「不是你的鑰匙，不是你的加密貨幣」：自我託管爭論愈演愈烈

「不是你的金鑰，不是你的加密貨幣」是加密貨幣中最常重複的短語之一。這很可能是因為 2022 年發生的破產事件

The phrase "Not your keys, not your crypto" has been circulating throughout the crypto community for some time now. As the bankruptcies of 2022 demonstrated once again, if you're not personally holding your crypto funds, they could potentially go up in flames. After all, there is no Federal Deposit Insurance Corporation (FDIC) to fall back on as there is in banking.

「不是你的金鑰，不是你的加密貨幣」這句話已經在加密貨幣社群流傳了一段時間。正如 2022 年的破產事件再次證明的那樣，如果您不是親自持有加密貨幣基金，它們可能會付諸東流。畢竟，沒有像銀行業那樣可以依賴的聯邦存款保險公司（FDIC）。

Despite this, many people still rely on centralized institutions like Coinbase to hold their crypto for them.

儘管如此，許多人仍然依賴像 Coinbase 這樣的中心化機構來為他們持有加密貨幣。

In the ongoing debate about cryptocurrency self-custody, Roundtable anchor Rob Nelson brought up a crucial point: Is it really necessary?

在關於加密貨幣自我託管的持續爭論中，圓桌會議主播 Rob Nelson 提出了一個關鍵點：真的有必要嗎？

"Do I have to really eventually self-custody?" Nelson asked, reflecting a common hesitation about the complexity involved. He acknowledged that many people avoid self-custody due to its perceived difficulty and their reluctance to learn.

“我最終真的必須自我監護嗎？”納爾遜問道，反映出人們對所涉及的複雜性普遍猶豫不決。他承認，許多人由於認為自我監管很困難且不願意學習而避免自我監管。

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Caitlin Long on Bitcoin's 'not your keys, not your coins' custody mantra

凱特琳朗 (Caitlin Long) 談比特幣「不是你的鑰匙，不是你的硬幣」的託管格言

Caitlin Long, CEO of Custodia Bank, addressed these concerns by presenting alternatives to self-custody, such as ETFs and multisig arrangements.

Custodia Bank 執行長 Caitlin Long 透過提出自我託管的替代方案（例如 ETF 和多重簽名安排）來解決這些擔憂。

"There are ETFs, centralized exchanges, and multisig setups where a service provider helps you manage your private keys," Long explained.

「有 ETF、中心化交易所和多重簽名設置，服務提供者可以幫助您管理私鑰，」Long 解釋道。

She stressed that without self-custody, users effectively lend their assets to institutions, which could fail. Learning self-custody, she argued, is essential for true financial security.

她強調，如果沒有自我託管，用戶實際上會將資產借給機構，而機構可能會失敗。她認為，學習自我保管對於真正的財務安全至關重要。

Nelson compared this to the American tradition of self-reliance, suggesting that preparing for potential digital disruptions should follow the same principles.

尼爾森將此與美國自力更生的傳統進行了比較，建議為潛在的數位顛覆做好準備應遵循相同的原則。

"If the power goes out or everything goes wrong, I know what to do," he said, implying that the same mindset applies to digital finances.

他說：「如果停電或一切出了問題，我知道該怎麼做。」這意味著同樣的心態也適用於數位金融。

Long concurred, noting that individuals in less developed regions often have to become proficient in managing their finances due to necessity.

龍對此表示同意，並指出欠發達地區的個人往往因需要而必須精通財務管理。

Long further emphasized that even in the relatively stable U.S. financial system, preparing for disruptions is wise. She likened self-custody to purchasing insurance, stating, "If you knew you could control your own future and didn't invest the time, would you regret it if something happened?"

朗進一步強調，即使在相對穩定的美國金融體系中，為破壞做好準備也是明智的。她將自我監護比作購買保險，並表示：“如果你知道自己可以掌控自己的未來，卻沒有投入時間，萬一發生什麼事，你會後悔嗎？”

She urged people to take self-custody as seriously as they would insurance, highlighting its importance for ensuring financial security and independence.

她敦促人們像對待保險一樣認真對待自我保管，強調其對於確保財務安全和獨立的重要性。