顛簸的股票市場將投資者推向黃金或政府債券等避風港投資，但是加密貨幣呢？

比特幣是開創性的數字貨幣，在去年12月的16年曆史上首次超過了創紀錄的一年，超過了100,000美元。

A bumpy stock market and rising geopolitical tensions have lately pushed investors toward safe haven investments like gold or government bonds — but what about cryptocurrency?

顛簸的股票市場和地緣政治緊張局勢上升使投資者推向了黃金或政府債券等避風港投資，但是加密貨幣呢？

With the crypto market having seen better days this year, some investors might be wondering if there’s still time to get involved.

隨著加密貨幣市場今年過得更好，一些投資者可能想知道是否還有時間參與。

Bitcoin, the pioneering digital currency, is coming off a record-breaking year, having surpassed $100,000 for the first time in its 16-year history last December.

比特幣是開創性的數字貨幣，在去年12月的16年曆史上首次超過了100,000美元的創紀錄的一年。

It has seen a wild ride since, briefly tumbling as low as $75,000 earlier this month over anxieties about a trade war. The price has recently bounced back, topping $90,000.

從那以後，這一次狂野的旅程短暫地低至本月初的憂慮，低至75,000美元。價格最近反彈，高達90,000美元。

But its notorious volatility doesn’t mean it can’t be part of a mainstream investing strategy, proponents say.

支持者說，但臭名昭著的波動並不意味著它不能成為主流投資策略的一部分。

“In some ways, it’s riskier not to hold any crypto, just how a financial advisor would be like, ‘You should have some stocks. You should have some bonds. You should have some real estate,’” Ben Weiss, co-founder and chief executive of CoinFlip, a crypto ATM provider, told The Post.

“在某些方面，不持有任何加密貨幣的風險，就是財務顧問的樣子，'您應該有一些股票。您應該有一些債券。您應該擁有一些房地產，'” Coinflip的聯合創始人兼首席執行官Ben Weiss，加密貨幣ATM的聯合創始人兼首席執行官告訴該帖子。

“I think crypto’s gotten to the point where it’s a key part of any portfolio,” he continued.

他繼續說：“我認為加密貨幣已經成為任何投資組合的關鍵部分的地步。”

“It’s fully online. It’s made for the internet. It’s borderless and secured by code instead of a centralized third-party.”

“它是完全在線的。它是為互聯網製作的。它是無邊界的，由代碼而不是集中的第三方確保。”

That borderless nature makes cryptocurrency more accessible, in some respects, than regular currencies.

這種無邊界的性質使加密貨幣在某些方面比常規貨幣更容易獲得。

Anyone with a connection to the internet can partake, and it can be transferred easily from a user in one country to another.

任何與Internet連接的人都可以參與，並且可以輕鬆地將其從一個國家的用戶轉移到另一個國家。

Take wire transfers at a bank, for example. If you want to send $100 to someone in another country, it takes time and approval from the bank. But you can send $100 worth of crypto to anyone worldwide with the click of a button.

例如，在銀行進行電匯。如果您想向另一個國家的某人發送100美元，則需要時間和批准。但是，您可以通過單擊按鈕向全世界的任何人發送價值100美元的加密貨幣。

US stablecoins “helped a lot of people in South America, especially Argentina, with inflation and a lack of trust with their government and banks,” Charles St. Louis, chief executive of DELV, which builds crypto infrastructure, told The Post.

美國Stablecoins“在通貨膨脹和對政府和銀行缺乏信任方面幫助許多人，尤其是阿根廷的許多人”，建立了加密基礎設施的Delv首席執行官查爾斯·聖路易斯（Charles St. Louis）告訴《郵報》。

Stablecoins are forms of cryptocurrency that are typically pegged to a traditional commodity or currency, like the US dollar.

穩定幣是加密貨幣的形式，通常將其固定在傳統的商品或貨幣上，例如美元。

“The Argentine peso was almost 60% inflated, and they couldn't trust their government or banks to hold their money, so they stored US dollars in their pillowcases and mattresses,” St. Louis said. “What the US stablecoin really allowed for them was to be in control of their own money and be able to spend it freely, and it really became popular there.”

聖路易斯說：“阿根廷比索幾乎膨脹了60％，他們不信任政府或銀行持有錢，因此他們將美元存儲在枕套和床墊中。” “美國Stablecoin真正允許的是控制自己的錢，並能夠自由地花錢，並且在那裡確實變得很受歡迎。”

Here are some popular cryptocurrencies:

這是一些流行的加密貨幣：

The concept of digital cash might ring some bells. Think of PayPal, Venmo or even credit cards.

數字現金的概念可能會敲響一些鈴鐺。想想PayPal，Venmo甚至信用卡。

But unlike these other forms of digital currency, cryptocurrency is not pegged to anything “tangible,” like gold, silver or a fiat currency.

但是，與這些其他形式的數字貨幣不同，加密貨幣並沒有將任何“有形”，例如黃金，銀或法定貨幣固定。

Some legacy investors – like Warren Buffett, the 94-year-old “Oracle of Omaha” – have sworn to never invest in crypto, partly for this reason.

一些舊的投資者 - 像94歲的“奧馬哈甲骨文”這樣的沃倫·巴菲特（Warren Buffett）宣誓就不投資加密貨幣，部分原因是出於這個原因。

“In terms of cryptocurrencies, generally, I can say with almost certainty that they will come to a bad ending,” Buffett said during a 2018 interview. He once likened the digital currency to “rat poison,” and has vowed his firm, Berkshire Hathaway, will never have a position in it.

巴菲特在2018年的一次採訪中說：“就加密貨幣而言，我幾乎可以肯定地說，它們會取得糟糕的結局。”他曾經將數字貨幣比作“老鼠毒”，並誓言他的公司伯克希爾·哈撒韋（Berkshire Hathaway）永遠不會在其中擁有立場。

But crypto l0yalists will argue that, in the end, most traditional investments and currencies aren’t pegged to anything that’s actually more tangible.

但是，加密元素的人會爭辯說，最終，大多數傳統的投資和貨幣並沒有將實際上更明顯的任何事物掛鉤。

“There’s only 21 million Bitcoin that will ever be in circulation,” Weiss said. “It’s one of the hardest assets out there.”

魏斯說：“只有2100萬比特幣會流通。” “這是那裡最難的資產之一。”

“I would argue the dollar isn’t tied to anything, except the full faith and credit of the US government. Gold is a rock. Yeah, people use it in jewelry, but it’s not where it gets its value from, so Bitcoin is most akin to a digital gold.”

“我認為除了美國政府的全部信仰和信譽外，金錢是一塊岩石。是的，人們在珠寶中使用它，但它不是從中獲得價值的地方，因此比特幣最類似於數字黃金。”

The name of the game when investing into crypto is to hold on and let it accrue value as a hedge against inflation and bad government – not spend it on a coffee at Starbucks, experts advise.

專家建議，投資加密貨幣時的遊戲名稱是堅持下去，並讓它獲得價值作為抵制通貨膨脹和不良政府的對沖 - 而不是在星巴克喝咖啡。

“It’s about accumulation in America. They’re more looking at, how do I get Bitcoin? Instead of, how do I spend Bitcoin?” Chris Kline, co-founder and COO of BitcoinIRA, a crypto retirement platform, said.

“這是關於在美國的積累。他們更多地看著，我如何獲得比特幣？而不是，我如何花比特幣？” Crypto退休平台Bitcoinira的聯合創始人兼首席運營官Chris Kline表示。

“Where we might be in the next five to 10 years is, how do I use the Bitcoin that I have in order to pay my bills and do other things?”

“在接下來的五到十年中，我們可能會在哪裡，我該如何使用比特幣來支付賬單並做其他事情？”

Download a trusted exchange app — Start by choosing a licensed crypto exchange. We recommend starting with the Best Wallet app, available for both iOS and Android.

下載可信賴的交換應用程序 - 首先選擇許可的加密交易所。我們建議您從最佳的錢包應用程序開始，可用於iOS和Android。

Create and verify your account — Sign up using your email, Google, or Apple ID. To complete registration, you’ll need to verify your identity with a government-

創建並驗證您的帳戶 - 使用您的電子郵件，Google或Apple ID註冊。要完成註冊，您需要與政府驗證自己的身份 -