颠簸的股票市场将投资者推向黄金或政府债券等避风港投资，但是加密货币呢？

比特币是开创性的数字货币，在去年12月的16年历史上首次超过了创纪录的一年，超过了100,000美元。

A bumpy stock market and rising geopolitical tensions have lately pushed investors toward safe haven investments like gold or government bonds — but what about cryptocurrency?

颠簸的股票市场和地缘政治紧张局势上升使投资者推向了黄金或政府债券等避风港投资，但是加密货币呢？

With the crypto market having seen better days this year, some investors might be wondering if there’s still time to get involved.

随着加密货币市场今年过得更好，一些投资者可能想知道是否还有时间参与。

Bitcoin, the pioneering digital currency, is coming off a record-breaking year, having surpassed $100,000 for the first time in its 16-year history last December.

比特币是开创性的数字货币，在去年12月的16年历史上首次超过了100,000美元的创纪录的一年。

It has seen a wild ride since, briefly tumbling as low as $75,000 earlier this month over anxieties about a trade war. The price has recently bounced back, topping $90,000.

从那以后，这一次狂野的旅程短暂地低至本月初的忧虑，低至75,000美元。价格最近反弹，高达90,000美元。

But its notorious volatility doesn’t mean it can’t be part of a mainstream investing strategy, proponents say.

支持者说，但臭名昭著的波动并不意味着它不能成为主流投资策略的一部分。

“In some ways, it’s riskier not to hold any crypto, just how a financial advisor would be like, ‘You should have some stocks. You should have some bonds. You should have some real estate,’” Ben Weiss, co-founder and chief executive of CoinFlip, a crypto ATM provider, told The Post.

“在某些方面，不持有任何加密货币的风险，就是财务顾问的样子，'您应该有一些股票。您应该有一些债券。您应该拥有一些房地产，'” Coinflip的联合创始人兼首席执行官Ben Weiss，加密货币ATM的联合创始人兼首席执行官告诉该帖子。

“I think crypto’s gotten to the point where it’s a key part of any portfolio,” he continued.

他继续说：“我认为加密货币已经成为任何投资组合的关键部分的地步。”

“It’s fully online. It’s made for the internet. It’s borderless and secured by code instead of a centralized third-party.”

“它是完全在线的。它是为互联网制作的。它是无边界的，由代码而不是集中的第三方确保。”

That borderless nature makes cryptocurrency more accessible, in some respects, than regular currencies.

这种无边界的性质使加密货币在某些方面比常规货币更容易获得。

Anyone with a connection to the internet can partake, and it can be transferred easily from a user in one country to another.

任何与Internet连接的人都可以参与，并且可以轻松地将其从一个国家的用户转移到另一个国家。

Take wire transfers at a bank, for example. If you want to send $100 to someone in another country, it takes time and approval from the bank. But you can send $100 worth of crypto to anyone worldwide with the click of a button.

例如，在银行进行电汇。如果您想向另一个国家的某人发送100美元，则需要时间和批准。但是，您可以通过单击按钮向全世界的任何人发送价值100美元的加密货币。

US stablecoins “helped a lot of people in South America, especially Argentina, with inflation and a lack of trust with their government and banks,” Charles St. Louis, chief executive of DELV, which builds crypto infrastructure, told The Post.

美国Stablecoins“在通货膨胀和对政府和银行缺乏信任方面帮助许多人，尤其是阿根廷的许多人”，建立了加密基础设施的Delv首席执行官查尔斯·圣路易斯（Charles St. Louis）告诉《邮报》。

Stablecoins are forms of cryptocurrency that are typically pegged to a traditional commodity or currency, like the US dollar.

稳定币是加密货币的形式，通常将其固定在传统的商品或货币上，例如美元。

“The Argentine peso was almost 60% inflated, and they couldn't trust their government or banks to hold their money, so they stored US dollars in their pillowcases and mattresses,” St. Louis said. “What the US stablecoin really allowed for them was to be in control of their own money and be able to spend it freely, and it really became popular there.”

圣路易斯说：“阿根廷比索几乎膨胀了60％，他们不信任政府或银行持有钱，因此他们将美元存储在枕套和床垫中。” “美国Stablecoin真正允许的是控制自己的钱，并能够自由地花钱，并且在那里确实变得很受欢迎。”

Here are some popular cryptocurrencies:

这是一些流行的加密货币：

The concept of digital cash might ring some bells. Think of PayPal, Venmo or even credit cards.

数字现金的概念可能会敲响一些铃铛。想想PayPal，Venmo甚至信用卡。

But unlike these other forms of digital currency, cryptocurrency is not pegged to anything “tangible,” like gold, silver or a fiat currency.

但是，与这些其他形式的数字货币不同，加密货币并没有将任何“有形”，例如黄金，银或法定货币固定。

Some legacy investors – like Warren Buffett, the 94-year-old “Oracle of Omaha” – have sworn to never invest in crypto, partly for this reason.

一些旧的投资者 - 像94岁的“奥马哈甲骨文”这样的沃伦·巴菲特（Warren Buffett）宣誓就不投资加密货币，部分原因是出于这个原因。

“In terms of cryptocurrencies, generally, I can say with almost certainty that they will come to a bad ending,” Buffett said during a 2018 interview. He once likened the digital currency to “rat poison,” and has vowed his firm, Berkshire Hathaway, will never have a position in it.

巴菲特在2018年的一次采访中说：“就加密货币而言，我几乎可以肯定地说，它们会取得糟糕的结局。”他曾经将数字货币比作“老鼠毒”，并誓言他的公司伯克希尔·哈撒韦（Berkshire Hathaway）永远不会在其中拥有立场。

But crypto l0yalists will argue that, in the end, most traditional investments and currencies aren’t pegged to anything that’s actually more tangible.

但是，加密元素的人会争辩说，最终，大多数传统的投资和货币并没有将实际上更明显的任何事物挂钩。

“There’s only 21 million Bitcoin that will ever be in circulation,” Weiss said. “It’s one of the hardest assets out there.”

魏斯说：“只有2100万比特币会流通。” “这是那里最难的资产之一。”

“I would argue the dollar isn’t tied to anything, except the full faith and credit of the US government. Gold is a rock. Yeah, people use it in jewelry, but it’s not where it gets its value from, so Bitcoin is most akin to a digital gold.”

“我认为除了美国政府的全部信仰和信誉外，金钱是一块岩石。是的，人们在珠宝中使用它，但它不是从中获得价值的地方，因此比特币最类似于数字黄金。”

The name of the game when investing into crypto is to hold on and let it accrue value as a hedge against inflation and bad government – not spend it on a coffee at Starbucks, experts advise.

专家建议，投资加密货币时的游戏名称是坚持下去，并让它获得价值作为抵制通货膨胀和不良政府的对冲 - 而不是在星巴克喝咖啡。

“It’s about accumulation in America. They’re more looking at, how do I get Bitcoin? Instead of, how do I spend Bitcoin?” Chris Kline, co-founder and COO of BitcoinIRA, a crypto retirement platform, said.

“这是关于在美国的积累。他们更多地看着，我如何获得比特币？而不是，我如何花比特币？” Crypto退休平台Bitcoinira的联合创始人兼首席运营官Chris Kline表示。

“Where we might be in the next five to 10 years is, how do I use the Bitcoin that I have in order to pay my bills and do other things?”

“在接下来的五到十年中，我们可能会在哪里，我该如何使用比特币来支付账单并做其他事情？”

Download a trusted exchange app — Start by choosing a licensed crypto exchange. We recommend starting with the Best Wallet app, available for both iOS and Android.

下载可信赖的交换应用程序 - 首先选择许可的加密交易所。我们建议您从最佳的钱包应用程序开始，可用于iOS和Android。

Create and verify your account — Sign up using your email, Google, or Apple ID. To complete registration, you’ll need to verify your identity with a government-

创建并验证您的帐户 - 使用您的电子邮件，Google或Apple ID注册。要完成注册，您需要与政府验证自己的身份 -