比特币可以成为世界的储备货币吗？贝莱德首席执行官拉里·芬克（Larry Fink）认为

自第二次世界大战结束以来，美元一直是国际储备货币。那会改变吗？

The U.S. dollar has been the international reserve currency since the end of World War II, but could that be changing? BlackRock (NYSE:BLK) CEO Larry Fink, along with several crypto experts, believe there’s a chance. Not immediately, but someday. Maybe.

自第二次世界大战结束以来，美元一直是国际储备货币，但这会发生变化吗？ BlackRock（NYSE：BLK）首席执行官Larry Fink以及几位加密专家都相信有机会。不是立即，而是有一天。或许。

“It is very unlikely in the short term,” said CK Zheng, co-founder and CIO of ZX Squared Capital. “But in the long run, the possibility is increasing.”

ZX Squared Capital的联合创始人兼CIO CK Zheng说：“在短期内，这不太可能。” “但是从长远来看，可能性正在增加。”

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The dollar’s relative stability has made it the currency of choice for international exchange and a generally recognized “safe” place to store wealth for nearly a century. In his annual letter to investors, Fink wrote, “If the U.S. doesn’t get its debt under control, if deficits keep ballooning, America risks losing that position to digital assets like bitcoin.”

美元的相对稳定性使其成为国际交流的首选货币，也是一个公认的“安全”储存财富的地方，可以存储近一个世纪的财富。芬克在给投资者的年度信中写道：“如果美国没有控制债务，如果赤字不断膨胀，美国就有可能将该立场失去该职位，将其失去给比特币等数字资产。”

“The natural evolution of money could end up being decentralized finance,” said Jonathan Rose, CEO of Genesis Gold Group. Pointing to some of the advantages, he shared that cryptocurrencies like bitcoin offer “faster, cheaper, more transparent” transactions.

Genesis Gold Group首席执行官乔纳森·罗斯（Jonathan Rose）说：“金钱的自然发展可能最终是分散的财务。”他指出了一些优点，他分享说，像比特币这样的加密货币提供了“更快，更便宜，更透明的”交易。

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Challenges of DeFi

Defi的挑战

However, challenges arise in terms of the safety, security and accessibility of bitcoin as a primary means of currency. “It would take a while for full integration,” Rose said.

但是，就比特币作为货币的主要手段的安全性，安全性和可及性而引起的挑战。罗斯说：“完全集成需要一段时间。”

Likewise, there will be a learning curve for people to understand what investing, storing and using crypto entails. “If you’re going to invest in these digital assets, you’ve got to have military-grade encryption… 24/7 safety and security, with insurance,” he said.

同样，人们将有一条学习曲线，以了解投资，存储和使用加密货币所需的内容。他说：“如果您打算投资这些数字资产，就必须拥有军事级加密……24/7安全和保险。”

“Crypto custodian services with strict regulatory compliance provide a great solution for most of the investors,” Zheng added.

Zheng补充说：“具有严格监管合规性的加密托管服务为大多数投资者提供了一个很好的解决方案。”

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Could Bitcoin Become the World’s Currency?

比特币可以成为世界货币吗？

“In a future world of no dominant fiat currency, bitcoin could become the world reserve currency given the nature of decentralization,” Zheng said. “For that to happen, it requires most of the world powers to embrace it.”

郑说：“在没有占主导地位的菲亚特货币的未来世界中，鉴于权力下放的性质，比特币可能成为世界储备货币。” “为了实现这一目标，它要求世界上大多数的力量拥抱它。”

An overnight shift to a new world reserve would create market turmoil. Even a gradual shift could wreak havoc on the U.S. economy. “If the U.S. loses the reserve currency, its political and economic influences around the world would greatly be diminished,” Zheng said.

隔夜转向新世界储备将造成市场动荡。即使是逐步的转变也可能对美国经济造成破坏。郑说：“如果美国损失了储备货币，那么世界各地的政治和经济影响将大大减少。”

Rose agreed, emphasizing that the U.S. would need to position itself as a leader in any new world reserve.

罗斯同意，强调美国将需要将自己定位为任何新世界储备中的领导者。

On April 10, 2025, President Donald Trump signed the Carey Bill, which eliminates the Internal Revenue Service (IRS) Digital Assets Sale and Exchanges Rule. This is an important step since the rule required decentralized finance brokers to submit information reports to the IRS the same way other investment brokers do.

2025年4月10日，唐纳德·特朗普总统签署了凯里法案，该法案消除了国税局（IRS）数字资产销售和交流规则。这是一个重要的步骤，因为该规则要求分散的财务经纪人将信息报告与其他投资经纪人相同的方式提交信息报告。

“With an administration that’s very crypto-friendly, they’re planting little seeds, prepping the public, that [crypto and decentralized finance] is here to stay,” Rose said.

罗斯说：“有了一个非常适合加密货币的政府，他们正在种植很少的种子，为公众做准备，即加密和分散的财务将留在这里。”

For investors today, these changes could bode well for the stability of bitcoin, as well as other large-cap cryptocurrencies like ETH and SOL. “If bitcoin becomes a reserve currency, it will truly become the ‘digital gold,'” Zheng concluded.

对于当今的投资者而言，这些变化对于比特币的稳定性以及其他大型加密货币（如ETH和SOL）的稳定性可能很好。 Zheng总结说：“如果比特币成为储备货币，它将真正成为'数字黄金'。”

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