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  • First let me just zoom out really quick and talk to the people that just bought their first crypto right?

    首先,讓我快速放大,和那些剛剛買了第一個加密貨幣的人談談吧?

  • So my daughter, she's 17.

    所以我的女兒,她17歲了。

  • My mom's got her chain link into some tether and some uh some ether um as well.

    我媽媽把她的鏈子連接到一些拴繩上,還有一些呃,一些乙醚呃。

  • And one of my students the other night and the academy said Brian Why is this important?

    而我的一個學生有一天晚上和學院說,布萊恩為什麼這很重要?

  • Like why do I need to lend or borrow?

    比如我為什麼需要借貸?

  • Maybe explain what is it at the core of what you do and why is that important?

    也許可以解釋一下,你所做的事情的核心是什麼,為什麼這很重要?

  • Because so many people new to this space don't understand finance.

    因為很多剛進入這個領域的人都不瞭解金融。

  • You know I worked in finance and you know that borrowing and lending is the critical to the whole yield curve and all the infrastructure.

    你知道我在金融業工作,你知道借款和貸款是整個收益率曲線和所有基礎設施的關鍵。

  • But how do you tell people that just got here?

    但你如何告訴剛到這裡的人呢?

  • Why what you're doing is so important when it's so simple.

    為什麼你所做的事情如此重要,而它卻如此簡單。

  • Yeah it's end of the day like when you come to crypto you have cryptographic assets so they're like if you buy let's say one Bitcoin or 13 or 1000 stable coins That it would be 1000 stable coins.

    是的,它是一天的結束,就像當你來到加密貨幣時,你有加密資產,所以他們就像如果你買了讓我們說一個比特幣或13個或1000個穩定的硬幣,這將是1000個穩定的硬幣。

  • And what the other protocol does is that it basically when you deposit into the protocol it starts to grow algorithmic li uh the balance of your holdings.

    而另一個協議所做的是,基本上當你向該協議存款時,它開始增長算法李呃你持有的餘額。

  • It means that the same way as you will go to a bank and you deposit your funds and you get interest on on top of them and it's an important part of the whole ecosystem because getting yield means that Uh normally in economy you have inflation.

    這意味著,就像你去銀行存錢一樣,你可以在上面獲得利息,這是整個生態系統的一個重要部分,因為獲得收益意味著,通常在經濟中你有通貨膨脹。

  • So even if you have 100,000 your bank account that's $8 from five years from now.

    是以,即使你的銀行賬戶有10萬,那也是5年後的8美元。

  • If there is inflation that fight like 100,000 becomes actually less in purchasing power and getting yield is a way to actually fight against that like a loss essentially you're losing all the time money when you hold money, when you aren't spending, you're losing money and that's the thing.

    如果有通貨膨脹,那麼像10萬的戰鬥力實際上變得更少,獲得收益率是一種實際對抗的方式,就像損失一樣,基本上你持有錢的時候一直在損失錢,當你不消費的時候,你在損失錢,這就是問題所在。

  • But also when you're spending your money as well.

    但是,在你花錢的時候也是如此。

  • So it's kind of like a dilemma.

    所以這有點像一個兩難的問題。

  • But what yield does it basically fights against the inflation that we have?

    但它的收益率是多少,基本上可以對抗我們的通貨膨脹?

  • And inflation is because uh we put more money into the economy because there is more demand, but also in a way that we create the demand by pushing funds into the economy, meaning that when there's more money you are spending that money somewhere and that essentially gets the prices go up, which is inflation.

    而通貨膨脹是因為呃我們把更多的錢投入到經濟中,因為有更多的需求,但也是以一種方式,我們通過把資金推入經濟來創造需求,也就是說,當有更多的錢時,你在某個地方花這些錢,這本質上得到了價格上漲,這就是通貨膨脹。

  • So essentially getting yield means that you get less crude in the economy.

    是以,從本質上說,獲得收益率意味著你在經濟中獲得的原油更少。

  • That's why it's important and that's important.

    這就是為什麼它很重要,這很重要。

  • So anybody that owns crypto you could be growing that crypto and again, compound interest.

    是以,任何擁有加密貨幣的人,你都可以讓加密貨幣增長,並再次獲得複利。

  • I think Ben Franklin in America always talked about you get interest and then interest on your interest.

    我想美國的本-富蘭克林總是談到,你得到了利息,然後是你的利息的利息。

  • Exactly company.

    正是公司。

  • So it's again, if you just let it sit any asset anywhere you're losing, you're losing because someone could be using that and they'll pay you to use that.

    所以這又是,如果你只是讓它坐在任何地方的資產,你就會失去,你就會失去,因為有人可能在使用它,他們會付錢給你使用它。

  • Exactly.

    正是如此。

  • Banks aren't paying anything because they don't, they don't need the consumers funds, they can go to different kinds of channels for example europe in elsewhere.

    銀行沒有支付任何東西,因為他們不需要,他們不需要消費者的資金,他們可以去不同種類的管道,例如歐洲在其他地方。

  • You have this kind of way.

    你有這種方式。

  • For example, In England here, money is like money is created from from air.

    例如,在英國這裡,錢就像從空氣中創造出來的一樣。

  • It's actually like 3% is cash.

    實際上就像3%是現金。

  • But for example when I go and I need a mortgage for example, uh that money doesn't exist.

    但是,例如當我去,例如我需要抵押貸款時,呃,這些錢不存在。

  • So for example, I get £500,000 mortgage.

    是以,舉例來說,我得到50萬英鎊的抵押貸款。

  • If I get the mortgage, what means is that the bank has the ability to to print that balance to you?

    如果我得到了抵押貸款,什麼意思是銀行有能力將該餘額打印給你?

  • And then it means that I get the 1 £500,000 plus I pay interest, then I buy the house.

    然後,這意味著我得到了1個50萬英鎊,加上我支付的利息,然後我買了房子。

  • For example.

    比如說。

  • Now once I bought the house, I'm left with the house and paying interest though.

    現在一旦我買了房子,我就剩下房子和支付利息了,雖然。

  • But someone else gets the capital.

    但別人得到了資本。

  • So every single pound that is in circulation, someone is paying interest on that.

    是以,流通中的每一英鎊,都有人在支付利息。

  • This is something that people don't know, especially consumers because they think uh things work economics works in the way it used to work where you put money into the bank, someone borrows it.

    這是人們不知道的事情,特別是消費者,因為他們認為呃事情的運作方式經濟學的運作方式,即你把錢存入銀行,有人借錢。

  • But if that would be the case, you will get more from uh you know, banks as interest yield.

    但是,如果是這樣的話,你會從呃,你知道,銀行獲得更多的利息收益。

  • But they can actually create that that balance by themselves.

    但是他們實際上可以自己創造這種平衡。

  • So they don't need consumers money.

    所以他們不需要消費者的錢。

  • That's why the centers finance creates an ecosystem where you can actually convert your access to cryptographic stable coins, put them into yield because there's constant innovation, you financial primitives and that creates like a new market essentially.

    這就是為什麼中心金融創造了一個生態系統,在那裡你可以實際轉換你對加密穩定幣的訪問,把它們變成收益率,因為有不斷的創新,你的金融原素,這在本質上創造了像一個新市場。

  • But that's why it's cool.

    但這就是為什麼它很酷。

  • Like all this innovation.

    像所有這些創新。

First let me just zoom out really quick and talk to the people that just bought their first crypto right?

首先,讓我快速放大,和那些剛剛買了第一個加密貨幣的人談談吧?

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A2 初級 中文 利息 收益率 通貨膨脹 銀行 抵押 貸款

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    林宜悉 發佈於 2021 年 09 月 28 日
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