探索加密貨幣中自我顧客的風險和回報，重點關注種子短語及其介紹的責任。是真的“成為您自己的銀行”還是只是在改變負擔？

Seed Phrase, Self Custody, and Liability: Are You Really Your Own Bank?

種子短語，自我監護和責任：您真的是自己的銀行嗎？

Self-custody has always been a core tenet of the crypto world, promising freedom from traditional financial institutions. But with that freedom comes responsibility, particularly when it comes to seed phrases. Are they the key to true ownership, or a liability waiting to happen?

自我顧客一直是加密世界的核心宗旨，有望擺脫傳統金融機構的自由。但是，隨著這種自由的責任，尤其是在種子短語方面。它們是真正所有權的關鍵，還是等待發生的責任？

The Illusion of Control: Seed Phrases and Self-Custody

控制的幻想：種子短語和自我顧客

For many, self-custody is about having the right to "be your own bank." It's a practical move to protect assets from exchange hacks and mismanagement, like keeping a safe full of cash at home. The industry standard for recovery, the seed phrase, can often lead to significant losses when mishandled. In the early days of Bitcoin, managing private keys was the only option. Seed phrases were introduced to simplify this, using a sequence of words to represent a private key, as outlined in Bitcoin Improvement Proposal-39 (BIP-39). While easier to manage than long strings of characters, the risk of loss through human error, theft, or disaster remains the same.

對於許多人來說，自我顧客是有權“成為自己的銀行”。這是保護資產免受交換駭客和管理不善的實際舉措，例如在家中保證充滿現金。種子短語的行業恢復標准通常會導致不當行為時造成重大損失。在比特幣的早期，管理私鑰是唯一的選擇。引入種子短語來簡化這一點，使用一系列單詞代表一個私鑰，如比特幣改進建議-39（BIP-39）所述。雖然比長長的字符更容易管理，但通過人為錯誤，盜竊或災難的損失風險仍然相同。

The Stone Age Security of Seed Phrases

種子短語的石器時代安全性

The problem is that self-custody has become synonymous with seed phrases, but a seed phrase is more of a liability than a capability. Sure, it lets you regenerate your keys, but it also gives anyone who sees it complete access to your funds. People resort to archaic security measures like burying them or stamping them on heat-resistant alloys. Is this really the pinnacle of security for digital cash? Managing a seed phrase might be better than dealing with private key material, but it’s still not great for security, safety, or user experience.

問題在於，自我顧客已成為種子短語的代名詞，但是種子短語更多的是責任而不是能力。當然，它可以使您重新生成鑰匙，但它還使任何看到它完全訪問您的資金的人。人們訴諸於古老的安全措施，例如埋葬它們或將其蓋在耐熱合金上。這真的是數字現金的安全巔峰嗎？管理種子短語可能比處理私鑰材料更好，但仍然不適合安全，安全或用戶體驗。

XO Pay: A Step Towards User-Friendly Self-Custody

XO Pay：邁向用戶友好的自我客戶的一步

Companies like Exodus are trying to make self-custody more accessible. Exodus has launched XO Pay, allowing users to buy and sell crypto directly within their mobile wallet, powered by Coinme’s Crypto-as-a-Service (CaaS) API platform. This allows customers to purchase BTC within the wallet without going through third-party exchanges while keeping full control of their assets. This simplifies the process of purchasing cryptocurrencies such as Bitcoin. By integrating the purchasing process directly into the mobile wallet, Exodus is removing barriers and simplifying the journey from fiat to crypto, and back. This is part of Exodus’ broader mission to make digital assets more secure, as the demand for Bitcoin is increasing.

像Exodus這樣的公司正試圖使自我顧客更容易訪問。 Exodus已經推出了XO Pay，允許用戶在其移動錢包中直接購買和出售加密貨幣，該錢包由Coinme的Crypto-As-As-Service（CAAS）API平台提供支持。這使客戶可以在錢包內購買BTC，而無需進行第三方交流，同時全力控制其資產。這簡化了購買加密貨幣（例如比特幣）的過程。通過將採購過程直接集成到移動錢包中，Exodus正在消除障礙，並簡化從菲亞特到加密貨幣的旅程。隨著對比特幣的需求正在增加，這是Exodus更加安全的更廣泛使命的一部分。

The Future of Self-Custody

自我顧客的未來

Bitcoin is meant to be electronic cash, software meant to be used. Securing it shouldn't be a source of anxiety and difficulty. The future of money should be intuitive, inspire confidence, and not result in lost coins due to typos or lost slips of paper. Seed phrases are a clunky stopgap, not the end game for a digital currency. It's time to stop treating them as the defining characteristic of self-custody.

比特幣本來是電子現金，旨在使用的軟件。確保它不應該是焦慮和困難的根源。金錢的未來應該是直觀的，激發了信心，並且不會因錯別字或紙張丟失而導致硬幣丟失。種子短語是一個笨拙的停車，而不是數字貨幣的最終遊戲。現在是時候停止將它們視為自我顧客的定義特徵了。

So, are you really your own bank with a seed phrase? Maybe not entirely. But as technology evolves and companies prioritize user-friendly solutions, the promise of true self-custody might just be within reach. Until then, keep those seed phrases safe… or maybe explore some better options!

那麼，您真的是用種子短語的銀行嗎？也許不是完全。但是，隨著技術的發展和公司優先考慮用戶友好的解決方案，真正的自我顧客的承諾可能只是可以實現的。在此之前，請確保這些種子短語安全……或者可能探索一些更好的選擇！