Libra will change the world? Libra 白皮書發布了，它將會影響世界？

Finally, the white paper of Libra was published yesterday. Many people are talking about this. Will it change the world? Although I am any crypto expert, I am interested in it.

We can easily see the ambition of Facebook. It is planning to make Libra the world currency. From the over 20 worldwide companies’ support and 2B users of facebook, we can see the great influence of Libra. The service is also extended to WhatsApp and Messenger. So we can transfer money through WhatsApp in the future?

讓人期待已久的facebook終於發放Libra的白皮書了，區塊鏈圈的朋友都在留意這事情，到底它會否影響世界？雖然我不是區塊鏈專家，但對它也十分有興趣。
Facebook的野心可而易見，它打算把Libra成為世界貨幣，已從現時數十間與Libra支持的公司，加上全球20億用戶人數可見，Libra的影響力可以是非常的大。Libra還會伸展到Whatsapp及Messenger等平台，意思是說未來我們可以用facebook發紅包？

But it’s not easy to let the world accept Libra. Libra is a stable coin and users over the world can trade using Libra without banks’ complicated operation and service fee. But actually many cryptocurrencies are doing this. The advantage of Libra is just its brand and the support of those worldwide companies. We still can’t see the future of it.

不過，要普羅大眾接受Libra可不是易事啊。Libra主張是穩定幣，讓全世界用戶都可以透過Libra進行交易，再不需要繁複的銀行手續及手續費。但其實很多加密貨幣都在做這樣的事情了，Libra的優勝處只是現時得到很多大公司支持，但未來的事情還不好說。

The problem of cryptocurrency is its difficulty to purchase. In HK, where someone call the heaven of Blockchain, headquarter of Bitfinex and Block.one, is not easy to buy Bitcoin. It’s the main point if Libra want to spread through the world. Second is the trust, to the majority of the world, cryptocurrency is “virtual currency”. I can do something by cash. Why should I use cryptocurrency? Also, Libra needs personal ID for KYC verification. People caring about privacy won’t register. All these are the problem being faced by cryptocurrency.

加密貨幣其中一個難題是難以購買，例如被很多人稱為區塊鏈天堂的香港，要購買比特幣也不容易，Libra已推廣到全世界，就要想方法讓大家很容易就可以買到，第二是信任問題，對全球大眾來說，加密貨幣是虛擬貨幣，我有方法用法幣做一件事情，為何要用虛擬貨幣？還有，Libra的錢包Calibra需要用戶用完整KYC身份驗證，注重私隱的人又哪會這樣做？這些都是現時加密貨幣面對的問題。

In the other hand, the gimmick of cryptocurrency is decentralisation and crypto. Do you trust Facebook? Calibra claims that it won’t provide information to Facebook. Do you trust? People say China is monitoring WeChat. I believe that USA is also monitoring Facebook. Calibra says that their users don’t need to have facebook account. But, who don’t have facebook account now?

另一方面，加密貨幣主張的是去中心化和加密，不過，你相信facebook不會監管Libra? Facebook聲稱Calibra不會將財務資料提供給facebook，你相信嗎？它說的是不會，而不是不能。很多人說中國在監管著微信，其實，我相信美國也在監控著facebook。同一時間，Calibra稱用戶不需要是facebook用戶，但，會用Calibra的人，又有多少人沒有facebook帳戶？

At the same time, the House Committee on Financial Services of United States House of Representatives is requesting facebook to stop the development of Libra at this moment, as the questions of how Libra will operate, how Libra will protect the data of users and how Libra will follow the monitor of world financial system are still not solved. Yeah, they are locking horns. the USA won’t let facebook to harm their benefit.
My first impression of Libra is that Facebook is putting a leg on the financial industry without the name of blockchain. But Libra did help to move Blockchain forward to the world. Let’s see how will the world be in the coming few years.

在同一日，美國眾議院金融服務委員會主席就要求facebook暫停開發Libra，因為Libra在如何運作、如何保護用戶，如何遵從全球金融監管仍有很多未解決的問題。是的，美國也在和facebook度力當中，如果facebook危害了美國的利益，美國不會讓它好過。
呵呵，其實我的第一感覺，就是facebook借區塊鏈之名開發自家貨幣，染指貨幣業，不過Libra的確讓加密貨幣更進一步推到世界面前，未來幾年的世界，很刺激啊！

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Posted from my blog with SteemPress : http://aaronli.steemblogs.club/libra-will-change-the-world-libra-%e7%99%bd%e7%9a%ae%e6%9b%b8%e7%99%bc%e5%b8%83%e4%ba%86%ef%bc%8c%e5%ae%83%e5%b0%87%e6%9c%83%e5%bd%b1%e9%9f%bf%e4%b8%96%e7%95%8c%ef%bc%9f/

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