加密货币失去了道德指南针。我们必须将其归还其分散的根源

本文是出于一般信息目的，不打算被视为法律或投资建议。

Crypto was born from a vision to decentralize power, democratize finance and build systems where equity prevails over exploitation. Somewhere along the way, however, the movement lost its moral compass.

加密货币从愿景中出生，使权力分散，使财务民主化和建立股权胜过剥削的系统。然而，一路上的某个地方，运动失去了道德指南针。

As speculation surged, purpose dwindled.

随着猜测的激增，目的减少了。

We must return crypto to its decentralized roots, a technological revolution built on long-term value, inclusivity and ethics rather than cyclical, speculative gains. The industry should take inspiration from emerging regions and how ethical financial investing can help to repair some of the ways our industry has often fallen short.

我们必须将加密货币归还其分散的根源，这是基于长期价值，包容性和伦理而不是周期性的投机性收益的技术革命。该行业应该从新兴地区汲取灵感，以及道德金融投资如何帮助修复我们的行业经常下跌的一些方式。

The rise of layer 2

第2层的崛起

When Vitalik wrote a blog post on layer 2s as a cultural extension of Ethereum, he brought up a critical point not only in business and technology but humanity — what we build in this life should be more significant than ourselves.

当Vitalik在第2层上写了一篇博客文章作为以太坊的文化延伸时，他不仅在商业和技术中，而且在人类方面提出了关键点 - 我们在这一生中建立的东西应该比我们自己更重要。

Citing blockchains, he described how layer 2s, which he framed as subcultures of Ethereum, don’t merely differ in their technical benefits but how their positioning and intricacies trickle down into the culture of their communities.

他援引区块链的描述，他描述了他是如何将其作为以太坊亚文化的第2层如何在其技术益处上有所不同，而是他们的位置和复杂性如何滴入社区的文化中。

In a space where new layer 2s are emerging rapidly, Vitalik’s insights are accurate and inspiring. When we build in a vacuum of echo chambers and monocultures, we miss out on the actual value of community in Web3.

在新层2迅速出现的空间中，Vitalik的见解是准确而鼓舞人心的。当我们建立在回声室和单一文化的真空中时，我们会错过Web3中社区的实际价值。

What really brings communities together? Too often in crypto, that answer has been making people rich. What it should be is shared ideals that solve real issues. If done with purpose and conviction, this can still make people money.

是什么真正使社区聚集在一起？在加密货币中，这个答案经常使人们变得富有。应该是共享解决实际问题的理想。如果以目的和信念完成，这仍然可以赚钱。

Layer-2 fatigue aside, the sheer scope of this data raises the question: Is our industry innovating just because it can, or is it creating a real-world utility that improves the lives of fellow humans? There’s nothing wrong with building something to make money, but if that’s the only reason we’re building something, that’s a problem.

除了第2层的疲劳之外，此数据的纯粹范围提出了一个问题：我们的行业是因为它可以创新，还是创造了改善人类生活的现实世界实用程序？建造一些赚钱的东西没有错，但是如果这是我们建造一些东西的唯一原因，那就是问题。

Recent: Islamic finance and Web3 take stage at Istanbul Blockchain Week

最近：伊斯兰金融和Web3在伊斯坦布尔区块链周举行

We need to shift the narrative and look at how Web3 is solving actual, fundamental issues in emerging markets — particularly in regions like the Middle East, Southeast Asia and Africa — as a north star for how to ethically build the future of our space.

我们需要改变叙述，并将Web3在新兴市场（尤其是在中东，东南亚和非洲等地区）中的实际基本问题（尤其是在中东，东南亚和非洲等地区）视为北极星，以便如何在道德上建立我们空间的未来。

What does innovation indeed mean?

创新确实意味着什么？

If crypto projects think innovation in Web3 is only about VC-led fundraising rounds, comparing transactions per second, or building the next great decentralized application to trade cat coins, they have probably never existed in a place where even the simplest of financial transactions is cumbersome.

如果加密项目认为Web3中的创新仅是关于VC领导的筹款回合，每秒比较交易或构建下一个出色的分散式猫硬币应用程序，那么即使是最简单的金融交易也不是在繁琐的地方，它们也可能从未存在。

In emerging markets, where people grapple with inflation, high remittance fees and limited access to financial services, we’ve witnessed how meaningful effects can transform the daily lives of millions. These are not abstract issues. They affect business owners, families, students, creators and more.

在新兴市场中，人们应对通货膨胀，高汇款费以及获得金融服务的机会有限，我们目睹了有意义的效果如何改变数百万的日常生活。这些不是抽象的问题。它们影响企业主，家庭，学生，创作者等。

From stablecoins to secure and user-friendly payment applications, Web3 offers a unique opportunity to address these problems by creating decentralized financial systems that bypass the inefficiencies and inequities of traditional banking. For Web3 to truly make a difference in these regions, it must be designed with a focus on ethics, accessibility and long-term utility. We must lead by example.

从Stablecoins到保护且用户友好的付款应用程序，Web3提供了一个独特的机会来解决这些问题，通过创建分散的金融系统绕过效率低下和传统银行业务的不平等现象。为了使Web3真正改变这些区域，必须将其设计为道德，可访问性和长期实用程序。我们必须以身作则。

In these markets, if innovation doesn’t create a meaningful disruption that improves people’s lives and addresses real-world problems, it’s nothing more than a buzzword. The most powerful solutions in technology are those that solve the world’s greatest problems.

在这些市场中，如果创新并没有造成有意义的破坏，从而改善了人们的生活并解决了现实世界中的问题，那无非就是一个流行语。技术中最强大的解决方案是解决世界上最大问题的方法。

Ethical finance — Web3’s future?

道德金融 - Web3的未来？

If you want inspiration, pay attention to those doing something different. If you want to inspire others, lead by example.

如果您想灵感，请注意那些做不同事情的人。如果您想激发他人，请以身作则。

Ethical finance, particularly Islamic finance, offers valuable lessons for Web3. Dating back to the 1960s and 1970s in the Middle East and North Africa (and even further to around 620 AD), this sector is built on risk-sharing, ethical investment and a focus on tangible assets.

道德金融，尤其是伊斯兰金融，为Web3提供了宝贵的课程。该行业的历史可以追溯到中东和北非的1960年代和1970年代（甚至更远的公元620年），该行业建立在风险分担，道德投资和关注切实资产的基础上。

Islamic finance has endured for centuries because it rejects speculation in favor of real, meaningful value. For example, we’ve seen the rise of ethical finance institutions like Al Rajhi Bank, one of the most prominent Islamic banks globally, known for its investments in tangible assets and community-oriented financial products.

伊斯兰金融已经持续了几个世纪，因为它拒绝投机，而有利于实际，有意义的价值。例如，我们看到了诸如Al Rajhi Bank之类的道德金融机构的兴起，Al Rajhi Bank是全球最杰出的伊斯兰银行之一，以其在有形资产和社区为导向的金融产品上的投资而闻名。

This model, which strives to build based on morals, substance and necessity versus mere financial opportunity, can guide Web3 as it moves beyond hype-driven growth.

该模型努力根据道德，实质和必要性与仅仅经济机会建立，可以指导Web3超越炒作驱动的增长。

Build by example

以身作则

As we look toward the next few years with the wind and a bull market beneath our wings, the time has come for Web3 to take a hard look in the mirror and redefine what success and innovation genuinely look like. The answer to this won’t be the same for everyone — that would be pretty boring if it were.

当我们在接下来的几年中以风和翅膀下方的牛市看待，Web3是时候对镜子进行艰难的眼光并重新定义了成功和创新的真实外观。这个答案对每个人来说都不会一样 - 如果是这样，那将很无聊。

We must find a common ground of shared values that extends beyond technical achievements, market capitalization, total value locked or X followers but strives to innovate something more significant than any layer 2 or token.

我们必须找到共享价值的共同基础，该基础超出了技术成就，市值，总价值锁定或X追随者，但努力创新比任何2层或代币更重要的东西。

When gearing up to launch something new, our industry must ask itself something that lives at the heart of Islamic finance: How will

当准备发起新的东西时，我们的行业必须问自己生活在伊斯兰金融核心的事物：如何如何