加密货币（有时称为 crypto）是以数字或虚拟方式存在并使用加密技术来保护交易的任何形式的货币。加密货币没有中央发行或监管机构，而是使用去中心化系统来记录交易并发行新单位。
Encrypted currency (sometimes referred to as crypto) exists in digital or virtual form and uses encryption technology to protect any form of currency traded.
加密货币是一种数字支付系统，它不依赖银行来验证交易。它是一个对等系统，可使任何地方的任何人发送和接收付款。加密货币支付不是在现实世界中携带和交换的实物货币，而是纯粹作为描述特定交易的在线数据库的数字化条目存在。当您转移加密货币资金时，交易将记录在公共分类帐中。加密货币存储在数字钱包中。
Encrypted currency is a digital payment system that does not rely on banks to verify transactions. It is a reciprocal system that allows any person anywhere to send and receive payments. Encrypted currency payments do not exist as physical money that is carried and exchanged in the real world, but simply as a digitized entry in an online database that describes a particular transaction.
加密货币因使用加密来验证交易而得名。这意味着，在钱包之间以及向公共分类帐存储和传输加密货币数据的过程涉及高级编码。加密的目的是提供安全性。
Encrypted currency is named for using
第一个加密货币是 比特币，它成立于2009年，至今仍然最有名。对加密货币的大部分兴趣是为了利润而交易，投机者不时会推动价格飙升。 The first encrypted currency is , which was established in 2009 and is still the most famous . Much of the interest in encrypted money is in profits, and speculators from time to time push prices up. 加密货币运行在称为区块链的分布式公共分类账上，这是货币持有者更新和持有的所有交易的记录。 The encrypted currency operates on a distributed public ledger known as the block chain, which is the record of all transactions updated and held by the currency holder. 加密货币的单位是通过一个称为采矿的过程创建的，该过程涉及使用计算机电源来解决产生硬币的复杂数学问题。用户也可以从经纪人那里购买货币，然后使用加密钱包存储和花费它们。 The units of encrypted money are created through a process called mining, which involves the use of computer power to solve complex mathematical problems that generate coins. Users can also buy money from brokers, and then store and spend them using encrypted wallets. 如果您拥有加密货币，您不会拥有任何有形的东西。您拥有的是一个密钥，它允许您在没有受信任的第三方的情况下将记录或度量单位从一个人移动到另一个人。 If you have an encrypted currency, you will not have anything tangible. You have a key that allows you to move a record or measurement unit from one person to another without trusting a third party. 虽然比特币自 2009 年以来就存在，但加密货币和区块链技术的应用仍在金融方面不断出现，预计未来会有更多的用途。包括债券、股票和其他金融资产在内的交易最终可能会使用该技术进行交易。 Although Bitcoin has existed since 2009, the application of crypto-currency and block chain technology is still emerging in financial terms and is expected to be more useful in the future. Transactions, including bonds, stocks and other financial assets, may eventually be traded. 加密货币有成千上万种。一些最著名的包括： There are thousands of encrypted currencies. Some of the most well-known are: 比特币： bitcoin: 比特币创立于 2009 年，是第一个加密货币，现在仍然是交易最多的加密货币。这种货币由中本聪开发，但是人们普遍认为这是一个人或一群人的假名，确切身份仍然不明。 Bitcoin was created in 2009 as the first encrypted currency, and is still the most traded one. This currency is developed by China-Hebon, but it is widely believed to be a man or a group of people whose exact identity remains unknown. 以太坊： Ethio: 以太坊开发于 2015 年，是一个拥有自己的加密货币的区块链平台，称为以太（ETH）或以太坊。它是比特币之后最受欢迎的加密货币。 It was developed in 2015 as a block chain platform with its own encrypted currency, called Ether or Ether. It is the most popular encrypted currency after Bitcoin. 莱特币： Letcoin: 这种货币与比特币最相似，但在开发新创新时行动更快，包括更快的支付和流程，以允许更多的交易。 Such currencies are the most similar to bitcoin, but move faster when developing new innovations, including faster payments and processes, to allow for more transactions. Ripple: Ripple 是一个分布式账本系统，成立于 2012 年。Ripple 可用于跟踪不同类型的交易，而不仅仅是加密货币。它背后的公司与各银行和金融机构有过合作。 Ripple is a distributed account system that was created in 2012. Ripple can be used to track different types of transactions, not just encrypted currencies. 非比特币的加密货币被统称为"altcoin（代币）"，以区别于原始加密货币。 The non-bitcoin encrypt currency is commonly referred to as "altcoin" to distinguish it from the original encrypt currency. 您可能想知道如何购买加密货币安全。通常涉及三个步骤。这些是： You may want to know how to buy encrypted currency security. There are usually three steps involved. These are: 第一步是决定使用哪个平台。通常，您可以在传统经纪人或专用加密货币交易所之间进行选择： The first step is to decide which platform to use. 在比较不同平台时，请考虑它们提供哪些加密货币、收取哪些费用、其安全功能、存储和取款选项以及任何教育资源。 When comparing different platforms, consider which encrypted currencies they provide, what fees they charge, their security functions, storage and withdrawal options, and any educational resources. 一旦选择了平台，下一步就是为您的帐户提供资金，以便您可以开始交易。大多数加密货币交易所允许用户用他们的借记卡或信用卡使用法定（即政府发行的）货币（如美元，英镑或欧元）购买加密货币，尽管这因平台而异。 Once the platform has been selected, the next step is to fund your account so that you can start trading. 使用信用卡进行加密货币购买被认为有风险，有些交易所不支持它们。一些信用卡公司也不允许加密货币交易。这是因为加密货币的波动性很高，对于某些资产，冒险负债（或可能支付高额的信用卡交易费用）是不可取的。 Some credit card companies are also not allowed to encrypt currency transactions. This is because encrypted currencies are highly volatile and risk-taking liabilities (or potentially high credit card transaction costs) are not desirable for certain assets. 一些平台也将接受 ACH 转账和电汇。接受的付款方式和存款或取款所需的时间因平台而异。同样，存款清算所需的时间因支付方式而异。 Some platforms will also accept ACH transfers and wire transfers. The mode of payment and the time required for deposit or withdrawal will vary from one platform to another. 要考虑的一个重要因素是费用。这些包括潜在的存款和取款费用加上交易费用。费用会因付款方式和平台而异，这是一开始就需要研究的内容。 An important factor to consider is cost. These include potential deposit and withdrawal costs plus transaction costs. 您可以通过经纪人或交易所的网页或移动平台下订单。如果打算购买加密货币，您可以通过选择"购买"、选择订单类型、输入您想要购买的加密货币数量然后确认订单来实现。同样的过程适用于"卖出"订单。 The same process applies to sales orders. 还有其他投资加密货币的方法。这些包括 PayPal、Cash App 和 Venmo 等支付服务，它们允许用户购买、出售或持有加密货币。此外，还有以下投资工具： These include payment services such as PayPal, Cash App and Venmo, which allow users to purchase, sell or hold encrypted currency. In addition, there are the following investment instruments: 您的最佳选择取决于您的投资目标和风险偏好。 Your best choice depends on your investment objectives and risk preferences. 一旦购买了加密货币，您需要安全存储它，以防范黑客或盗窃。通常，加密货币存储在加密钱包中，加密钱包是用于安全存储加密货币私钥的物理设备或在线软件。一些交易所提供钱包服务，使您可以轻松地直接通过平台进行存储。但是，并非所有交易所或经纪人都会自动为您提供钱包服务。 Once you have purchased an encrypted currency, you need to store it safely to guard against hacking or theft. Usually, the encrypted currency is stored in an encrypted wallet, which is either a physical device or an online software for the secure storage of the encrypted currency private key. 有不同的钱包提供商可供选择。人们使用术语"热钱包"和"冷钱包"： There are different wallet providers. People use the terms "hot wallet" and "cold wallet": 通常，冷钱包倾向于收取费用，而热钱包则不收取。 Normally, cold wallets tend to charge fees, while hot wallets are not. 当它首次推出时，比特币旨在成为日常交易的媒介，使人们可以购买从一杯咖啡到计算机甚至像房地产这样大额物品的所有东西。这还没有怎么实现，尽管接受加密货币的机构数量正在增长，但涉及它的大型交易还很少见。即便如此，也可以使用加密货币从电子商务网站购买各种各样的产品。以下是一些例子： When it was first introduced, Bitcoin was designed to be a medium for everyday transactions, allowing people to buy everything from a cup of coffee to a computer or even a big item like real estate. This has not been done much, although the number of institutions receiving encrypted money is growing, the large transactions involving it are rare. Even so, it can buy a variety of products from e-commerce sites using encrypted currency. The following are some examples: 科技及电子商务网站： 几家销售科技产品的公司在其网站上接受加密，例如newegg.com、AT&T 和微软。电子商务平台 Overstock 是首批接受比特币的网站之一。Shopify、乐天和家得宝也接受它。 Several companies selling technology products receive encryption on their websites, such as newegg.com, AT&T, and Microsoft. The e-commerce platform Overstock was one of the first sites to receive Bitcoin. 奢侈品： Luxury: 一些奢侈品零售商接受加密货币为支付形式。例如，在线奢侈品零售商 Bitdials 提供劳力士、百达翡丽和其他高端手表以换取比特币。 Some luxury retailers accept encrypted money as a form of payment. For example, online luxury retailers, Bitdials, offer Rolex, Budas and other high-end watches in exchange for Bitcoin. 汽车： car: 一些汽车经销商（从大众市场品牌到高端奢侈品经销商）已经接受加密货币付款。 A number of car dealers (from popular market brands to high-end luxury dealers) have accepted encrypted currency payments. 2021 年 4 月，瑞士保险公司 AXA 宣布开始接受比特币作为支付方式，适用于除人寿保险（由于监管问题）外的所有保险产品线。在美国销售家庭和汽车保险的 Premier Shield Insurance 也接受比特币支付保费。 In April 2021, the Swiss insurance company , applicable to all insurance lines except life insurance (due to regulatory problems). 如果您想在不直接接受加密货币的零售商处消费加密货币，您可以使用加密货币借记卡, 如 BitPay 在美国。 You can use an encrypted currency debit card, e.g. Bitpay, in the United States, if you want to consume an encrypted currency in a retail place that does not receive it directly. 不幸的是，加密货币犯罪正在上升。加密货币诈骗包括： Unfortunately, encryption money crime is on the rise. Encrypted currency fraud includes: 虚假网站： 以虚假证明和加密货币术语为特色，承诺巨大、有保证的回报，前提是您要不断投资。 false website: under the guise of false proof and encrypted currency terms, promise a substantial and assured return, provided that you continue to invest. 虚拟庞氏骗局： 加密货币犯罪分子推销不存在的数字货币投资机会，并通过用新投资者的钱还清旧投资者来创造巨额回报的假象。一个骗局操作 BitClub 网络在其肇事者于2019年12月被起诉之前筹集了超过七亿美元。 "名人"代言： 诈骗者在网上冒充亿万富翁或知名人士，承诺将把您对虚拟货币的投资增加一倍，而实际上窃取您发送的内容。他们还可能使用消息应用程序或聊天室散布谣言，说一个著名商人正在支持特定的加密货币。一旦鼓励投资者购买并抬高了价格，骗子就会出售他们的股份，货币的价值就会降低。 Celebrity: fraudsters posing as billionaires or eminent persons online have promised to double your investment in virtual money and actually steal what you send. They may also use news applications or chat rooms to spread rumours that a well-known businessman is supporting a specific encrypted currency. Once investors are encouraged to buy and raise prices, fraudsters sell their shares and the value of the money diminishes. 浪漫骗局： 联邦调查局警告人们防范 网上约会诈骗，在这种骗局中骗子会说服他们在约会应用程序或社交媒体上遇到的人投资或交易虚拟货币。联邦调查局的互联网犯罪投诉中心在 2001 年的前七个月内收到了 1,800 份以加密货币为重点的浪漫骗局的报告，损失达 1.33 亿美元。 在其他情况下，欺诈者可能会冒充合法的虚拟货币交易者或建立虚假交易所，诱骗人们给他们钱。另一种加密货币骗局涉及用加密货币对个人退休账户进行的欺诈性推销。然后是直接的加密货币黑客攻击，其中犯罪分子闯入人们存储虚拟货币的数字钱包来窃取它。 In other cases, the fraudster may pretend to be a legal virtual money dealer or set up a false exchange to lure people into giving them money. Another encrypted currency scam involves fraudulent marketing of an individual’s retirement account with an encrypted currency. 加密货币通常使用区块链技术构建。区块链描述了将交易记录到“区块”中并添加时间戳的方式。这是一个相当复杂的技术流程，但可以生成由加密货币交易组成的数字分类账，黑客很难对其进行篡改。 Encrypted currency is usually constructed using block chain technology. The block chain describes the manner in which transactions are recorded in a block and time stamped. This is a rather complex technical process, but it can generate a digital ledger consisting of encrypted currency transactions, which hackers are difficult to manipulate. 此外，交易需要双因子身份验证流程。例如，系统可能会要求您输入用户名和密码以开始交易。然后，您可能需要输入通过短信发送到您的个人手机的身份验证代码。 In addition, the transaction requires a dual factor identification process. For example, the system may require you to enter a user name and password to start the transaction. 虽然具有安全措施，但这并不意味着无法对加密货币进行黑客攻击。几次价格高昂的黑客攻击使加密货币初创企业付出了巨大代价。黑客们攻击 Coincheck 造成了 5.34 亿美元损失，攻击 BitGrail 造成了 1.95 亿美元损失，使他们成为 2018 年最大的两次加密货币黑客事件。 Although security measures are in place, this does not mean that hacking of encrypted money is not possible. Several costly hacking attacks have taken a huge toll on encryption start-ups. The hackers’ attack on Coincheck caused $534 million in losses, and the attack on BitGrail caused $195 million in losses, making them 卡巴斯基安全软件能保护您免受恶意软件感染、间谍软件、数据窃取，并使用银行级加密保护您的在线支付。 One of the best ways to maintain online security is to use integrated antivirus software. Kabaski security software protects you from malicious software infections, spy software, data theft, and uses bank-level encryption to protect your online payments. 相关文章： related article:
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