“不是你的钥匙，不是你的加密货币”：自我托管争论愈演愈烈

“不是你的密钥，不是你的加密货币”是加密货币中最常重复的短语之一。这很可能是因为 2022 年发生的破产事件

The phrase "Not your keys, not your crypto" has been circulating throughout the crypto community for some time now. As the bankruptcies of 2022 demonstrated once again, if you're not personally holding your crypto funds, they could potentially go up in flames. After all, there is no Federal Deposit Insurance Corporation (FDIC) to fall back on as there is in banking.

“不是你的密钥，不是你的加密货币”这句话已经在加密货币社区流传了一段时间。正如 2022 年的破产事件再次证明的那样，如果您不是亲自持有加密货币基金，它们可能会付诸东流。毕竟，没有像银行业那样可以依赖的联邦存款保险公司（FDIC）。

Despite this, many people still rely on centralized institutions like Coinbase to hold their crypto for them.

尽管如此，许多人仍然依赖像 Coinbase 这样的中心化机构来为他们持有加密货币。

In the ongoing debate about cryptocurrency self-custody, Roundtable anchor Rob Nelson brought up a crucial point: Is it really necessary?

在关于加密货币自我托管的持续争论中，圆桌会议主播 Rob Nelson 提出了一个关键点：真的有必要吗？

"Do I have to really eventually self-custody?" Nelson asked, reflecting a common hesitation about the complexity involved. He acknowledged that many people avoid self-custody due to its perceived difficulty and their reluctance to learn.

“我最终真的必须自我监护吗？”纳尔逊问道，反映出人们对所涉及的复杂性普遍犹豫不决。他承认，许多人由于认为自我监管很困难并且不愿意学习而避免自我监管。

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Caitlin Long on Bitcoin's 'not your keys, not your coins' custody mantra

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Caitlin Long, CEO of Custodia Bank, addressed these concerns by presenting alternatives to self-custody, such as ETFs and multisig arrangements.

Custodia Bank 首席执行官 Caitlin Long 通过提出自我托管的替代方案（例如 ETF 和多重签名安排）来解决这些担忧。

"There are ETFs, centralized exchanges, and multisig setups where a service provider helps you manage your private keys," Long explained.

“有 ETF、中心化交易所和多重签名设置，服务提供商可以帮助您管理私钥，”Long 解释道。

She stressed that without self-custody, users effectively lend their assets to institutions, which could fail. Learning self-custody, she argued, is essential for true financial security.

她强调，如果没有自我托管，用户实际上会将资产借给机构，而机构可能会失败。她认为，学习自我保管对于真正的财务安全至关重要。

Nelson compared this to the American tradition of self-reliance, suggesting that preparing for potential digital disruptions should follow the same principles.

尼尔森将此与美国自力更生的传统进行了比较，建议为潜在的数字颠覆做好准备应遵循相同的原则。

"If the power goes out or everything goes wrong, I know what to do," he said, implying that the same mindset applies to digital finances.

他说：“如果停电或一切都出了问题，我知道该怎么做。”这意味着同样的心态也适用于数字金融。

Long concurred, noting that individuals in less developed regions often have to become proficient in managing their finances due to necessity.

龙对此表示同意，并指出欠发达地区的个人往往因需要而必须精通财务管理。

Long further emphasized that even in the relatively stable U.S. financial system, preparing for disruptions is wise. She likened self-custody to purchasing insurance, stating, "If you knew you could control your own future and didn't invest the time, would you regret it if something happened?"

朗进一步强调，即使在相对稳定的美国金融体系中，为破坏做好准备也是明智的。她将自我监护比作购买保险，并表示：“如果你知道自己可以掌控自己的未来，却没有投入时间，万一发生什么事，你会后悔吗？”

She urged people to take self-custody as seriously as they would insurance, highlighting its importance for ensuring financial security and independence.

她敦促人们像对待保险一样认真对待自我保管，强调其对于确保财务安全和独立的重要性。