虚拟货币钱包和本地钱包指的都是专门用来存储虚拟货币的钱包。
Virtual currency wallets and local wallets refer to wallets specifically designed to store virtual currency.
区别：本地钱包的是装在自己的电脑或手机上，在线钱包则是将私钥加密后放在服务器上。
Difference: Local wallets are installed on their own computer or cell phone, and online wallets are encrypted and placed on the server.
个人的电脑有可能被植入木马；而钱包服务器也有被黑客攻陷，加密私钥被破解的风险。服务器安全防护比个人电脑要好一些，但更容易引起黑客注意。
Personal computers are likely to be implanted in wooden horses; while wallet servers are also at risk of hacking and encryption private keys being broken. Server security is better than personal computers, but it is easier to draw the attention of hackers.
虚拟货币钱包和本地钱包都是指专业用于存储虚拟货币的钱包；但是二者在钱包范围方面有所不同。
Virtual currency wallets and local wallets refer to wallets used by professionals to store virtual currency; however, they differ in their scope.
虚拟货币钱包即通常所说用于虚拟货币存储的钱包，以币包钱包为例：
Virtual currency wallets, commonly referred to as wallets for virtual currency storage, take, for example, currency wallets:
虚拟货币钱包主要有三种类型：网络在线钱包、客户端钱包（手机客户端、电脑客户端）、硬钱包。
Virtual currency wallets have three main types: online wallets, customer wallets (mobile phone clients, computer clients), and hard wallets.
1、网络在线钱包：它是指用户以网络的形式进行虚拟货币相关于钱包操作；主要表现形式为网站，用户可以通过电脑、手机都可以进行访问。
1. Online wallets: it refers to virtual currency-related wallet operations by users in the form of networks; the main expression is the website, which can be accessed by users via computers and mobile phones.
2、客户端钱包：它是一个安装软件，需要用户下载到电脑、或者手机端，安装之后才能够使用的钱包类型；比特说手机App钱包，就是这种类型。
2. Client wallet: It is an installation software that requires a user to download to a computer or a mobile phone end to use the type of wallet that can only be used after installation; this is the type of wallet that Bitt refers to as a mobile phone App wallet.
3、硬钱包：类似U盘形式的钱包，它是真实存在的一种钱包类型。
3. Hard Wallet: a wallet in the form of a flash drive, which is a real type of wallet.
而本地钱包，多是指用户可以通过本地操作，即可实现虚拟货币存储的钱包类型；它与客户端钱包、硬钱包类型。
Local wallets, in many cases, are the types of wallets that users can use locally to achieve virtual currency storage; they are related to client wallets and hard wallets.
资料拓展： resource outreach: 1、网络虚拟货币大致可以分为： 1. Virtual Internet currency can be broadly divided into: 第一类是大家熟悉的游戏币。在单机游戏时代，主角靠打倒敌人、进赌馆赢钱等方式积累货币，用这些购买草药和装备，但只能在自己的游戏机里使用。那时，玩家之间没有“市场”。自从互联网建立起门户和社区、实现游戏联网以来，虚拟货币便有了“金融市场”，玩家之间可以交易游戏币。 The first is the game money that is familiar to you. In a solo game, the protagonists accumulate money by taking down their enemies, winning money from casinos, buying herbs and equipment, but only in their own games. At that time, there is no “market” between players. Since the creation of the Internet portals and communities and the networking of games, virtual money has become a “financial market” in which game money can be traded among players. 第二类是门户网站或者即时通讯工具服务商发行的专用货币，用于购买本网站内的服务。使用最广泛的当属腾讯公司的Q 币，可用来购买会员资格、QQ秀等增值服务。 The second type is a special currency issued by a portal or instant messaging service provider for the purchase of services within the site. 第三类互联网上的虚拟货币，如比特币（BTC）、莱特货币（LTC）等，比特币是一种由开源的P2P软体产生的电子货币，也有人将比特币意译为“比特金”，是一种网络虚拟货币。主要用于互联网金融投资，也可以作为新式货币直接用于生活中使用。 The third type of virtual currency on the Internet, such as Bitcoin (BTC), Light Currency (LTC), is an electronic currency generated by open-source P2P software. Bitcoin is also interpreted as “bitgin” as a virtual currency on the Internet. 2、一般货币与虚拟货币的价值基础不同，前者代表效用，后者代表价值。从行为经济学的观点推导，货币作为一般等价物，它所“等”之“价”，语言上虽称为价值，但实际上是指效用。而虚拟货币代表的不是一般等“价”之“效”，而是价值本身。虚拟货币不是一般等价物，而是价值相对性的表现形式，或者说是表现符号；也可以说，虚拟货币是个性化货币。在另一种说法中，也可称为信息货币。它们的共性在于都是对不确定性价值、相对价值进行表示的符号。这样说的时候，货币的传统含义已经被突破了。原有含义的货币，只能是新的更广义货币的一个特例。货币既可以作为一般等价物的符号，也可以作为相对化价值集的符号。 The value base of a general currency is different from that of a virtual currency, which is not a generic equivalent, but rather a manifestation of value relativity, or an expression of value; it may also be called a sexual currency. In another way, their commonality is a symbol of uncertainty and relative value. When said, the traditional meaning of a currency has been broken. Currency in the original sense can only be a special case of a new, broader currency. Currency can be used as a symbol of a generic equivalent, or as a symbol of a relative set of values.
虚拟货币钱包和本地钱包都是指用于存储虚拟货币的钱包；虚拟货币钱包主要有三种类型：网络在线钱包、客户端钱包（手机客户端、电脑客户端）、硬钱包。
温馨提示：
1、根据中国人民银行等部门发布的通知、公告，虚拟货币不是货币当局发行，不具有法偿性和强制性等货币属性，并不是真正意义上的货币，不具有与货币等同的法律地位，不能且不应作为货币在市场上流通使用，公民投资和交易虚拟货币不受法律保护。
2、在投资之前，建议您先去了解一下项目存在的风险，对项目的投资人、投资机构、链上活跃度等信息了解清楚，而非盲目投资或者误入资金盘。
3、以上解释仅供参考，投资者不应以该等信息取代其独立判断或仅根据该等信息做出决策，不构成任何投资操作。
应答时间：2021-04-07，最新业务变化请以平安银行官网公布为准。
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虚拟货币钱包和本地钱包都是指专业用于存储虚拟货币的钱包；但是二者在钱包范围方面有所不同。
Both the virtual currency wallet and the local wallet refer to wallets used by professionals to store virtual money; however, they differ in their scope.
虚拟货币钱包即通常所说用于虚拟货币存储的钱包，以币包钱包为例；
虚拟货币钱包主要有三种类型：网络在线钱包、客户端钱包（手机客户端、电脑客户端）、硬钱包。 Virtual currency wallets have three main types: online wallets, customer wallets (mobile phone clients, computer clients), and hard wallets. 1、网络在线钱包：它是指用户以网络的形式进行虚拟货币相关于钱包操作；主要表现形式为网站，用户可以通过电脑、手机都可以进行访问。 1. Online wallets: it refers to virtual currency-related wallet operations by users in the form of networks; the main expression is the website, which can be accessed by users via computers and mobile phones. 2、客户端钱包：它是一个安装软件，需要用户下载到电脑、或者手机端，安装之后才能够使用的钱包类型；比特说手机App钱包，就是这种类型。 2. Client wallet: It is an installation software that requires a user to download to a computer or a mobile phone end to use the type of wallet that can only be used after installation; this is the type of wallet that Bitt refers to as a mobile phone App wallet. 3、硬钱包：类似U盘形式的钱包，它是真实存在的一种钱包类型。 3. Hard Wallet: a wallet in the form of a flash drive, which is a real type of wallet. 而本地钱包，多是指用户可以通过本地操作，即可实现虚拟货币存储的钱包类型；它与客户端钱包、硬钱包类型。
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