比特币：一种潜在的财务排斥解决方案，也是未银行银行账户的更大财务包容性的途径

比特币具有分散的性质和区块链技术，为全球金融排斥挑战提供了潜在的解决方案，为被排除在传统银行系统中的人们提供了更大的财务通道。

Bitcoin’s Role in Enhancing Financial Accessibility for the Unbanked

比特币在增强未银行账户的财务可及性方面的作用

Around 1.7 billion people worldwide remain unbanked, meaning they have no access to traditional banking services. This lack of financial inclusion often limits their ability to participate in the global economy, receive or send money, save securely, and access credit. The unbanked population is particularly prevalent in developing countries, rural areas, and in certain marginalized communities.

全世界约有17亿人没有账户，这意味着他们无法获得传统的银行服务。缺乏金融包容性通常会限制他们参与全球经济，获得或汇款，安全省钱和访问信贷的能力。在发展中国家，农村地区和某些边缘化的社区中，没有银行的人​​口特别普遍。

However, Bitcoin, with its decentralized nature and blockchain technology, offers a potential solution to this global challenge, providing greater financial access for people who are excluded from traditional banking systems. In this article, we explore how Bitcoin and cryptocurrencies can enhance accessibility for the unbanked and provide financial opportunities to individuals who lack access to traditional banking infrastructure.

但是，比特币具有分散的性质和区块链技术，为这一全球挑战提供了潜在的解决方案，为被排除在传统银行系统中的人们提供了更大的财务通道。在本文中，我们探讨了比特币和加密货币如何增强无银行账户的可及性，并为缺乏传统银行基础设施的个人提供财务机会。

The Challenge of Financial Exclusion

财务排除的挑战

Financial exclusion is a significant problem worldwide. People who are unbanked often face numerous barriers that prevent them from accessing financial services:

财务排除是全球一个重大的问题。没有银行银行的人通常会面临许多阻止他们获得金融服务的障碍：

- Lack of traditional identification documents, such as passports or driver's licenses

- 缺乏传统的身份证文件，例如护照或驾驶执照

- No fixed address or proof of residence

- 没有固定地址或居住证明

- Low credit scores or lack of credit history

- 信用评分低或缺乏信用记录

- Minimum balance requirements or high service fees imposed by banks

- 银行征收的最低余额要求或高服务费

- Geographic remoteness or limited access to physical bank branches

- 地理遥远或有限的物理银行分支机构的访问权限

Bitcoin, by contrast, can help solve many of these challenges due to its decentralized, open-access nature. It doesn’t rely on a central authority like a bank, and transactions can be carried out directly between peers, without intermediaries.

相比之下，比特币可以帮助解决许多这些挑战，因为其分散的开放式访问性质。它不依赖像银行这样的中央权威，并且可以在同行之间直接进行交易，而无需中介。

Bitcoin’s Potential to Enhance Accessibility for the Unbanked

比特币增强未账户的可及性的潜力

Bitcoin’s decentralized model and the technology behind it—blockchain—allow it to offer several key advantages that could empower the unbanked population:

比特币的分散模型及其背后的技术（遮挡链）允许它提供几个可以增强人口能力的关键优势：

1. No Need for a Bank Account

1。不需要银行帐户

One of the biggest advantages of Bitcoin is that it doesn’t require users to have a traditional bank account. Instead of relying on banks to process and hold funds, Bitcoin transactions are conducted over a peer-to-peer network using digital wallets. Anyone with access to the internet can download a wallet app and start using Bitcoin, without the need for approval from any central institution. This eliminates the need for formal identification or credit checks, which are often required by traditional financial institutions.

比特币最大的优点之一是，它不需要用户拥有传统的银行帐户。比特币交易不是依靠银行来处理和持有资金，而是使用数字钱包在点对点网络上进行的比特币交易。任何可以访问互联网的人都可以下载钱包应用程序并开始使用比特币，而无需任何中央机构的批准。这消除了对传统金融机构通常需要的正式识别或信用检查的需求。

By simply using a smartphone or computer, individuals can gain access to global financial networks. As long as they can connect to the internet, they can send and receive Bitcoin globally, effectively bypassing the need for traditional banking infrastructure.

通过简单地使用智能手机或计算机，个人可以访问全球金融网络。只要他们可以连接到互联网，他们就可以在全球范围内发送和接收比特币，从而有效地绕开了对传统银行基础设施的需求。

2. Lower Transaction Costs

2。降低交易成本

Bitcoin transactions can be significantly cheaper than traditional financial services, especially for cross-border transfers. The unbanked population, particularly in developing countries, often relies on remittances sent from family members working abroad. Traditional remittance services, like Western Union or MoneyGram, charge high fees for sending money across borders, which can eat into the amount the recipient receives. These fees can range from 5% to 10%, or more, depending on the service and the destination country.

比特币交易可以比传统金融服务便宜得多，尤其是对于跨境转移。没有银行的人​​口，尤其是在发展中国家，通常依赖于从国外工作的家庭成员发送的汇款。传统的汇款服务，例如西联汇款或Moneygram，收取高额费用，以跨境汇款，这可能会吞噬收件人收到的金额。根据服务和目的地国家，这些费用可能从5％到10％或更高。

Bitcoin can drastically reduce these fees, especially for smaller transactions. Even if Bitcoin’s transaction fees fluctuate based on network congestion, they are still often far less expensive than the high charges of traditional remittance services. By using Bitcoin, individuals can send money internationally with lower costs, improving the overall amount received.

比特币可以大大降低这些费用，尤其是对于较小的交易。即使比特币的交易费用基于网络拥塞而波动，它们的价格也比传统汇款服务的高收费还要低得多。通过使用比特币，个人可以在国际上以较低的成本汇款，从而提高收到的总额。

3. Financial Inclusion for the Unbanked

3。无银行账户的财务包容性

With Bitcoin, anyone with an internet connection can become part of the global financial system. Unlike traditional financial institutions, which may require proof of identity, credit scores, and a permanent address to open an account, Bitcoin can be accessed anonymously. All a person needs to get started is a smartphone and an internet connection.

使用比特币，任何具有互联网连接的人都可以成为全球金融体系的一部分。与传统的金融机构不同，这可能需要身份证明，信用评分和开设帐户的永久地址不同，可以匿名访问比特币。一个人开始使用的只是智能手机和互联网连接。

This is particularly important in regions where large portions of the population lack formal identification documents. For example, in many African or Latin American countries, many citizens do not have government-issued identification, making it difficult for them to open bank accounts or access financial services. Bitcoin, however, bypasses these barriers entirely.

这在大部分人口缺乏正式身份文件的地区尤其重要。例如，在许多非洲或拉丁美洲国家中，许多公民没有政府发行的身份证明，这使得他们很难开设银行帐户或访问金融服务。但是，比特币完全绕过这些障碍。

Additionally, Bitcoin can offer micro-financing opportunities to people who don’t have access to loans from traditional banks. In some areas, Bitcoin can provide an alternative to credit for individuals who are otherwise excluded from financial services due to their lack of credit history.

此外，比特币可以为无法获得传统银行贷款的人们提供微交易的机会。在某些领域，比特币可以为那些由于缺乏信用记录而被排除在金融服务中的个人提供替代信贷。

4. Cross-Border Payments and Remittances

4。跨境支付和汇款

One of the most exciting potential benefits of Bitcoin for the unbanked is its ability to facilitate cross-border payments and remittances. Remittance flows are a lifeline for many people living in developing countries, and Bitcoin can significantly reduce the costs and time involved in sending money from one country to another.

比特币最令人兴奋的潜在好处之一是无银行账户的能力，可以促进跨境支付和汇款。对于许多居住在发展中国家的人来说，汇款流是一条生命线，比特币可以大大降低将钱从一个国家汇款到另一个国家的成本和时间。

According to the World Bank, in some regions, the cost of sending remittances can be as high as 10% of the total transfer. Bitcoin allows for direct transfers from sender to recipient, bypassing intermediaries and lowering costs. This can make it easier for families to receive money from relatives working abroad and for businesses to engage in global trade. Bitcoin’s global accessibility allows for fast, efficient, and low-cost transactions, which is particularly important for people in low-income or unbanked communities.

根据世界银行的数据，在某些地区，发送汇款的成本可能高达总转移的10％。比特币允许直接从发送者转移到收件人，绕过中介机构并降低成本。这可以使家庭更容易从在国外工作的亲戚和企业从事全球贸易的资金。比特币的全球可访问性允许快速，高效和低成本的交易，这对于低收入或无银行社区的人尤为重要。

5. Security and Privacy

5。安全和隐私

Bitcoin transactions are

比特币交易是