1. 金钱本质：从物物交换到金融体系
Monetary nature: from material exchange to the financial system
金钱，这个看似寻常的交换媒介，实则见证了人类社会从原始的物物交换演变为如今精密复杂的金融体系的漫长历程。我们手中的纸币或硬币，无非是我们用时间和智慧（即劳动）换取的价值载体，用于在市场上换取所需商品，如苹果。
Money, which is an unusual medium of exchange, has witnessed the long journey of human society from the exchange of raw objects to today’s sophisticated and complex financial system. The coins or coins in our hands are value carriers that we trade in time and wisdom (i.e. labour) for goods needed in the market, such as apples.
2. 加密货币的超越：以以太坊为例
2. Exceeding the encrypt currency: using Tai Ho as an example
步入加密世界，加密货币（Coins）与代币（Tokens）展现出远超传统货币的功能。以以太坊（ETH）为例，它不仅像人民币等法币那样具备储值属性，更能在区块链网络中驱动交易、孵化创新应用、实现智能合约部署等多元功能。
Entering the encryption world, the encryption currency (Coins) and the tokens (Tokens) display functions far beyond the traditional currency. By way of example, it has not only storage properties like the renminbi, but also multiple functions such as driving transactions, incubating innovative applications, and deploying smart contracts in a network of blocks.
二、加密货币类别与特性1. 可互换加密货币：比特币与以太坊
1. Interchangeable encrypted currency: Bitcoin and Etheria
提及加密货币，大众往往想到的是比特币、以太坊这类可互换的品种。如同乔治的一美元与安娜的一美元并无二致，杰克的一个ETH与梅的一个ETH同样等值。它们的核心特征在于其同质性与广泛的接受度。
When it comes to encrypted money, the public often thinks of exchangeable varieties like bitcoin, e-Taiwan. As George’s dollar is equal to Anna’s dollar, Jack’s ETH is equal to that of May’s ETH. Their core characteristic is their homogeneity and widespread acceptance.
2. 稳定币：锚定价值，降低波动性
2. Stable currency: anchor value to reduce volatility
稳定币，如与美元1:1挂钩的USDC，旨在维持相对稳定的市场价格，降低了作为交换媒介的波动风险，增强了其实用性。
Stable currencies, such as the USDC, which is pegged to the US dollar of 1:1, are designed to maintain relatively stable market prices, reduce the risk of volatility as a medium of exchange and increase its usefulness.
3. 创造专属代币：ERC-20标准与实例
3. Creation of exclusive tokens: ERC-20 standards and examples
以太坊等区块链网络允许用户创建自己的可互换代币，如风靡一时的ERC-20代币“SHIB”。目前，各类区块链网络上已诞生超过2万种服务于不同场景的加密货币。可见，拥有专属网络并非发行代币的必要条件。
By allowing users to create their own interchangeable tokens, such as the one-time ERC-20 “SHIB” in a network of blocks and blocks, more than 20,000 encrypted currencies have been created to serve different scenarios. Thus, ownership of exclusive networks is not a sine qua non for the issuance of tokens.
三、加密代币：多样类型与独特应用1. NFT：不可替代代币的独特魅力
1. NFT: Unique charisma that cannot replace the token
NFT（不可替代代币）作为一种特殊的代币形式，非加密货币，却代表了价值的多样性。它能将艺术、音乐、游戏资产等各类数字资产转化为独一无二的区块链凭证，赋予其明确的所有权与流通性。
NFT, as a special token, non-encrypted currency, represents a diversity of values. It transforms a variety of digital assets, such as art, music, game assets, into a unique chain of evidence, giving them clear ownership and circulation.
2. 实用代币：开启服务新纪元
2. Practical tokens: A new era of service start-up
实用代币则聚焦于提供特定服务，如赋予持有者访问区块链或执行特定操作的权利。诸如LP代币，便在DeFi（去中心化金融）领域为平台提供流动性，展现了代币在金融服务中的广阔应用前景。
Practical tokens focus on the provision of specific services, such as giving holders the right to access the block chain or to perform specific operations. LP tokens, for example, provide the platform with liquidity in the area of DeFi (decentralization of finance), presenting a broad perspective for the use of tokens in financial services.
3. 展望未来：万物皆可链
3. Looking to the future: a chain for everything
试想未来，汽车、房产乃至一切有价值的实物资产都可能以代币形式存储于区块链上，享有数据不可篡改的安全保障。届时，公证人或许将成为历史，产权与契约将安放于“链上保险箱”。这无疑是金融科技的壮丽图景，令人期待！
Imagine that, in the future, cars, real estate, and all valuable physical assets could be stored in tokens on the block chain, with security of data that cannot be tampered with. At that point, the notary might become history, and property rights and contracts would be placed in a “chain-on safe.” This is certainly a spectacular picture of financial technology.
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