或许还会向用户少数赠送以做推行。(188bet首页网)

译者:艾伦

审校:夏林

All of these companies will also let users convert Libra into regular cash, and many other companies are expected to join the coming months.

In addition, there is a very good chance Facebook will give away some small amounts of Libra to its users to promote the currency when it launches in mid-2020.

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