先拿個號碼牌, 填寫單子, 那單子要用筆寫帳號 日期,中文名, 金額, 還要中文金額, 你可以想像一個法國人進入台灣的銀行, 要他填單子, 要他寫"陸拾捌圓整", 這類的文字將是多麼困難的事. 因此,也可以理解金融業充滿很多創新的可能與機會.
To understand how it works and why it is more efficient and less expensive than the existing system, let’s take a single example: buying a cup of coffee at your local coffee shop. If you pay with a credit card, the transaction seems simple enough: You swipe your card, you grab your cup, you leave.
In fact, the financial system is just getting started with you and the coffee shop. Before the store actually gets paid and your bank balance falls, more than a half-dozen institutions—such as a billing processor, the card association ( Visa , MasterCard , etc.), your bank, the coffee shop’s bank, a payment processor, the clearinghouse network managed by the regional Federal Reserve Banks—will have shared part of your account information or otherwise intervened in the flow of money.
If all goes well, your bank will confirm your identity and good credit and send payment to the coffee shop’s bank two or three days later. For this privilege, the coffee shop pays a fee of between 2% and 3%.
Now let’s pay in bitcoin, assuming that your favorite coffee shop accepts it (more than 82,000 merchants world-wide already do). If you don’t already have bitcoins, you will need to buy some from one of a host of online exchanges and brokerages, using a simple transfer from your regular bank account. You will then assign the bitcoins to a wallet, which functions like an online account.
Once inside the coffee shop, you will open your wallet’s smartphone app and hold its QR code reader up to the coffee shop’s device. This allows your embedded secret password to unlock a bitcoin address and publicly informs the bitcoin computer network that you are transferring $1.75 worth of bitcoin (currently about 0.0076 bitcoin) to the coffee shop’s address. This takes just seconds, and then you walk off with your coffee.
What happens next is crucial. In contrast to the existing system, your transaction is immediately broadcast to the world (in alphanumeric data that can’t be traced to you personally). Your information is then gathered up by bitcoin “miners,” the computers that maintain the system and are compensated, roughly every 10 minutes, for their work confirming transactions.
The computer that competes successfully to package the data from your coffee purchase adds that information to the blockchain ledger, which prompts all the other miners to investigate the underlying transaction. Once your bona fides are verified, the updated blockchain is considered legitimate, and the miners update their records accordingly.
It takes from 10 minutes to an hour for this software-driven network of computers to formally confirm a transfer from your blockchain address to that of the coffee shop—compared with a two- to three-day wait for the settlement of a credit-card transaction. Some new digital currencies are able to finalize transactions within seconds.
There are almost zero fees, and the personal information of users isn’t divulged. This bitcoin feature especially appeals to privacy advocates: Nobody learns where you buy coffee, the name of your doctor or—if you’re into that sort of thing—where you buy your illegal drugs.
The advantages of digital currency are far more visible in emerging markets. It allows migrant workers, for example, to bypass fees that often run to 10% or more for the international payment services that they use to send money home to their families.
- the distrust among strangers in commercial transactions with one another.
What most excites these investors is bitcoin’s promise as a platform whose future applications are almost unimaginably broad. Already, hundreds of specialized apps are being built on top of the digital-currency blockchain software, which is seen in this context as a kind of base operating system.
the rise of digital currency may be a matter of evolutionary destiny. The Internet has disrupted and decentralized much of the world economy, but the centralized world of finance remains stuck in the 15th century. Digital currency can help it adapt and survive.
基本上,我會把比特幣當成是一種輔助, 就像信用卡一樣, 但交易還比信用卡快, 對某些行業的流程改造會有很大影響. 但要留心他的缺點, 巴菲特已經說了: 想致富遠離比特幣.
” Owning bitcoin doesn’t mean having a digital banknote in a digital pocket"
Coindesk : http://www.coindesk.com/
Coinbase : https://www.coinbase.com/
原文出處 : http://x.co/6LhGN