探索加密货币中自我顾客的风险和回报，重点关注种子短语及其介绍的责任。是真的“成为您自己的银行”还是只是在改变负担？

Seed Phrase, Self Custody, and Liability: Are You Really Your Own Bank?

种子短语，自我监护和责任：您真的是自己的银行吗？

Self-custody has always been a core tenet of the crypto world, promising freedom from traditional financial institutions. But with that freedom comes responsibility, particularly when it comes to seed phrases. Are they the key to true ownership, or a liability waiting to happen?

自我顾客一直是加密世界的核心宗旨，有望摆脱传统金融机构的自由。但是，随着这种自由的责任，尤其是在种子短语方面。它们是真正所有权的关键，还是等待发生的责任？

The Illusion of Control: Seed Phrases and Self-Custody

控制的幻想：种子短语和自我顾客

For many, self-custody is about having the right to "be your own bank." It's a practical move to protect assets from exchange hacks and mismanagement, like keeping a safe full of cash at home. The industry standard for recovery, the seed phrase, can often lead to significant losses when mishandled. In the early days of Bitcoin, managing private keys was the only option. Seed phrases were introduced to simplify this, using a sequence of words to represent a private key, as outlined in Bitcoin Improvement Proposal-39 (BIP-39). While easier to manage than long strings of characters, the risk of loss through human error, theft, or disaster remains the same.

对于许多人来说，自我顾客是有权“成为自己的银行”。这是保护资产免受交换骇客和管理不善的实际举措，例如在家中保证充满现金。种子短语的行业恢复标准通常会导致不当行为时造成重大损失。在比特币的早期，管理私钥是唯一的选择。引入种子短语来简化这一点，使用一系列单词代表一个私钥，如比特币改进建议-39（BIP-39）所述。虽然比长长的字符更容易管理，但通过人为错误，盗窃或灾难的损失风险仍然相同。

The Stone Age Security of Seed Phrases

种子短语的石器时代安全性

The problem is that self-custody has become synonymous with seed phrases, but a seed phrase is more of a liability than a capability. Sure, it lets you regenerate your keys, but it also gives anyone who sees it complete access to your funds. People resort to archaic security measures like burying them or stamping them on heat-resistant alloys. Is this really the pinnacle of security for digital cash? Managing a seed phrase might be better than dealing with private key material, but it’s still not great for security, safety, or user experience.

问题在于，自我顾客已成为种子短语的代名词，但是种子短语更多的是责任而不是能力。当然，它可以使您重新生成钥匙，但它还使任何看到它完全访问您的资金的人。人们诉诸于古老的安全措施，例如埋葬它们或将其盖在耐热合金上。这真的是数字现金的安全巅峰吗？管理种子短语可能比处理私钥材料更好，但仍然不适合安全，安全或用户体验。

XO Pay: A Step Towards User-Friendly Self-Custody

XO Pay：迈向用户友好的自我客户的一步

Companies like Exodus are trying to make self-custody more accessible. Exodus has launched XO Pay, allowing users to buy and sell crypto directly within their mobile wallet, powered by Coinme’s Crypto-as-a-Service (CaaS) API platform. This allows customers to purchase BTC within the wallet without going through third-party exchanges while keeping full control of their assets. This simplifies the process of purchasing cryptocurrencies such as Bitcoin. By integrating the purchasing process directly into the mobile wallet, Exodus is removing barriers and simplifying the journey from fiat to crypto, and back. This is part of Exodus’ broader mission to make digital assets more secure, as the demand for Bitcoin is increasing.

像Exodus这样的公司正试图使自我顾客更容易访问。 Exodus已经推出了XO Pay，允许用户在其移动钱包中直接购买和出售加密货币，该钱包由Coinme的Crypto-As-As-Service（CAAS）API平台提供支持。这使客户可以在钱包内购买BTC，而无需进行第三方交流，同时全力控制其资产。这简化了购买加密货币（例如比特币）的过程。通过将采购过程直接集成到移动钱包中，Exodus正在消除障碍，并简化从菲亚特到加密货币的旅程。随着对比特币的需求正在增加，这是Exodus更加安全的更广泛使命的一部分。

The Future of Self-Custody

自我顾客的未来

Bitcoin is meant to be electronic cash, software meant to be used. Securing it shouldn't be a source of anxiety and difficulty. The future of money should be intuitive, inspire confidence, and not result in lost coins due to typos or lost slips of paper. Seed phrases are a clunky stopgap, not the end game for a digital currency. It's time to stop treating them as the defining characteristic of self-custody.

比特币本来是电子现金，旨在使用的软件。确保它不应该是焦虑和困难的根源。金钱的未来应该是直观的，激发了信心，并且不会因错别字或纸张丢失而导致硬币丢失。种子短语是一个笨拙的停车，而不是数字货币的最终游戏。现在是时候停止将它们视为自我顾客的定义特征了。

So, are you really your own bank with a seed phrase? Maybe not entirely. But as technology evolves and companies prioritize user-friendly solutions, the promise of true self-custody might just be within reach. Until then, keep those seed phrases safe… or maybe explore some better options!

那么，您真的是用种子短语的银行吗？也许不是完全。但是，随着技术的发展和公司优先考虑用户友好的解决方案，真正的自我顾客的承诺可能只是可以实现的。在此之前，请确保这些种子短语安全……或者可能探索一些更好的选择！