我的祖父母从来没有拥有加密货币。但是他们一直都知道自己的钱。

当我年轻，需要钱来供学校用品，小吃或人力车旅行时，他会拿出一张纸条，好像它一直在等我。

My grandfather prefers cash. Not in a wallet, neatly zipped up or tucked away, but haphazardly folded into his shirt pocket. Or slipped behind pages of an old diary. Or perhaps wedged between faded receipts in a drawer by the TV. Never a lot. Just enough so that someone, somewhere down the line, might feel like they thought ahead.

我的祖父更喜欢现金。不在钱包里，整齐地拉开或藏起来，而是随意地折叠成他的衬衫口袋。或滑到旧日记的页面后面。或者也许是在电视上的抽屉里褪色的收据之间。从来没有很多。足够，以至于某个地方的某个地方可能会觉得他们想到了。

When I was younger and needed money for school supplies, snacks, or a rickshaw ride, he’d pull out a note as if it had been waiting there just for me. He isn’t flashy, but he never withholds. He gives with the confidence of someone who’s always kept enough. Generous in a way only the truly clever with money know how to be.

当我年轻，需要钱来供学校用品，小吃或人力车旅行时，他会拿出一张纸条，好像它一直在等我。他并不浮华，但他从不拒绝。他充满信心地赋予了一个始终保持足够的人。只有真正聪明的钱才能成为慷慨。

My grandmother’s world runs on order. Everything has its place, including her money. She keeps multiple purses, each with its own… ecosystem of cash – One for daily use, one “just in case,” and a few reserved for emergencies. Although what qualifies as an emergency is a mystery to the rest of us. It doesn’t matter. She knows.

我祖母的世界在秩序上运行。一切都有其位置，包括她的钱。她保留多个钱包，每个钱包都有自己的……现金生态系统 - 一个用于日常使用，一个“以防万一”，还有一些用于紧急情况。尽管有资格成为紧急情况是我们其他人的谜。没关系。她知道。

Her cash is never crumpled like my grandfather’s. She flattens each note, smoothing the corners on her knee with the same care people probably give to love letters. She owns a credit card now… reluctantly. Only for hospital visits, she says, tapping it like it’s a visa to a foreign place she doesn’t plan to stay long in. She may feel weary, but she’s certainly found her footing with it.

她的现金永远不会像我祖父的那样皱巴巴。她使每个音符变平，使膝盖上的角落平滑，人们可能会给情书提供相同的照顾。她现在拥有一张信用卡……勉强。她说，只有为了医院的探访，就像是签证她不打算停留很长时间的外国地方的签证。

My other grandmother is sharper than most people I know. The kind of woman you don’t challenge on numbers – unless you’re ready to lose. She tracks every rupee. Not obsessively, just with precision. She built a portfolio before most women her age knew what one was. Asks the right questions. Signs papers others said she couldn’t. At a time when women didn’t handle money, she made sure no one else would control hers. If she’d been born in a different time, she wouldn’t just have worked at a bank. She’d have run it. Owned it.

我的另一个祖母比我认识的大多数人都更聪明。您不会在数字上挑战的那种女人 - 除非您准备失去。她跟踪每卢比。不痴迷，只是精确。在大多数女性知道自己是什么之前，她建立了一个投资组合。提出正确的问题。迹象文件其他人说她做不到。在妇女没有掌握钱的时候，她确保没有其他人能控制自己的人。如果她在不同的时期出生，她就不会在银行工作。她会运行它。拥有它。

What unites all three of them is this – They’re not afraid of money. They’ve earned it, saved it, stretched it. Handled recessions, family emergencies, rising prices. Built safety nets and made it work – Quietly, with dignity.

将这三个团结在一起的是 - 他们不怕金钱。他们赢得了它，保存了下来，拉伸了它。处理衰退，家庭紧急情况，价格上涨。建造安全网并使其正常工作 - 悄悄地，有尊严。

Over time, they adapted to banks. Cards. When the pandemic hit, they paid online – Tapping, typing, hesitating, trying again. Asking questions. Writing things down. Getting it done.

随着时间的流逝，他们适应了银行。牌。当大流行袭击时，他们在网上付款 - 敲击，打字，犹豫，再次尝试。问问题。写下东西。完成它。

It was during that time that I realised… they’re not resistant to change. They’re just rarely invited into it.

正是在那段时间里，我意识到……它们不抵抗变化。他们很少被邀请参加。

These are my grandparents, and I don’t want the future to leave them behind.

这些是我的祖父母，我不希望未来将他们抛在后面。

When I told them I write about crypto, they blinked.

当我告诉他们我写有关加密货币的文章时，他们眨了眨眼。

“So… my money lives in the air now?”

“所以……我的钱现在活在空中吗？”

“And what if the internet goes off?”

“如果互联网熄灭怎么办？”

“Is there a switch to this thing?”

“有转换到这件事吗？”

“Is this … real?”

“这是……真实吗？”

They laugh. Not out of dismissal, but nervousness. Because no one ever explained it in a way that made sense to them.

他们笑。不是出于解雇，而是紧张。因为没有人以对他们有意义的方式解释它。

They don’t talk about capital flows or on-chain data. But they understand value. Liquidity. Timing. Discipline. Risk. They’ve lived it, in the most human way possible.

他们不谈论资本流或链上数据。但是他们了解价值。流动性。定时。纪律。风险。他们以最人性的方式生活了。

The world is changing. They see that. They’re not fighting it. They’re just waiting for someone to open the door. It’s not that they can’t or don’t want to learn.

世界在变化。他们看到了。他们不是战斗。他们只是在等待有人打开门。这并不是说他们不能或不想学习。

It’s that no one ever made it feel like it was meant for them.

这是没有人让它觉得这是对他们的意图。

So, who’s got a seat at the crypto table?

那么，谁在加密餐桌上坐下？

The average crypto holder is easy to spot – Not by face, but by data. A recent report by CryptoQuant revealed that 61% of investors are between the ages of 25 and 44. In fact, over a third fall into the 25-34 age bracket. Most are men. Most have degrees.

平均加密持有人很容易被发现 - 不是从面对面而是通过数据。 CryptoQuant最近的一份报告显示，有61％的投资者年龄在25至44岁之间。实际上，在25-34岁年龄段的三分之一以上。大多数是男人。大多数学位。

Source: Cryptoquant

资料来源：加密

Almost half of them hold a Bachelor’s. Another 28% have gone further. In short – Crypto is young, male, educated, and digitally fluent.

他们中几乎拥有一个单身汉。另有28％的人走得更远。简而言之 - 加密是年轻，男性，受过教育和数字流利的。

Not a flaw. Just a fact.

不是缺陷。只是事实。

However, it also means this financial frontier is being shaped by a very specific kind of user. Everyone else? Still catching up. Or worse – Left behind. And often, the ones furthest from this future aren’t those without money or interest. They’re just older.

但是，这也意味着该财务领域是由非常特定的用户塑造的。其他人？仍在赶上。或更糟 - 留下来。通常，从这个未来最远的人并不是那些没有钱或利益的人。他们只是长大。

In a system built on interfaces and immediacy, age can feel like the most invisible barrier of all.

在建立在界面和即时性的系统中，年龄可能会感觉像是最无形的障碍。

And yes, older adults should be cautious with high-risk assets. But caution isn’t the same as exclusion

是的，老年人应该对高风险资产谨慎。但是谨慎与排除不一样