之前，加密货币借记卡的发展似乎一直没能达到人们的预期。尽管近年来业内人士付诸努力，但最后均以失败告终。如今，随着今年夏天加密货币价格的飙升，加密货币借记卡重新迎来复苏的迹象。
Despite the efforts of practitioners in recent years, they ended up failing. Now, as the price of encrypted money soared this summer, the encrypt currency debit card rekindled.
什么是加密货币借记卡?
What's an encrypted currency debit card?
除了可以用来存款和兑换加密货币之外，加密货币借记卡其实和你钱包里每天随身携带的银行卡并无二致。很大程度上许多商家并没有准备好接受用加密货币支付日常物品和服务消费，并且许多加密货币仍然面临着交易时间过长的问题，这种借记卡代表了加密货币目前正在经历的过渡阶段。除此以外，许多交易所只提供了加密货币之间的兑换，这也为那些希望将加密货币转换为法币的投资者提出了难题。
In addition to being used to deposit and convert encrypted money, an encrypted currency debit card is no different from the bank card that you carry every day in your wallet. To a large extent, many businesses are not prepared to accept the use of encrypted currency to pay for daily goods and services, and many of the encrypted currency still faces excessive transaction times, which represent the transition period in which the encrypt currency is currently going through.
而加密货币借记卡的出现，为投资者和商人提供了一个愉快的中间地带。使用这种加密货币借记卡进行支付不要求商户拥有任何接受加密货币支付的技术，因为他们使用的是目前世界各地企业所广泛使用的Visa基础设施。加密货币借记卡可以无缝转换货币进行支付，用户也可以将其转移到一个专用的授权账户进行支付。
The introduction of encrypted currency debit cards provides a happy middle ground for investors and traders. The use of such encrypted currency debit cards to make payments does not require traders to have any technology to accept encrypted currency payments because they use the Visa infrastructure that is now widely used by businesses around the world.
新莱特币基金会合作推出新卡
New Leit currency Foundation co-sponsored the launch of the new card
致力于推进和推广区块链技术的非营利组织莱特币基金会宣布，它已与Bibox交易所以及区块链公司Ternio合作，推出了自己的加密货币借记卡。
The Leitco Foundation, a non-profit organization working to promote and promote block chain technology, announced that it had launched its own encrypted currency debit card in cooperation with the Bibox Exchange and Ternio, a block chain company.
这款名为"区块卡"的新卡将由两家公司以合资的形式发行，目前只面向美国客户。根据莱特币基金会发布的一篇文章，区块卡可以使客户能够在全球范围内线上线下使用加密货币。
The new card, called Block Card, will be issued by two companies in a joint venture and is currently available only to United States customers. According to an article published by the Lettco Foundation, blockcards allow customers to use encrypted currency on-line on a global scale.
Bibox 交易所将成为用户资金保管人，并利用价值超过2亿美元的加密货币交易量，Ternio的目标是提供一个专用的区块链平台。
The Bibox Exchange will be the custodian of user funds and take advantage of encrypted currency transactions valued at over $200 million, and Ternio aims to provide a dedicated block chain platform.
莱特币创始人兼莱特币基金会常务董事查理·李说，推出这款信用卡的目的是让更多的人使用莱特币。他说道：
Charlie Lee, founder of Lettcoin and Managing Director of the Lettcoin Foundation, said that the credit card had been introduced to allow more people to use it. He said:
"此次合作对我们来说是一个令人兴奋的过程，因为它进一步推进了莱特币基金会的使命，即为日常生活中使用莱特币创建更多用例。利用Ternio的区块卡平台和Bibox的交换引擎，莱特币持有者可以在世界各地的商户中使用。"
"This collaboration is an exciting process for us, as it furthers the mission of the Lettco Foundation to create more examples of the use of Lettco in everyday life. With Ternio's block card platform and Bibox's engine of exchange, Lettco's holders can use it in businesses around the world."
Ternio创始人兼首席执行官丹尼尔古尔德曼在电子邮件中告诉Cointelegraph：
In an e-mail, Daniel Goldman, founder and CEO of Ternio, told Cointelegraph:
"越来越多的人认识到加密货币相对于传统的陈旧系统具有巨大的优势。当你看到摩根大通、Facebook、三菱银行、三星和其他跨国公司都在使用某种加密货币时，你就应该明白。很多人已经逐渐看到了这种货币的价值。加密货币将彻底改变传统的支付方式。"
"Most and more people recognize that encrypted money has great advantages over traditional old systems. When you see Morgan Chase, Facebook, Mitsubishi Bank, Samsung and other multinational companies using some kind of encrypted currency, you should understand. Many people have seen the value of that currency gradually. Encrypted money will completely change the traditional way of paying."
自从比特币在2019年夏天复苏以来，许多顶级加密货币都搭上了牛市的顺风车。因此，新推出几个新的加密货币借记卡其实并不突然。尽管市场日益拥挤，古尔德曼认为区块卡有能力超越竞争对手。
Since Bitcoin recovered in the summer of 2019, many of the top encoded currencies have been on the cattle market. Thus, the introduction of several new encrypt currency debit cards is not sudden.
同时，他表示，大量的信用卡发行表明这个领域的情况正在好转。
At the same time, he indicated that a large number of credit card issuances indicated that the situation in that area was improving.
"有很多很棒的信用卡公司不断涌现，我为整个行业感到兴奋。我们不会也不应该生活在一个只有一种选择的世界里，更多的选择意味着消费者的选择和创新。尽管这个行业还没有看到加密技术真正出现在支付领域，但它即将出现。"
"There are a lot of great credit card companies emerging, and I'm excited about the whole industry. We don't and should not live in a world with only one choice. More choice means consumer choice and innovation.
Coinbase卡在六个欧洲国家推出
Coinbase card launched in six European countries
6月11日，Coinbase在六个欧洲国家推出了Visa借记卡。西班牙、法国、意大利、爱尔兰、德国和荷兰的客户将能够把信用卡同步到他们的Coinbase账户，在任何接受Visa卡的商户中消费他们的加密货币。Coinbase的最新产品有两种格式:一种是iOS或Android的移动应用程序，另一种是可用于从ATM机取款的物理卡。
On June 11, Coinbase launched the Visa debit card in six European countries. Clients in Spain, France, Italy, Ireland, Germany, and the Netherlands will be able to synchronize credit cards to their Coinbase accounts and consume their encrypted currency in any business that receives Visa cards.
在Coinbase Card于今年4月宣布推出欧洲版之前，该服务曾仅限于英国客户使用。
Prior to Coinbase Card's announcement of the European version in April this year, the service had been restricted to British clients.
通过客户的Coinbase账户余额，Coinbase卡可以在全球范围内以多种加密货币进行交易，如比特币、以太坊和莱特币。根据新闻稿，用户账户中存储的加密货币在购买时可以立即转换为法定货币。这张卡还将支持一个应用程序，该应用程序允许用户在消费时任意选择自己的加密货币钱包，该应用程序还可以提供收据和交易摘要。
Through the customer's Coinbase account balance, Coinbase cards can be traded globally in a variety of encrypted currencies, such as Bitcoin, Taipan and Leiteco. According to press releases, encrypted currencies stored in user accounts can be converted into legal currency immediately upon purchase. This card will also support an application that allows users to choose their encrypted currency wallets at their own discretion during consumption, and it can also provide receipts and transaction summaries.
阻碍加密货币借记卡发展的因素
impeding the development of encrypted currency debit cards
主要是由价格波动和机构投资主导，加密货币近年来的价格一直不稳定，这就导致了很多人对它充满了怀疑，这大大阻碍了加密货币的传播。绝大多数加密货币拥有者购买加密货币只是作为一项投资，只有极少数人将其作为收入(除矿商外)，这些因素均导致了加密货币支出缺乏动力。
Primarily dominated by price volatility and institutional investment, the price volatility of encrypted currencies in recent years has led to considerable scepticism among many, which has greatly hampered the spread of encrypted currencies. The vast majority of encrypted money owners buy them only as an investment, with very few using them as income (with the exception of miners), and these factors have led to a lack of momentum in the spending of encrypted money.
尽管2018年的熊市持续了很长时间，但从最近大量涌现的加密货币服务提供商可以看出，加密货币行业的企业家都瞅准了这个潜在的肥沃土壤。就目前而言，对于加密货币借记卡的推广和加密货币的广泛采用，似乎存在着某种共同的乐观情绪和社区精神。尽管有越来越多的公司加入竞争，但加密货币借记卡供应商们仍有许多吸引客户的选择，比如有竞争力的收费，日益多样化的货币投资组合和用户体验，这些对潜在客户来说都是唾手可得的收获。
For the time being, there appears to be a common sense of optimism and community spirit about the promotion and widespread use of encrypted money debit cards. Despite the growing number of companies competing, the suppliers of encrypted money debit cards still have many options to attract customers, such as competitive fees, increasingly diversified monetary portfolios and user experiences, which are readily available to potential clients.
然而，随着2019年所谓的牛市进入了新一轮的剧烈波动，以及Facebook的Libra项目面临越来越艰难的监管挑战，加密行业的机构、客户和加密货币借记卡供应商们将如何反应，还有待观察。返回搜狐，查看更多
However, as the so-called cattle market entered a new round of sharp fluctuations in 2019, and as Facebook's Libra project faced increasingly difficult regulatory challenges, it remains to be seen how agencies, customers and providers of encrypted currency debit cards in the encryption industry will react. returned to search for more
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