我的祖父母從來沒有擁有加密貨幣。但是他們一直都知道自己的錢。

當我年輕，需要錢來供學校用品，小吃或人力車旅行時，他會拿出一張紙條，好像它一直在等我。

My grandfather prefers cash. Not in a wallet, neatly zipped up or tucked away, but haphazardly folded into his shirt pocket. Or slipped behind pages of an old diary. Or perhaps wedged between faded receipts in a drawer by the TV. Never a lot. Just enough so that someone, somewhere down the line, might feel like they thought ahead.

我的祖父更喜歡現金。不在錢包裡，整齊地拉開或藏起來，而是隨意地折疊成他的襯衫口袋。或滑到舊日記的頁面後面。或者也許是在電視上的抽屜裡褪色的收據之間。從來沒有很多。足夠，以至於某個地方的某個地方可能會覺得他們想到了。

When I was younger and needed money for school supplies, snacks, or a rickshaw ride, he’d pull out a note as if it had been waiting there just for me. He isn’t flashy, but he never withholds. He gives with the confidence of someone who’s always kept enough. Generous in a way only the truly clever with money know how to be.

當我年輕，需要錢來供學校用品，小吃或人力車旅行時，他會拿出一張紙條，好像它一直在等我。他並不浮華，但他從不拒絕。他充滿信心地賦予了一個始終保持足夠的人。只有真正聰明的錢才能成為慷慨。

My grandmother’s world runs on order. Everything has its place, including her money. She keeps multiple purses, each with its own… ecosystem of cash – One for daily use, one “just in case,” and a few reserved for emergencies. Although what qualifies as an emergency is a mystery to the rest of us. It doesn’t matter. She knows.

我祖母的世界在秩序上運行。一切都有其位置，包括她的錢。她保留多個錢包，每個錢包都有自己的……現金生態系統 - 一個用於日常使用，一個“以防萬一”，還有一些用於緊急情況。儘管有資格成為緊急情況是我們其他人的謎。沒關係。她知道。

Her cash is never crumpled like my grandfather’s. She flattens each note, smoothing the corners on her knee with the same care people probably give to love letters. She owns a credit card now… reluctantly. Only for hospital visits, she says, tapping it like it’s a visa to a foreign place she doesn’t plan to stay long in. She may feel weary, but she’s certainly found her footing with it.

她的現金永遠不會像我祖父的那樣皺巴巴。她使每個音符變平，使膝蓋上的角落平滑，人們可能會給情書提供相同的照顧。她現在擁有一張信用卡……勉強。她說，只有為了醫院的探訪，就像是簽證她不打算停留很長時間的外國地方的簽證。

My other grandmother is sharper than most people I know. The kind of woman you don’t challenge on numbers – unless you’re ready to lose. She tracks every rupee. Not obsessively, just with precision. She built a portfolio before most women her age knew what one was. Asks the right questions. Signs papers others said she couldn’t. At a time when women didn’t handle money, she made sure no one else would control hers. If she’d been born in a different time, she wouldn’t just have worked at a bank. She’d have run it. Owned it.

我的另一個祖母比我認識的大多數人都更聰明。您不會在數字上挑戰的那種女人 - 除非您準備失去。她跟踪每盧比。不癡迷，只是精確。在大多數女性知道自己是什麼之前，她建立了一個投資組合。提出正確的問題。跡象文件其他人說她做不到。在婦女沒有掌握錢的時候，她確保沒有其他人能控制自己的人。如果她在不同的時期出生，她就不會在銀行工作。她會運行它。擁有它。

What unites all three of them is this – They’re not afraid of money. They’ve earned it, saved it, stretched it. Handled recessions, family emergencies, rising prices. Built safety nets and made it work – Quietly, with dignity.

將這三個團結在一起的是 - 他們不怕金錢。他們贏得了它，保存了下來，拉伸了它。處理衰退，家庭緊急情況，價格上漲。建造安全網並使其正常工作 - 悄悄地，有尊嚴。

Over time, they adapted to banks. Cards. When the pandemic hit, they paid online – Tapping, typing, hesitating, trying again. Asking questions. Writing things down. Getting it done.

隨著時間的流逝，他們適應了銀行。牌。當大流行襲擊時，他們在網上付款 - 敲擊，打字，猶豫，再次嘗試。問問題。寫下東西。完成它。

It was during that time that I realised… they’re not resistant to change. They’re just rarely invited into it.

正是在那段時間裡，我意識到……它們不抵抗變化。他們很少被邀請參加。

These are my grandparents, and I don’t want the future to leave them behind.

這些是我的祖父母，我不希望未來將他們拋在後面。

When I told them I write about crypto, they blinked.

當我告訴他們我寫有關加密貨幣的文章時，他們眨了眨眼。

“So… my money lives in the air now?”

“所以……我的錢現在活在空中嗎？”

“And what if the internet goes off?”

“如果互聯網熄滅怎麼辦？”

“Is there a switch to this thing?”

“有轉換到這件事嗎？”

“Is this … real?”

“這是……真實嗎？”

They laugh. Not out of dismissal, but nervousness. Because no one ever explained it in a way that made sense to them.

他們笑。不是出於解僱，而是緊張。因為沒有人以對他們有意義的方式解釋它。

They don’t talk about capital flows or on-chain data. But they understand value. Liquidity. Timing. Discipline. Risk. They’ve lived it, in the most human way possible.

他們不談論資本流或鏈上數據。但是他們了解價值。流動性。定時。紀律。風險。他們以最人性的方式生活了。

The world is changing. They see that. They’re not fighting it. They’re just waiting for someone to open the door. It’s not that they can’t or don’t want to learn.

世界在變化。他們看到了。他們不是戰鬥。他們只是在等待有人打開門。這並不是說他們不能或不想學習。

It’s that no one ever made it feel like it was meant for them.

這是沒有人讓它覺得這是對他們的意圖。

So, who’s got a seat at the crypto table?

那麼，誰在加密餐桌上坐下？

The average crypto holder is easy to spot – Not by face, but by data. A recent report by CryptoQuant revealed that 61% of investors are between the ages of 25 and 44. In fact, over a third fall into the 25-34 age bracket. Most are men. Most have degrees.

平均加密持有人很容易被發現 - 不是從面對面而是通過數據。 CryptoQuant最近的一份報告顯示，有61％的投資者年齡在25至44歲之間。實際上，在25-34歲年齡段的三分之一以上。大多數是男人。大多數學位。

Source: Cryptoquant

資料來源：加密

Almost half of them hold a Bachelor’s. Another 28% have gone further. In short – Crypto is young, male, educated, and digitally fluent.

他們中幾乎擁有一個單身漢。另有28％的人走得更遠。簡而言之 - 加密是年輕，男性，受過教育和數字流利的。

Not a flaw. Just a fact.

不是缺陷。只是事實。

However, it also means this financial frontier is being shaped by a very specific kind of user. Everyone else? Still catching up. Or worse – Left behind. And often, the ones furthest from this future aren’t those without money or interest. They’re just older.

但是，這也意味著該財務領域是由非常特定的用戶塑造的。其他人？仍在趕上。或更糟 - 留下來。通常，從這個未來最遠的人並不是那些沒有錢或利益的人。他們只是長大。

In a system built on interfaces and immediacy, age can feel like the most invisible barrier of all.

在建立在界面和即時性的系統中，年齡可能會感覺像是最無形的障礙。

And yes, older adults should be cautious with high-risk assets. But caution isn’t the same as exclusion

是的，老年人應該對高風險資產謹慎。但是謹慎與排除不一樣