投资数字货币还是区块链

近几年数字货币和区块链技术受到了前所未有的关注，在投资者中也引起了强烈的反响，但是投资数字货币和区块链技术需要投资者对相关知识有一定的了解，以下是关于投资数字货币和区块链技术的三个关键词：

数字货币

数字货币是一种新型的虚拟货币，是基于现代数字技术，使用密码学原理创建和管理的一种货币形式。数字货币的发行量受到严格的控制，无法被篡改，不受政府或金融机构的控制，具有更高的安全性。数字货币的发展也推动了区块链技术的发展，使得投资者有机会参与到数字货币的投资中来，从而获得更大的收益。

区块链技术

区块链技术是一种分布式数据库技术，它可以将数据分布存储在多个节点上，通过对数据进行加密和验证，保证数据的安全性和可靠性。区块链技术的发展也推动了数字货币的发展，使数字货币更加安全可靠，投资者可以放心投资，获得更高的收益。

投资

投资数字货币和区块链技术是一种新兴的投资方式，投资者可以从中获得更高的收益。投资者在投资前需要对相关知识有足够的了解，并做好充分的风险评估，以免因投资失误而遭受损失。此外，投资者还需要选择可靠的交易平台，以确保投资安全可靠。

总而言之，投资数字货币和区块链技术是一种新兴的投资方式，投资者需要对相关知识有足够的了解，并做好充分的风险评估，以免因投资失误而遭受损失。

请查看相关英文文档

❶ Whether to speculate in digital currency has been bothering me for a long time

After the central bank launches digital currency, I feel that the convenience and speed of Alipay and WeChat payment may no longer exist. Once a digital currency is successfully piloted, it is likely to be launched on a large scale. When the scale is large, the hype will lose its meaning.

To put it into context, I have been investing in digital currencies for two months, and I am still losing money until now. When I first started investing, I didn’t know anything. I thought it was the same as buying stocks. In actual operation, it resulted in a loss of principal. It is recommended to invest in digital currency. It is still necessary to accumulate a certain amount of digital currency knowledge and integrate knowledge with action in order to be successful in the digital currency market. Move forward and retreat freely.

Capital control in the digital currency market is serious. When investing in digital currency contracts, institutions and bookmakers can see relevant real-time data in the background and carry out fixed-point sweeps and liquidations. However, it is not easy for a small retail investor to make money in the market. .

At present, the national supervision of digital currency is still relatively vague. When investing in the digital currency market, your own interests may not be protected by law. However, as long as you trade on an exchange, at least it seems feasible for now. of.

Finally, I would like to say that digital currencies are risky and investment needs to be cautious.

In 2021, the most popular non-currency circle is none other than the currency circle. From Bitcoin, to Dogecoin, and then to SHI coin, one after another became popular. Previously, Musk suspended the purchase of Tesla with Bitcoin, and later the three major financial industry associations jointly issued a joint statement to boycott the speculation of virtual currencies. Last night, the currency circle experienced a frightening night. Cryptocurrencies collectively plummeted, and Bitcoin plunged 30%, touching 30,000. The U.S. dollar rebounded violently after crossing the $42,000 mark, once rising to above $42,000, with a rebound rate of up to 40%. Afterwards, it fell back in shock, hovering around $38,000. The market value evaporated by hundreds of billions of dollars, the exchange went down, and more than 460,000 people liquidated their positions. The whole process was very thrilling, and investors in the currency circle had a sleepless night.

However, considering the huge volatility, Bitcoin is not the first choice for investment and is not suitable for everyone

Under the risk of global central banks releasing water and US dollar inflation, 21 million Bitcoins are fixed Attributes are considered by major institutions as digital gold to combat inflation risks. However, for most ordinary investors, Bitcoin is not a good investment choice.

The current virtual digital currency market, led by Bitcoin, has existed for more than ten years, so you are not the investor who entered the market with foresight, at least at the moment. Judging from the time point, it does not count. From a traditional time cycle perspective, those who were able to participate in the Bitcoin trading and investment market around 2012, or even in the mining industry, should be regarded as foresighted investors.

Secondly, we must understand that the cyclical nature of the virtual currency investment market is very strong. Led by Bitcoin, it is basically 4 years.A major bull market cycle, which is also related to the current Bitcoin halving market. This bull market cycle of Bitcoin originated from the breakthrough of the previous high of US$20,000, or from a technical point of view, the monthly upward trend formed after the breakthrough of the previous high of US$16,500.

From its lowest point of $3,800 in March last year to this year’s highest point of around $64,000, Bitcoin has risen nearly 17 times in less than a year. But subsequently, with the strengthening of global macro-regulation, the virtual digital currency market has been strongly cracked down and supervised, and judging from the current situation, this kind of supervision is mandatory and continuous.

The above expressions only let you understand that any capital investment market has a certain degree of cyclicality. As for whether you want to participate in the virtual currency investment market, it depends entirely on your own personal wishes and maximum risk tolerance. The risks in the virtual currency investment market are far greater than the risk capabilities that ordinary investors can bear.

In addition, the encrypted digital currency market is only one of the application areas of blockchain finance. Judging from the current time node, blockchain technology is indeed still in an early stage. Therefore, you can also allocate part of your energy and time to study the current blockchain technology. The threshold for participating in blockchain technology is very high and requires certain professional knowledge and literacy, but its application scenarios are also very broad and the pattern needs to be large. .

Buffett said that digital currencies such as Bitcoin have no value at all.

Why? Just because there is no central bank endorsement, what is the essence of currency? It's credit! What is the credibility of digital currencies such as Bitcoin?

Sometimes, you still have to listen to what the boss says. The reason why a boss can become a boss is because his ability in this profession is obvious to all.

So, stay away from speculative digital currencies.

Don’t feel anxious just watching others make money. Ultimately, it’s because you are restless! Then go make money doing what you are good at!

I will give you the answer directly. Never "speculate" in digital currencies. I will explain to you in all aspects why you should not speculate in virtual currencies. You will definitely get some inspiration. I will also share with you a few classic cases to see what people have experienced.

Of course, I know what you want to express is "speculation in virtual currency" rather than digital currency, but there is an essential difference between digital currency and virtual currency. Just like the recent issuance of digital currency in China, there is actually no difference between this digital currency and paper money. It is just that digital currency is more conducive to financial system management. Digital currency is still issued and supervised by a third party, while virtual currency is decentralized. Yes, it is unregulated. This is a bit far-fetched, let’s move on to the topic.

If you really want to rely on thisTo make a fortune, it is better to spend a little money to "hoard" virtual currencies. There is a saying in the currency circle: No one will ask how much this coin or that coin is worth, what everyone cares about is how many coins you have in your hand!

Someone once asked on a certain platform, are those who speculated in Bitcoin in the early days free of wealth? What do you think the answer is? No one in the answer below has achieved financial freedom, but everyone has been able to achieve financial freedom. The one word that prevents them from achieving financial freedom is "speculation". If their original intention was to "hoard", they would have achieved financial freedom long ago.

Let me share with you some of my early experiences with Bitcoin.

1. This friend has been exposed to Bitcoin very early, but just can’t get hold of it. Let’s take a look at his answer to whether playing Bitcoin in the early days can make people rich and free!

You see, most of the early players who speculated in Bitcoin did not make any money. Why? Because of human nature, because of cognition, because of greed!

There is this passage in Marx's "Das Kapital": "Capitalists are afraid of no profit or too little profit, just like nature is afraid of a vacuum. Once there is adequate profit, capitalists will become bold. If there is With 10% profit, he will ensure that it will be used everywhere; with 20% profit, he will become active; with 50% profit, he will take desperate risks; for 100% profit, he will He dares to trample on all human laws; with 300% profit, he dares to commit any crime and even risk hanging."

I think the above paragraph applies to individuals as well. If you take money to speculate in currencies, you are the capitalist, and you will go crazy for money. If you watch helplessly, your money will double, triple...10 times without any effort. ..100 times...will you be tempted? I believe most people will sell early. You don’t have to wait until 5 times, you will be excited after 2 times. And the above statements are all based on your profits. Of course, one day in the currency circle and one year in the stock market. If Bitcoin falls, how much can you bear?

2. Let me share with you the experience of a semi-early player. He entered the market in 2017. In fact, this time is very bad, but the bull market is short-lived after all. His kind of people are the most common kind of people I have ever seen.

He didn’t even finish writing this article. Most of the currency speculators lost all their money. It is always a small group of people who make money. The 80/20 rule does not apply in the currency circle. The Nine Laws also overestimate the currency circle.

This guy still lost to the greed of human nature. To put it bluntly, he just can’t hold it. If he had owned Bitcoin, wouldn’t he have achieved wealth freedom now? There are no ifs in life, because most of them are ordinary people.

3. Let’s share some strange phenomena in the currency circle at the end of 2017, when the guy in Case 2 went bankrupt.

As long as youIf you dare to speculate in coins, virtual currencies will raid your home. Human greed is most vividly expressed in the face of money.

There are really countless cases like this. Do you still want to speculate in Bitcoin? Do you still want to speculate in virtual currencies?

I won’t let you speculate, but I don’t mean that I won’t let you touch this thing. Who are the people who are getting rich in the currency circle? Then let me tell you, there is a type of people on the capital side, those who open exchanges, some are liars and some are doing real things. The other type of people is a very small number of lucky people, that is, people who have forgotten that they bought virtual currencies such as Bitcoin. In the currency circle, I often see a buddy who suddenly remembers that he bought Bitcoin, Dogecoin, and Ethereum a few years ago... After finding an exchange or wallet, he finds that it has become millions or tens of millions. Tens or even hundreds of millions. This is real, otherwise you wouldn’t have seen that a friend once bought a lot of Dogecoin. Finally, he suddenly remembered, but found that the exchange had already run away.

In short, the currency circle is very deep. If you really want to play, spend a little money to buy some coins that you think are awesome and put them in a cold wallet. Do whatever you want, and don’t affect your life. Looking back in five years, maybe you have reached zero, maybe you have become rich!

Playing with digital currency requires you to have a strong endurance. Choose a share according to your wealth ability. Don’t blindly invest all your belongings just because you are sitting at home earning tens of thousands a day. Going in, I saw a friend who bought all the cars and borrowed more than 80,000 yuan in online loans. He said that this was a currency that he had been observing for half a year and was absolutely guaranteed to make money. He also asked me if I wanted to make money with him! I wasn't moved at the time because I didn't understand anything about this, until I was having dinner with my best friend one day and heard a piece of news that shocked me: because of this, his wife chose to divorce, and two days later he committed suicide by jumping off a building, which pitifully cost a 70-year-old family member. There is no one to take care of the elderly people, and the children have become their own!

Here I am not advising you not to speculate in currencies. What I want to say is to think twice about everything. It is best to communicate with your family. Once you make a decision, don’t invest all your belongings and give it to yourself. Leave some room with your family and treat it as starting a business. There are definitely risks. It depends on whether you can accept it.

Objectively speaking, if you are not sure, you can buy less and save it. Don’t buy too much. Buy it with money that won't affect your normal life. If it's gone, it's gone. If it becomes mainstream one day, you'll be on board. Because nothing is absolute, even if his success rate is only 0.0000001%, it is still possible, right? So look at it objectively, don’t reject new things, and weigh the risks. Because in the early years, everyone refused to listen when everyone was asked to buy a house. In fact, there was not much money, but such an opportunity was missing. If you are optimistic about the future, buy more. If you are not sure, buy less. But don’t spend big money. You must use money that is not painful to buy. Big money is not an investment. . That's gambling. .

Also, when everyone measures housing prices, the underlying objects are legal currencies, that is, US dollars and the like. This kind of thing will increaseIt’s issued, and it’s not transparent. Do you really believe the national credit endorsement? Even a country is made up of people. As long as people are human, they have weaknesses. This is human nature. You can’t even imagine the amount of excess issuance. On the surface, the annual inflation is 8%, but in fact it may be far more than this. Do you think house prices have gone up? Do you think the currency price has gone up? Maybe it hasn’t increased at all, it’s just that there are more fiat currencies and it’s depreciated.

Money is the least valuable

There is something called fatalism in trading philosophy.

When you see so many people making so much money in it, and how easy it is, you just buy some and keep gambling just in case. If it skyrockets, won’t wealth be free? You don’t have to think too much when you buy a few thousand yuan. If it increases a thousand times, you can earn millions. It is common for such a long series of numbers to have a few more zeros and a few less zeros. [Crying]

You can always think about beautiful things. Back to reality, I would like to remind brothers who want to get rich like this, do you think you have such a destiny? If you have this kind of fate, you should have a golden key in your mouth, be born into a wealthy family, and never worry about money. If you have this kind of fate, you should just buy a Mark Six lottery ticket for two yuan, and you can win millions. Trading is a craft, and those who buy and hold until they get rich just want to know whether they are destined to get rich. They have nothing to do with trading, they just live in hope. Of course, there is nothing wrong with this. We should all be hopeful for tomorrow. If spending a few thousand can buy you hope, that's fine too. Wish you luck [Compare your heart]

Those who make money in the currency circle have a clear understanding of their goals. If you feel troubled, it means you have vague cognition, and it is best not to participate in currency speculation, as the probability of losing money is high.

❷ A beginner’s guide to investing in digital currency (blockchain), just read this article

Compared with other investment methods, the entry threshold for blockchain and digital currency investment is relatively high, and there are many Friends all want to invest in digital currencies but don’t know where to start or what to learn. Although 51Coins has updated a lot of relevant knowledge in the "Beginners Playing Coin" section, it is not systematic enough

This time we will systematically organize the information related to blockchain and digital currency investment. In summary, let everyone understand and invest in digital currency faster and more conveniently

1. Understand the blockchain and digital currency

No matter what you invest in, you must understand it. The same goes for blockchain and digital currencies. There are many introductions about blockchain on the Internet, some are too profound, and some are not comprehensive enough. I personally think the video "100 Questions on Blockchain" produced by Huobi is better

100 videos , all of which are blockchain-related knowledge, including: the birth of Bitcoin, operating principles, blockchain FAQs, mining, wallet introduction, etc., and are all in the form of animated videos, making it easier for everyone to understand. Although the explanation is not detailed enough, it can give you a preliminary understanding of digital currency and blockchain

2. Choose a trading platform

After you have an understanding of digital currency, you can try to purchase a small amount of digital currency on the trading platform to experience the process. The purchase and sale of digital currencies must be completed through a trading platform, which is equivalent to a stock exchange in the stock market. It is recommended to choose a large trading platform for the trading platform, which has a comprehensive range of currencies, convenient transactions, and guaranteed fund security

The following three platforms are recommended: Binance, Huobi, and OKEX (ranked in no particular order)

< p> 3. Choose a wallet

If digital currency is compared to cash, a wallet is equivalent to a bank card, used to store digital currency. There are many types of wallets, and the most commonly used ones now are mobile APP wallets (light wallets). Wallets are also divided into types. Different similar digital currencies cannot be transferred to the same wallet. For example, if imtoken is an Ethereum wallet, it can only store Ethereum and tokens issued based on Ethereum, but not other currencies

< p> There are also wallets that claim to support all digital currencies, but most of these wallets are not yet complete.

Of course, after we buy digital currency, we don’t need to deposit it in the wallet, but directly put it in the exchange account, which can save the handling fee and not be so troublesome. Large exchanges such as Huobi and OKEX are relatively It is safe. I personally basically put digital currencies on exchanges

4. Determine the investment plan

Before investing in digital currencies, we must first determine our investment plan and plan to invest. How much money, how much loss you can accept, what is the expected return, and how long the investment time frame is, determine it before investing. Digital currency is a high-risk, high-yield investment product. In the novice stage, you can invest only your spare money that does not affect your life. There is no limit on the amount of investment, and the minimum investment is a few hundred yuan.

Wait until you truly understand the market before making the appropriate investment. Increase the investment amount, but remember to keep the investment amount within your tolerance

5. Select the investment currency

After selecting the trading platform and confirming the investment plan, you can purchase Digital currency, so which one should we buy among so many digital currencies? When buying coins for the first time, it is recommended to choose mainstream coins. You can choose a few coins that you like among the top 20 in the market or recognized value coins

Find out what these coins are for and whether they are available. What is the actual value, what news has recently affected the currency price trend, etc.

Understand these issues before buying, and be sure to pay attention to the purchase price before buying

6. Common tools, Website

1. Non-small account: You can view information related to each currency and exchange, including currency price, historical price, increase and decrease, circulation volume, ranking and other information

2 , AICoin: The function is similar to that of non-small accounts. The K-line of aicoin is very convenient and easy to use. It is the first choice for viewing K-line charts

3. Coin World: real-time updates of various blocksChain, digital currency related news and information

4. Golden Finance: a relatively comprehensive blockchain media platform, including news, news, quotes, celebrity columns, etc.

7. Learn more Related knowledge

Even if you have initially learned about digital currency investment with the above 6 points as a basis, we still need to learn more knowledge if we want to truly make money by investing in digital currencies. The two most important points are to deepen the understanding of blockchain and technical analysis (K line)

These two are too broad and cannot be learned overnight, so I will not introduce them, K You can find a lot of online knowledge online. As we invest longer, understand more currencies, and come into contact with more related matters, we will gradually deepen our understanding of blockchain.

❸ Blockchain and digital currency Relationship

1. Digital currency and blockchain are organically combined and closely connected. Blockchain is the bottom technology of digital currency and the most important technical means. The most successful practice of blockchain is innovation in the field of currency. As one of the technologies of digital currency, the use of digital currency also includes mobile payment, trusted and controllable cloud computing, cryptographic algorithms, etc. The popularity of Bitcoin has made people Understand the technical framework and broad application prospects of blockchain.

2. Blockchain is actually an emerging digital accounting book. This kind of accounting book has powerful functions and is equivalent to a cloud storage function. Because after each transaction for a certain period of time is completed, All transactions within this period are recorded and completely copied on all nodes. This is a "block". Therefore, there is almost no possibility of information being tampered with, unless there is a way to hack into almost all nodes. Blocks are connected end to end to form a blockchain.

3. The biggest feature of digital currency is that it is programmable. It is a computer program and a piece of code. Because it can be programmed, it is an intelligent currency. Because it is intelligent, settlement confirmation and clearing transactions are completed at the same time.

4. Everything has evolved from programmable currency to programmable finance, and from programmable finance to programmable economy. Xianhe

5. To sum up, digital currency is a form of encrypted currency. It is precisely because this digital currency needs to exist in an encrypted form. Therefore, digital currency needs to be distinguished. Supported by blockchain technology, blockchain technology is also the most advanced technology in the world. Many well-known companies in the world are studying this technology. The development prospects of this technology are unlimited.

❹ Digital currency and blockchain

Digital currency is a form of expression represented by blockchain 1.0, mainly Bitcoin; as a virtual currency system, Bitcoin The total amount is limited by the network consensus protocol. No individual or institution can change or modify the supply and transaction records, so it runs successfully on the Bitcoin network.Many years later, blockchain, as the underlying technology that supports the operation of Bitcoin, is essentially an extremely clever distributed shared ledger and point-to-point value transmission technology. It will have a very large potential impact on finance and even all walks of life.
The application of technology represented by smart contracts in Blockchain 2.0
The era of Blockchain 3.0 has arrived. The model of collaborative operation of blockchain can be seen behind the operation of all walks of life. Therefore, the blockchain The chain will definitely change human life extensively and profoundly, so the entire life service will enter the blockchain era. In this Internet development process, blockchain + physical industries, blockchain e-commerce, and blockchain community operations can all apply blockchain technology.

❺ Are blockchain and digital currency speculation the same concept?

They are different. Blockchain is the underlying technology, and digital currency is one of its applications. Blockchain can be used for non-digital currency applications. To speculate in digital currencies, go to regular exchanges, such as Binance, Huobi, Bitoffer, etc.

❻ What is digital currency, digital finance and why blockchain digital currency is so important

From a financial perspective, blockchain and digital currency are actually a new generation of digital currencies. financial system. The digital financial system is built on the financial infrastructure of blockchain digital currency.

From the perspective of an enterprise, how do we understand the digital economy?

We know that the driver of the industrial economy is fossil fuels, and the driver of the digital economy is data. So how does data drive a business? I summarize it as computer modeling of data, using algorithms to organize the data, and at the same time computer programming of the company's business processes, turning the data into algorithm models, and then stringing together the algorithm models to turn the business processes into computer programs. Or become a smart contract, which is digital technology. This digital economy is not the digital economy from an economist’s perspective.

How to integrate these things requires a series of digital technologies. A series of digital technologies such as the Internet, Internet of Things, cloud computing, artificial intelligence and blockchain constitute the digital economy, or digital business.

Digital technology has three characteristics. The first is that it spans time and space, because data naturally has the ability to penetrate. For example, cross-border and cross-organization data flow cannot be blocked by national borders, so it crosses time and space. At the same time, data is penetrable. It can penetrate the market vertically, eliminating all intermediaries and hierarchies in the middle, and then Let transactions become peer-to-peer, and buyers and sellers no longer need intermediaries. It can penetrate the market vertically and shorten the industrial chain horizontally. Peer-to-peer, there is no middleman to guarantee the transaction settlement.

The core of digital finance is point-to-point payment settlement and non-guaranteed transaction settlement. Nowadays, using bank cards to buy things in shopping malls is not a point-to-point transaction. It takes time for the merchant to receive the money, and the bank guarantees that the transaction can be settled completely. But if these intermediariesAfter disappearing, how can the transaction be cleared and settled in real time? At present, blockchain and digital currency are the best technical solutions to solve these problems, and no other better solution has been found yet.

From a business perspective, blockchain technology has its own characteristics, that is, it is sufficiently digital, it is cross-border, cross-time and space, and cross-organization. The flow of data has no boundaries, so the blockchain is distributed at the same time, it is self-organized and decentralized.

So the origin of blockchain and the application of any new disruptive technology have always had two routes, or two methods. One way is to regard it as a tool and use it to improve the traditional business model and obtain an improvement in marginal benefits. The other is to treat it as a system to reconstruct the underlying logic of business.

There is a good example of these two application methods in the past few years. When Internet companies are promoting "Internet+", we also see many traditional business organizations saying that it is not "Internet+", but "+Internet". So where are those people who shout "+Internet" now? Some people think that the Internet is just a technology used to improve it. Some Internet technologies can be added to traditional things. For example, if you use the Internet as email, you build an email system and think it is the Internet. But some people treat the Internet as a system and reconstruct the business from the bottom up. In the end, you will find that you are unemployed.

The second is decentralization. Why go to the center? Regional center technology in business has brought about business decentralization, which is an inevitable trend in history. Where is this trend? I think there are two points. One is economic globalization and entering version 2.0. Now through the Internet, it is no longer the company that is globalizing, nor the company turning itself into a multinational company, but the Internet is empowering any individual, so that it can sell its products through the Internet in a small county in China. worldwide. When economic globalization develops to personal globalization, solving point-to-point transactions and point-to-point services becomes a prominent issue. Then the real-time clearing and settlement and point-to-point transaction settlement brought by blockchain technology can just help the globalization of personal business activities.

The third is the digitalization of the economy. When data is collected to a certain extent, its circulation is basically across time and space. The demand for financial payments from commercial activities is carried with them anytime and anywhere, but it is impossible to provide scenario-based and virtualized payment settlement anytime, anywhere and on demand. Services will eventually be eliminated by technology and the market.

Why is digital currency so important?

First, the issuance of digital currency broadens the scope of original monetary policy options. If all physical currency can be converted into digital currency, this will make it possible for the central bank to break through the zero lower bound of interest rates and reduce nominal interest rates to negative.

In addition, digital currency also provides a new quantitative easing tool. The central bank issues an equal amount of digital currency to every citizen in the form of free payment, which can directly bypass the inefficient financial market during the crisis. Improve citizens' ability to consume and repay debt, making it easier to achieve the central bank's monetary policy goal of calming volatility.

Second, digital currency can make monetary policy more transparent. Economic theory generally believes that the implementation of monetary policy should be systematic and transparent, which can enhance the effectiveness of the monetary transmission mechanism, reduce internal noise, and strengthen the stability of the system.

Although, central banks in various countries have made significant progress in this regard by controlling inflation targets. The implementation of central bank digital currencies provides an opportunity to increase the transparency of central bank monetary policy frameworks. By adopting a central bank digital currency, like the inflation targeting system, the central bank can establish a fixed price level target specified by a specific price index, thus providing a durable, credible and transparent nominal anchor for the economic system.

Third, the issuance of digital currency can solve the problem of reduced physical cash and bring some seigniorage to the central bank. With the rise of mobile payment methods and mobile payment applications, the importance of cash in society is gradually decreasing.

With the demise of paper money, the only form of money circulating in the economy will be residents' bank deposits, and central banks may lose the power to issue banknotes to the public. Additionally, under the current system, seigniorage can only be obtained through the issuance of physical cash. Therefore, when ordinary people are less willing to hold cash, providing a convenient central bank digital currency that can be connected to electronic payment systems can allow the central bank to regain part of the seigniorage.

Fourth, digital currency can increase the stability of the financial system. From a technical perspective, digital currencies allow residents, businesses and non-bank financial institutions to settle directly with central bank digital currencies. This can share part of the settlement functions of commercial banks and reduce the concentration of liquidity and credit risks in the payment system.

Of course, in specific policy practice, due to the need for policy stability, central bank digital currency can also be issued and operated relying on the commercial banking system.

In addition, digital currencies issued by central banks can provide a truly risk-free alternative to bank deposits. The shift of residents from holding bank deposits to holding digital cash reduces part of the need for government guarantees on deposits and weakens a source of moral hazard in the financial system.

❼ How about blockchain digital currency investment? Does anyone have any advice?

1. Invest with spare money
You must use spare money to invest, and never use leverage (actually This is basic common sense for ordinary people to invest). Compared with stocks, funds, etc., digital currency transactions are more frequent and convenient (7*24 hours), so it is easier for people to be impulsive. And the bull of digital currency, Bear markets often come very suddenly, and if you don't have spare money, it may bring unnecessary trouble to your life.
2. Moving bricks
If you feel that "long-term investment" such as digital currency is too slow and want to make quick money, then "moving bricks" may be more suitable for you.
Buying is to use the price difference of the same digital currency between exchanges to buy and sell, and make profits from it. For example, if the price of X coin is 10 yuan on exchange A and 15 yuan on exchange B, and the price of coin Y is 10 yuan on exchange B and 14 yuan on exchange C, then you can buy it on exchange A. For X currency, transfer the currency to Exchange B and sell it; at the same time, buy Y currency on Exchange B, then transfer it to Exchange C and sell it to earn the price difference.
This way of making money does not require a deep understanding of blockchain knowledge. What is required is speed, courage, time, and energy. If you encounter big fluctuations, the profits will be quite generous. For example, a netizen recently purchased EOS from China and then transferred it to an exchange in South Korea to sell it, making a profit of more than 80,000 yuan in one night.
Of course, "moving bricks" also requires you to have a certain amount of capital reserves (usually around tens of thousands of yuan), otherwise the money earned from the price difference alone will not be enough for transaction fees and currency withdrawal fees.
3. Digital currency investment homework
Before investing in a project, you must do enough homework and understand the future development prospects of the project in detail through various channels, including the profit model, valuation space, and project team. Understand it carefully and deeply. It would be terrible to invest money without knowing what the project is about.
Blockchain is an emerging industry. It is currently in a mixed situation. The quality of the personnel is also uneven. Naturally, there are also scammers who use ICO to make money. When we invest, we must be careful and don’t be fooled by a few people. The beautiful PPT has been deceived. You must keep your eyes open and seek verification from various sources. Even if you have a lot of money, don't be fooled.
As for how to identify a scam, you must rely on yourself. What is certain is that those projects that promise high returns must be scams, because any project has the possibility of failure. In fact, as long as you do multiple verifications , it is not difficult to identify a scam.
4. Psychological Warfare of Digital Currency Investment
1. Buy and leave. This is a very important point. After buying, many people will pay attention to the rise and fall of the price. In severe cases, their mood will also follow the price. It changes with the rise and fall of the price, and even the IQ will change with the rise and fall of the price, so there will be a situation of chasing the rise and killing the fall. When the price starts to soar, I regret buying too little, so I add a position, and the price suddenly After a callback, fear appeared in my heart again, and I thought it would be better to throw it away, so my whole person changed accordingly, and my quality of life was seriously affected.
How to prevent the above situation? The answer is to set an expected return or holding time in your mind before investing. This is actually very important. If you decide to hold it for a year, then don’t go no matter how the price changes. Never mind it, wait until a year later if you feelIt only needs to increase five times or ten times, then sell it when it reaches your psychological price.
2. Never take advantage of it. The blockchain industry has just emerged and the market is still blank, so there must be many good projects related to it. We must not invest all our funds in one project, even if this project It’s not good to be very good. You must know that any project may not be successful, so you must learn to diversify your investments. Diversified investments also mean diversifying risks. The most important principle in the investment field is to consider risks first and then returns. Risks are always ours. The first factor to consider.
In addition to diversifying funds into different projects, we should also pay attention to the fact that the proportion of funds used for investment must be reasonably allocated. Never use all of it for investment, because once you use too much money for investment , when the price falls, it will definitely affect your life and then your decision-making. Then you are likely to sell your shares during the bear market. If you cannot survive the bear market, you will naturally not be eligible to enjoy the benefits of the bull market. Gained.

❽ Blockchain and Digital Currency

The public’s current enthusiasm for blockchain and digital currency is a process of wanting to die or going crazy first.

For individuals In terms of profit or loss, the money earned must be money lost by others. This is not a market where entities create value. The secondary market is zero, plus handling fees, it is a negative market.

The blockchain is Like Pandora's box, it is inappropriate to open it. If everything is grafted reluctantly, it will definitely bring about a lot of problems. To solve it, maybe there will be new entrepreneurs who should work hard to speculate, and finally get the chicken feathers of the entire industry. This I think the biggest problem in the current blockchain industry is that the bubble is too big.

Although many investors choose to speculate in this blockchain bubble, value investing does apply. Human nature will never change , fear of greed, risk, human nature and the law of economic development are applicable to any industry and will not change due to the emergence of new things.

I think investment is related to speculation, with both similarities and conflicts. , Speculation can be said to be a subdivision of investment, so the success of some speculators cannot reduce the value of value investment.

Speculation and value investment belong to different fields because different strategies are used in different markets , so in a certain bubble-rich stage, smart investors choose to speculate, and when the bubble gradually breaks through, they will return to value investment when choosing projects, looking at long-term value.

For myself, if I don’t If it is consistent with my values ​​​​and value investment philosophy, I will not participate. If you miss it, you will miss it. Life often does not necessarily require multiple mistakes, but in fact, making multiple mistakes at critical moments is also an effective method. This is my choice. If I am clear about this time If you are not interested in the commotion of jumping, you can choose not to participate. There are many opportunities for other routes, so you do not have to focus on this route.