傳統貨幣體系既得利益者批判加密貨幣，合情合理

Facebook：Libra或終將成為企業貨幣

金融服務行業已被改變 區塊鏈“最強應用”尚未出現

政府對加密貨幣實行嚴格監管并不現實

金融界：對于一些精英人士關于加密貨幣的評論，你有什么看法？比如，特朗普認為加密貨幣不靠譜，“是基于空氣發行的”，還有巴菲特一直以來也認為比特幣是一種賭博，毫無投資價值。 

Tanya: 這些看法都是預料之中的。對于那些和法定貨幣體系打交道幾十年，并且是這個體系的既得利益者的人來說，他們很難看好加密貨幣。在價值存儲、價值交換和價值產生的方式上，加密貨幣開啟了激進的轉化。類似的評價或者疑問在以后勢必會出現，他們只是更早提出了這些問題的人。

金融界：L美聯儲主席在叫停Facebook的Libra穩定幣計劃，為什么會出現這樣的情況？你對Libra有什么看法？ 

Tanya：就像Andreas Antonopoulos說的，我們已經進入法定貨幣、企業貨幣（Libra）、自主貨幣（比特幣）三種貨幣體系“混戰”的時代，這會非常有趣。

如果Libra可以順利發行，它最主要的價值是讓加密貨幣真正走入大眾視野。然而，由于Libra是基于Facebook平臺發行的，這會限制它成為真正的去中心貨幣。對于數據安全和隱私的保護會合法化，而Libra的可用性因為Facebook而大打折扣。Libra的結局或許會和那些中心化貨幣，即法定貨幣一樣，只是中心不是政府而是企業。

美聯儲主席喊停Libra是為了確保Facebook真的能解決他們發現的一些問題。目前這些問題包括洗錢、資助恐怖主義活動、數據安全、用戶隱私、金融穩定性。這些都是監管機構對加密貨幣的質疑和擔憂，而且并非杞人憂天。然而，謹慎起見，我們也要對遭遇半去中心化的貨幣體系時，中央政府的固有利益保持關注。

金融界：你認為區塊鏈技術對金融行業的影響是什么？有可能重塑金融服務行業嗎？什么時候才會出現大規模推廣使用的區塊鏈金融工具？ 

Tanya：區塊鏈有很大潛力重塑金融服務行業，比如回歸硬通貨、量化寬松政策的終結、銀行業無銀行賬戶等等。轉變已經開始了。

金融界：加密貨幣是區塊鏈技術最早出現的應用。你認為加密貨幣能完美體現出區塊鏈的特征嗎？還有沒有其他方面的應用？ 

Tanya：當然，加密貨幣在很多方面都展現出了區塊鏈的特征。管理、投票、身份驗證是目前正在開拓的其他應用形式。與這些應用相比，加密貨幣每個節點需要傳遞或存儲的數據量都小很多。最有意思的區塊鏈應用還沒出現。

金融界：對于加密貨幣的有效管理一直是各國政府都面臨的問題，在美國部分地區明令禁止了加密貨幣的交易。與法定貨幣相比，加密貨幣的風險和優勢是什么？嚴格的政府監管真的有必要嗎？ 

Tanya： 加密貨幣交易最大的優勢是更低的交易成本，不用依賴第三方機構，轉賬不可逆，即時處理，身份盜竊的可能性低、使用限制相對較少。它的風險主要是價值不穩定、加密公司不靠譜、大眾接受度低、易被盜，還有用戶體驗不好的錢包、存儲和交易系統。

從企業角度來看，Libra對標的不會是美元，還是把支付寶、微信當做競爭對手的。本質上，Libra是想提供便捷的支付方式，就是一種商業行為，想要實現流量變現，只是量級過大，所以出現了很多問題。

JRJ: What’s your take on some of the elite businessman or politicians having negative view about cryptocurrency? Including Trump’s saying that cryptocurrency is based on air, and Warren Buffett’s conclusion on Bitcoin.  

Tanya: Their perspectives are not unexpected. It is difficult to find anyone with heavily vested interests and multiple decades of experience with the fiat monetary system, to be bullish about cryptocurrencies. Cryptocurrencies are a radical shift in how value is stored, exchanged, and accounted for. That said, it is important to not blankly discount these perspectives as they identify specific areas where further dialogue is at times warranted.

JRJ: Fed chief calls for Facebook to halt Libra project for now, what’s your take on Libra, and why there is a halt? 

Tanya: As Andreas Antonopoulos has said, we are entering an era of government money (fiat) vs corporate money (Libra) vs the people's money (bitcoin). It is going to be interesting.

The main value of the Libra, if it succeeds, will be to bring cryptocurrencies into mainstream use, or at least, into the mainstream psyche. However, being centralized through Facebook's platform will limit the potential of a truly decentralized currency. Data security and privacy concerns will be legitimate, usability will be limited by Facebook controls, and it may end up being as centralized as fiat currencies - just controlled corporately.

The Fed chief has called for a halt to the libra in order for a number of issues, as far as the Fed sees it - are addressed. The issues sited so far include the potential for money laundering and terrorist financing, data protection, consumer privacy, and financial stability. These are the usual critiques directed at cryptocurrencies from regulatory bodies and they are not unfounded, however, it is prudent to also be mindful of the inherent interests of a central government when faced with a semi-decentralized system of money.

JRJ: We understand that cryptocurrency is one of the earliest applications of block chain technology. Do you think this application perfectly reflects the characteristics of block chain technology? What other scenario applications of block chain technology do you think include? 

Tanya: In a lot of ways crypto is perfect for blockchain because the amount of data required to be transferred and stored by each node is relatively small compared to other potential applications. Governance, voting, ID, are just some of the other potential use cases that are in development. The most exciting applications are likely not even thought of.

JRJ: How will blockchain technology affect the financial industry? Is it possible that blockchain will reshape our financial service industry？When can we expect a large-scale application of blockchain technology in the financial industry？ 

Tanya: Blockchain has massive potential for reshaping our financial service industry; a return to hard money, end to quantitative easing, banking the unbanked et cetera. The transition has already begun.

JRJ: Effective regulation of cryptocurrency trading is a common problem for governments around the world, with some parts of the United States recently even calling for a ban on cryptocurrencies. In your opinion， what are the advantages and risks of cryptocurrency transactions compared with traditional payment methods？Is strict government regulation necessary？  

Tanya: Regulation of cryptocurrency trading is a problem for governments because it is practically impossible enforce. Governments have mechanisms to regulate and enforce fiat on-ramps and off-ramps to exchanges but they have no mechanism to restrict the use of decentralized cryptocurrency to cryptocurrency exchanges. Strict government regulation will only incentivise innovative entrepreneurs to move to other jurisdictions.

The direct advantages of cryptocurrency transactions compared to traditional payment methods include: lower transaction costs, no requirement to trust a third party to solve the double spend problem, irreversible payments, instant processing, low chance of identity theft, and relatively unbounded access to its use.

Some risks of cryptocurrencies include transaction errors as a result of user-unfriendly wallet, storage and exchange systems, in-convertibility at times, under or un-insured crypto companies, instability of value, low-levels of acceptance and understanding, and vulnerability to theft.