I’m going to preface by saying- I actually admittedly don’t understand a lot of the tech behind many of the currencies. But what do you see as the most likely case in 10-20 years of coins being used or Bitcoin itself? Just a store of wealth or more?
I’ve held crypto for a number of years (mostly BTC/ETH) but find myself often numb to continual articles about ups and down in the market daily – sort of feel it’s not healthy to watch that – I have stocks and don’t watch them every day or week either.
I find the arguments of fiat bad and it going to be replaced by crypto or it’s going to replace it a little cultish. My money in the bank (UK) is 99.9% unlikely to drop 20-50% in value in an hour or 24 hours or longer.
My money is pretty safe (not that there’s much of it) and backed by the government should the bank fail – again a very big if and very rare occurrence. I can send money with my banks for free within a few seconds: internationally it would incur an exchange fee but I don’t use that anyway and the fee is sort of minimal really depending on the amount.
The rise of ridiculous meme coins and scams is detrimental to seeing any adoption I feel and certainly off putting to people wanting to get involved – and you need security for that to become common.
I have funds on exchanges because it’s the most accessible and for me easiest way – and if say for 99% of people if you want a general person to great involved that’s the best way then a cold wallet which security wise makes sense but isn’t as user friendly as a exchange.
I see it as an investment and feel most other people and companies do too as do other people my age I know. I don’t know anyone in offline who sees it as a currency replacement say and I see some tiny places taking payment for a coffee with BTC online but I think that’s just a waste of it considering fees and such but hey ho.
Is it more the tech being behind adapted by banks that’s happening and due moreso than the coins themselves? I think it’s more likely we get a national digital currency then say the UK adopting BTC – they need to be in control of it for obvious reasons..
What do you think?
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### 加密货币的未来：10到20年后的真实应用场景
近年来，加密货币的崛起引发了广泛的关注，尤其是比特币（Bitcoin）和以太坊（Ethereum）等主要币种。然而，围绕这些数字资产的技术、应用和未来走向仍然充满变数。尽管普遍关注涨跌幅度，但我认为在未来的10到20年内，加密货币的使用场景将逐渐清晰。
首先，许多人将加密货币视为一种投资工具，而非日常交易的货币。在当前的经济环境中，投资者趋向于将比特币和以太坊等资产视作一种“避风港”，尤其在面临高通货膨胀或经济不稳定时。例如，许多的人都在持有这些数字资产，以此来对抗潜在的货币贬值风险。此外，由于其有限的发行量，比特币被视为数字黄金，众多投资者将其作为财富储存的手段。
然而，正如本文开头提到的，许多人对加密货币的实际用途感到困惑。尽管日常交易中使用加密货币的场景逐渐增多，但相对于传统货币而言，其接受度仍然较低。观察到的一些小型商家开始接受比特币支付，但由于高额的交易手续费以及价格波动不定，使得许多消费者在使用加密货币时仍显得谨慎。因此，尽管有一定数量的商家愿意参与，但这种趋势却并未得到大规模普及。
除了作为投资工具，区块链技术的应用将是推动加密货币逐步被广泛接受的关键因素。许多银行和金融机构正在积极探索将区块链技术融入他们的系统，以提升交易的安全性和效率。这种技术的演变可能会导致国家数字货币的出现，像英国这样的国家可能会开发自己官方的数字货币，而非完全依赖比特币等去中心化货币。在这种情况下，国家对货币的掌控将进一步加强。
值得注意的是，加密货币市场的混乱现象，如各种令人费解的“模因币”（meme coins）和诈骗现象，确实给想要采用这项技术的普通大众带来了障碍。为了促使更多人进入这一领域，必须增强消费者对市场的安全感和保护意识。尽管目前许多人仍选择在交易所持有资金，但未来的安全工具，如冷钱包，可能会变得更加用户友好。
总的来说，尽管加密货币的实际应用尚未完全明朗，但其作为投资工具和技术的潜力无疑是巨大的。在未来的某一时刻，我们可能会看到加密货币在金融生态系统中的地位不断上升，但这将取决于技术的发展和消费者的逐步接受。或许在不久的将来，我们将迎来一个与今天截然不同的金融世界。