Facebook发布加密货币Libra的白皮书

最后编辑于 2019年06月19日 科技

6月18日,一个发财的好日子,Facebook发布了加密货币Libra的白皮书,马克扎克伯格也发表了长文来介绍Libra:

今天,Facebook正与全球27个组织合作,启动非营利性天秤座协会,并创建一种名为天秤座的新货币。

天秤座的使命,是创建一个简单的全球金融基础设施,为全球数十亿人提供支持。它由区块链技术提供支持,计划在2020年推出。你可以在这里阅读更多关于该协会的信息:https://libra.org

使用移动货币会对人们的生活有重要的积极影响,因为你不必总是携带现金,因为这可能不安全,或者支付额外的转账费用。这对于无法使用传统银行或金融服务的人尤为重要。目前,大约有10亿人没有银行账户,但有一个手机。

我们希望让每个人都能轻松发送和接收资金,就像使用我们的应用即时分享信息和照片。为了实现这一目标,Facebook还推出了一个叫做Calibra的独立子公司,该子公司将构建用于发送、支付和存储Libra的服务,明年会推出独立的数字钱包,但现在需要从WhatsApp和Messenger中的数字钱包开始。

还是看小扎同学的原文吧:

Today, Facebook is coming together with 27 organizations around the world to start the non-profit Libra Association and create a new currency called Libra.

Libra's mission is to create a simple global financial infrastructure that empowers billions of people around the world. It's powered by blockchain technology and the plan is to launch it in 2020. You can read more about the association here: https://libra.org

Being able to use mobile money can have an important positive impact on people's lives because you don't have to always carry cash, which can be insecure, or pay extra fees for transfers. This is especially important for people who don't have access to traditional banks or financial services. Right now, there are around a billion people who don't have a bank account but do have a mobile phone.

We aspire to make it easy for everyone to send and receive money just like you use our apps to instantly share messages and photos. To enable this, Facebook is also launching an independent subsidiary called Calibra that will build services that let you send, spend and save Libra -- starting with a digital wallet that will be available in WhatsApp and Messenger and as a standalone app next year.

Calibra will be regulated like other payment service providers. Any information you share with Calibra will be kept separate from information you share on Facebook. From the beginning, Calibra will let you send Libra to almost anyone with a smartphone at low to no cost. Over time, we hope to offer more services for people and businesses -- like paying bills with the push of a button, buying coffee with the scan of a code, or riding local public transit without needing to carry cash or a metro pass.

In addition to our efforts, many other companies will build their own services using Libra -- from payment companies like Mastercard, PayPal, PayU, Stripe and Visa, to popular services like Booking, eBay, Farfetch, Lyft, Spotify and Uber, to non-profits doing important work around financial inclusion like Kiva, Mercy Corps and Women's World Banking, to companies in the crypto space like Anchorage, Coinbase, Xapo, and Bison Trails. A number of leading Venture firms are also joining to help drive innovation on the Libra network. We're hoping to have over 100 cofounding members of the Libra Association by the time the network launches next year.

All of this is built on blockchain technology. It's decentralized -- meaning it's run by many different organizations instead of just one, making the system fairer overall. It's available to anyone with an internet connection and has low fees and costs. And it's secured by cryptography which helps keep your money safe.

This is an important part of our vision for a privacy-focused social platform -- where you can interact in all the ways you'd want privately, from messaging to secure payments.

Privacy and safety will be built into every step. For example, Calibra will have a dedicated team of experts in risk management focused on preventing people from using Calibra for fraudulent purposes. We'll provide fraud protection so if you lose your Libra coins, we'll offer refunds. We also believe it's important for people to have choices so you'll have the options to use many other third-party wallets on the Libra network.

There's still a lot more to learn and do before Libra will be ready to officially launch. We know it's a major undertaking and responsibility -- and we're committed to getting this right. We've been working with policymakers and experts in areas like financial inclusion, economics, security, privacy and blockchain, and we'll continue listening to their feedback as we figure out the best way to move forward. We're thankful for their partnership, and for all the businesses, organizations, and academic institutions that are part of the Libra Association.

This is the beginning of an exciting journey and I'm looking forward to sharing more soon.


Image credit: facebook.com

Libra网站:
https://libra.org

Libra英文版白皮书:
https://libra.org/en-US/white-paper/

Libra中文版白皮书:
https://libra.org/zh-CN/white-paper/

Libra的开源代码:
https://github.com/libra/libra

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