加密貨幣失去了道德指南針。我們必須將其歸還其分散的根源

本文是出於一般信息目的，不打算被視為法律或投資建議。

Crypto was born from a vision to decentralize power, democratize finance and build systems where equity prevails over exploitation. Somewhere along the way, however, the movement lost its moral compass.

加密貨幣從願景中出生，使權力分散，使財務民主化和建立股權勝過剝削的系統。然而，一路上的某個地方，運動失去了道德指南針。

As speculation surged, purpose dwindled.

隨著猜測的激增，目的減少了。

We must return crypto to its decentralized roots, a technological revolution built on long-term value, inclusivity and ethics rather than cyclical, speculative gains. The industry should take inspiration from emerging regions and how ethical financial investing can help to repair some of the ways our industry has often fallen short.

我們必須將加密貨幣歸還其分散的根源，這是基於長期價值，包容性和倫理而不是周期性的投機性收益的技術革命。該行業應該從新興地區汲取靈感，以及道德金融投資如何幫助修復我們的行業經常下跌的一些方式。

The rise of layer 2

第2層的崛起

When Vitalik wrote a blog post on layer 2s as a cultural extension of Ethereum, he brought up a critical point not only in business and technology but humanity — what we build in this life should be more significant than ourselves.

當Vitalik在第2層上寫了一篇博客文章作為以太坊的文化延伸時，他不僅在商業和技術方面還提出了一個關鍵點 - 我們在這一生中建立的東西應該比我們自己更重要。

Citing blockchains, he described how layer 2s, which he framed as subcultures of Ethereum, don’t merely differ in their technical benefits but how their positioning and intricacies trickle down into the culture of their communities.

他援引區塊鏈的描述，他描述了他是如何將其作為以太坊亞文化的第2層如何在其技術益處上有所不同，而是他們的位置和復雜性如何滴入社區的文化中。

In a space where new layer 2s are emerging rapidly, Vitalik’s insights are accurate and inspiring. When we build in a vacuum of echo chambers and monocultures, we miss out on the actual value of community in Web3.

在新層2迅速出現的空間中，Vitalik的見解是準確而鼓舞人心的。當我們建立在迴聲室和單一文化的真空中時，我們會錯過Web3中社區的實際價值。

What really brings communities together? Too often in crypto, that answer has been making people rich. What it should be is shared ideals that solve real issues. If done with purpose and conviction, this can still make people money.

是什麼真正使社區聚集在一起？在加密貨幣中，這個答案經常使人們變得富有。應該是共享解決實際問題的理想。如果以目的和信念完成，這仍然可以賺錢。

Layer-2 fatigue aside, the sheer scope of this data raises the question: Is our industry innovating just because it can, or is it creating a real-world utility that improves the lives of fellow humans? There’s nothing wrong with building something to make money, but if that’s the only reason we’re building something, that’s a problem.

除了第2層的疲勞之外，此數據的純粹範圍提出了一個問題：我們的行業是因為它可以創新，還是創造了改善人類生活的現實世界實用程序？建造一些賺錢的東西沒有錯，但是如果這是我們建造一些東西的唯一原因，那就是問題。

Recent: Islamic finance and Web3 take stage at Istanbul Blockchain Week

最近：伊斯蘭金融和Web3在伊斯坦布爾區塊鏈週舉行

We need to shift the narrative and look at how Web3 is solving actual, fundamental issues in emerging markets — particularly in regions like the Middle East, Southeast Asia and Africa — as a north star for how to ethically build the future of our space.

我們需要改變敘述，並將Web3在新興市場（尤其是在中東，東南亞和非洲等地區）中的實際基本問題（尤其是在中東，東南亞和非洲等地區）視為北極星，以便如何在道德上建立我們空間的未來。

What does innovation indeed mean?

創新確實意味著什麼？

If crypto projects think innovation in Web3 is only about VC-led fundraising rounds, comparing transactions per second, or building the next great decentralized application to trade cat coins, they have probably never existed in a place where even the simplest of financial transactions is cumbersome.

如果加密項目認為Web3中的創新僅是關於VC領導的籌款回合，每秒比較交易或構建下一個出色的分散式貓硬幣應用程序，那麼即使是最簡單的金融交易也不是在繁瑣的地方，它們也可能從未存在。

In emerging markets, where people grapple with inflation, high remittance fees and limited access to financial services, we’ve witnessed how meaningful effects can transform the daily lives of millions. These are not abstract issues. They affect business owners, families, students, creators and more.

在新興市場中，人們應對通貨膨脹，高匯款費以及獲得金融服務的機會有限，我們目睹了有意義的效果如何改變數百萬的日常生活。這些不是抽象的問題。它們影響企業主，家庭，學生，創作者等。

From stablecoins to secure and user-friendly payment applications, Web3 offers a unique opportunity to address these problems by creating decentralized financial systems that bypass the inefficiencies and inequities of traditional banking. For Web3 to truly make a difference in these regions, it must be designed with a focus on ethics, accessibility and long-term utility. We must lead by example.

從Stablecoins到保護且用戶友好的付款應用程序，Web3提供了一個獨特的機會來解決這些問題，通過創建分散的金融系統繞過效率低下和傳統銀行業務的不平等現象。為了使Web3真正改變這些區域，必須將其設計為道德，可訪問性和長期實用程序。我們必須以身作則。

In these markets, if innovation doesn’t create a meaningful disruption that improves people’s lives and addresses real-world problems, it’s nothing more than a buzzword. The most powerful solutions in technology are those that solve the world’s greatest problems.

在這些市場中，如果創新並沒有造成有意義的破壞，從而改善了人們的生活並解決了現實世界中的問題，那無非是一個流行語。技術中最強大的解決方案是解決世界上最大問題的方法。

Ethical finance — Web3’s future?

道德金融 - Web3的未來？

If you want inspiration, pay attention to those doing something different. If you want to inspire others, lead by example.

如果您想靈感，請注意那些做不同事情的人。如果您想激發他人，請以身作則。

Ethical finance, particularly Islamic finance, offers valuable lessons for Web3. Dating back to the 1960s and 1970s in the Middle East and North Africa (and even further to around 620 AD), this sector is built on risk-sharing, ethical investment and a focus on tangible assets.

道德金融，尤其是伊斯蘭金融，為Web3提供了寶貴的課程。該行業的歷史可以追溯到中東和北非的1960年代和1970年代（甚至更遠的公元620年），該行業建立在風險分擔，道德投資和關注切實資產的基礎上。

Islamic finance has endured for centuries because it rejects speculation in favor of real, meaningful value. For example, we’ve seen the rise of ethical finance institutions like Al Rajhi Bank, one of the most prominent Islamic banks globally, known for its investments in tangible assets and community-oriented financial products.

伊斯蘭金融已經持續了幾個世紀，因為它拒絕投機，而有利於實際，有意義的價值。例如，我們已經看到了諸如Al Rajhi Bank之類的道德金融機構的興起，Al Rajhi Bank是全球最傑出的伊斯蘭銀行之一，以其在有形資產和麵向社區的金融產品上的投資而聞名。

This model, which strives to build based on morals, substance and necessity versus mere financial opportunity, can guide Web3 as it moves beyond hype-driven growth.

該模型努力根據道德，實質和必要性與僅僅經濟機會建立，可以指導Web3超越炒作驅動的增長。

Build by example

以身作則

As we look toward the next few years with the wind and a bull market beneath our wings, the time has come for Web3 to take a hard look in the mirror and redefine what success and innovation genuinely look like. The answer to this won’t be the same for everyone — that would be pretty boring if it were.

當我們在接下來的幾年中以風和翅膀下方的牛市看待，Web3是時候對鏡子進行艱難的眼光並重新定義了成功和創新的真實外觀。這個答案對每個人來說都不會一樣 - 如果是這樣，那將很無聊。

We must find a common ground of shared values that extends beyond technical achievements, market capitalization, total value locked or X followers but strives to innovate something more significant than any layer 2 or token.

我們必須找到共享價值的共同基礎，該基礎超出了技術成就，市值，總價值鎖定或X追隨者，但努力創新比任何2層或代幣更重要的東西。

When gearing up to launch something new, our industry must ask itself something that lives at the heart of Islamic finance: How will

當準備發起新的東西時，我們的行業必須問自己生活在伊斯蘭金融核心的事物：如何如何