Name: 比特幣為何在肯亞貧民窟興起 | BBC News (Why Bitcoin is on the rise in Kenyan slums | BBC News)
Uploaded: 2025-08-24T00:57:18.000Z
Duration: 3 min 43 s

Now, while many people struggle without access to traditional banking, a surprising financial experiment is underway halfway around the world. In one of Africa's largest urban slums,

現在，當許多人還在為無法獲得傳統銀行服務而苦苦掙扎時，一場令人驚訝的金融實驗正在地球的另一端進行。在非洲最大的城市貧民窟之一、

分詞構句

Kibera, some roadside vegetable stands are accepting an unconventional form of payment – Bitcoin. Residents in Kibera, located in Kenya's capital, are using Bitcoin as part of a project aimed at bringing financial services to one of the nation's most impoverished and underbanked communities. From Nairobi, here's Michael Kaloki.

在基貝拉，一些路邊蔬菜攤正在接受一種非常規的支付方式--比特幣。肯亞首都基貝拉的居民正在使用比特幣，這是一個項目的一部分，旨在將金融服務帶給肯亞最貧困、銀行服務最匱乏的社區之一。這裡是來自內羅畢的邁克爾-卡洛基（Michael Kaloki）。

Early morning in Nairobi's Kibera informal settlement. A team of young men and women who are part of a waste collection group go door to door collecting garbage from the area residents. The group charges a waste collection fee for their services. Some of the residents pay the fee using the cryptocurrency Bitcoin.

清晨，內羅畢基貝拉非正規居住區。一支由青年男女組成的垃圾收集小組正在挨家挨戶地向當地居民收集垃圾。該小組收取垃圾收集服務費。一些居民使用加密貨幣比特幣支付費用。

Ronny Mdawida and his team regularly undertake what they refer to as community meetups, where residents in the area are taken through learning sessions to understand more about

朗尼-姆達維達和他的團隊定期舉辦他們所說的社區聚會，通過學習課程讓該地區的居民更多地瞭解

Bitcoin. For example, how to purchase Bitcoins using Kenya shillings. Among those who take part in these meetups are local traders from the area, a group that Ronny says was key in encouraging the use of Bitcoin in Kibera.

比特幣。例如，如何使用肯亞先令購買比特幣。參加這些聚會的有當地的交易商，羅尼說這個群體是鼓勵在基貝拉使用比特幣的關鍵。

For merchants to exist, we first of all needed to have people who are earning in Bitcoin, but now also we also needed people who are willing to accept Bitcoin as a means of payment for it to happen.

要讓商家存在，我們首先需要有賺取比特幣的人，但現在我們還需要有願意接受比特幣作為支付手段的人。

One of those who attends the community learning sessions is Ruth Kwamboka, a local merchant in the area. Ruth now also accepts Bitcoin as a form of payment from her customers.

參加社區學習課程的人之一是該地區的當地商人露絲-誇姆博卡（Ruth Kwamboka）。露絲現在也接受顧客用比特幣付款。

I own a general shop where I sell maize flour, wheat flour, bananas, oranges and vegetables

我開了一家雜貨店，出售玉米粉、小麥粉、香蕉、橘子和蔬菜。

As a merchant, I have accepted this Bitcoin and many people in my area, Kibera, also use this Bitcoin as a mode of payment and they are able to pay for any commodity they need.

作為一個商人，我已經接受了這種比特幣，在我所在的基貝拉地區，許多人也使用這種比特幣作為支付方式，他們可以支付他們需要的任何商品。

Here in the heart of Kibera, a growing number of residents are turning to cryptocurrency as a tool for economic empowerment and as an alternative to traditional financial systems that many here feel are out of reach. However, there are those who feel that caution needs to be exercised when promoting the use of cryptocurrency like Bitcoin in a community.

在基貝拉的中心地帶，越來越多的居民開始將加密貨幣作為一種經濟賦權工具和傳統金融體系的替代品，而許多人認為傳統金融體系在這裡是遙不可及的。不過，也有人認為，在社區推廣使用比特幣等加密貨幣時需要謹慎。

The challenges around volatility exist because then Bitcoin and cryptocurrencies are very exposed to a lot of external shocks for markets and therefore there's a lot of volatility for most of these cryptos at the moment and therefore that is a huge challenge for the people who live in informal settlements. But then again it offers an opportunity for alternative finance and for people to be able to participate in global markets.

比特幣和加密貨幣很容易受到市場外部衝擊的影響，是以目前大多數加密貨幣都存在很大的波動性，這對生活在非正規定居點的人們來說是一個巨大的挑戰。不過，這也為另類金融和人們參與全球市場提供了機會。

Ronim Dawida and his team at Afribit remain optimistic that the initiative will enhance the lives of the people in Kibera slum. But is Bitcoin a viable solution to financial inclusion for the residents of this informal settlement? Perhaps only time will tell.

羅尼姆-達維達（Ronim Dawida）和他在 Afribit 的團隊仍然樂觀地認為，這一舉措將改善基貝拉貧民窟居民的生活。但是，對於這個非正式定居點的居民來說，Bitcoin 是實現金融包容性的可行方案嗎？也許只有時間才能告訴我們答案。

Michael Kaloki，BBC 新聞，內羅畢。