▲OKCoin创始人及CEO徐明星近日接受了一条财经专访。
the founder of OKCoin and CEO Xu Star received a financial interview recently.
【“一条财经”（微信ID：ytcj123）提要】
?无论是做比特币还是仿比特币，都不会一夜暴富的。有些以传销的形式做的“币”是非法的，做这类币可能暴富，无本买卖嘛，但这是违法的。
{\cHFFFFFF}{\cH00FFFF} Whether it's bitcoin or bitcoin, it doesn't get rich overnight. Some of the “currencys” made in the form of distributions are illegal, and they may be rich and have no business, but it's illegal.
?区块链有能力做全球的支付宝，我们试图建立一个“全球支付宝”，但是只做小额的。我们更像一个支付宝和滴滴的结合。
♪ Block chains are capable of making global payment treasures, and we're trying to build a “global payment treasure”, but only small ones. We're more like a combination of payment treasures and drops.
?区块链在民间金融、非政府信用领域是非常需要应用的，能让P2P平台、众筹平台建立公信力，但关键看行业对区块链技术的接受程度。
♪ Block chains need to be applied in the area of private finance and non-governmental credit to build the credibility of P2P platforms and crowd-sourcing platforms, but it depends on industry's acceptance of block chain technologies.
【正文】
OKCoin创始人及CEO徐明星是国内最早接触比特币和区块链技术的人之一，他较早创建比特币交易平台，利用区块链技术创办了全球小额支付系统，但是对目前红得发紫的区块链技术持冷静看法，认为区块链技术就是计算机技术的一种应用，所谓区块链出来以后，传统的云计算要死掉的观点是片面的。他表示，区块链的核心是用来建立信用的，在存在信用问题的地方是好应用，信用不存在问题的就不是好应用。区块链在民间金融、非政府信用领域是非常需要应用的。能让P2P平台、众筹平台建立公信力，关键看行业对区块链技术的接受程度。
The founder of OKCoin and CEO Xu, one of the first people in the country to come into contact with Bitcoin and block chain technology, had created the Bitcoin trading platform earlier, using block chain technology to create a global small payment system, but had a cool view of the current red and purple block chain technology, considering that block chain technology was an application of computer technology, and that the idea of traditional cloud computing was one-sided when the block chain came out. He said that the core of the block chain was to build credit, that it was to be applied where there were credit problems, and that credit was not to be applied.
无论做比特币还是仿比特币都不会一夜暴富
{\bord0\shad0\alphaH3D}Bitcoin or like bitcoin won't get rich overnight.
一条财经:我见到一些区块链创业企业是做技术应用起步的，而你们是做比特币交易平台起步的，是中国比较早买卖比特币的平台，当时切入这个领域，是因为做比特币回报立竿见影吗？
徐明星：比特币是要做一种“数字黄金”，这种梦想被很多人接受了。后来出现好多仿比特币的，我们叫山寨币(altcoin)，全世界有几百个。仿比特币也无可厚非，各有各的作用。你讲做币回报立竿见影，无论是做比特币还是仿比特币，都不会一夜暴富的。 "Strong" Xu Star: /strang" Bitcoin is about making a "digital gold", a dream that has been accepted by many. And then there are a lot of bitcoin, we're called altcoin, and there are hundreds of them all over the world. There is nothing wrong with bitcoins, and each has a different effect. You say that currency returns are quick to see, whether they be bitcoin or bitcoin, and they don't get rich overnight. 有些以传销的形式做的“币”是非法的，庞氏骗局有标准定义，有人鼓吹这个东西快点涨，后面的人进来补贴前面的人，做这类币可能暴富，无本买卖嘛，但做这个传销币是违法的，中国有好多做传销币的已经被抓了。 Some of the “currencys” made in the form of distributions are illegal, the Ponzi scheme has a standard definition, and there are advocates for this thing to go up fast, and those behind it come in to subsidize the fronters, and they may be rich and unprofitable, but it is illegal to do this, and many of China's money dealers have already been caught. OKCoin是数字资产交易平台，通过技术搭建平台让数字资产流通起来，我们不制造比特币，只作为平台提供服务，收取一定比例的服务费。在OKLink上，我们提供一种和美元1:1对应的代币“OK Dollars”，其实质跟一些商业系统内的代币是非常相似的，是为了便于流通和计算。 OKCoin is a digital asset trading platform that allows digital assets to move through a technology-based platform, and we do not manufacture bitcoin, serve as a platform and charge a certain percentage of the service fee. On OKLink, we provide a coin “OK Dollars” equivalent to 1:1, which is very similar in substance to those in some commercial systems, and is designed to facilitate circulation and calculation. 一条财经:你刚才说OK Dollars跟美元1:1对应，这算“商品”还是算“币”？监管层允许吗？ : Did you say that OK Dollars corresponds to $1:1, which is a “good” or a “currency”? Is it allowed at the regulatory level? 徐明星：这是一个代币，在全世界都是合法的，就像QQ币。我在某个购物网上充100块钱，花了98，还剩两块，没有人会说这是违法的，但在某些国家需要拿一个牌照。区块链带来一种可能，节点网络内多个终端的数据可以透明化，并被准确记账，也就是说“余额”可以互通。 : is a token that is legal all over the world, like Queen's. I spent a hundred dollars on a shopping network, spent 98 dollars, left two pieces, and no one would say it was illegal, but in some countries it was necessary to take a license plate. The block chain brings with it the possibility that multiple end-point data in the node network can be transparent and accurately recorded, which means that the “balances” can be interoperable. 一条财经:你们公司在区块链技术的应用方面有哪些呢？ a finance: What are your companies doing with the application of block chain technology? 徐明星：现在OKCoin比特币平台也在推版权，做成像代币一样。比如你有一本书，把版权签给我，版权就会跟我们的版权币或者叫OK币对应，以合同和法律形式保证，让版权的买卖变成很容易。纳斯达克的Linq，也是把股权对应成区块链上的一个代币，让股权的买卖变成很容易。 一条财经:区块链确认IP，是一个设想，还是有具体的例子？请问你们现在有客户了吗？ a financial term: does the block chain identify IP as an idea, or is there a specific example? Do you have a client now? 徐明星：我们还在观察，版权交易的市场本身还不存在。用区块链确认IP这是个方向，说实话，走多快，怎么走还不清楚。中国在这个领域还没法走得太快，涉及一些监管问题。 We're still observing that the market for copyright deals does not exist itself. Confirming IPs with block chains is the way it is, to be honest, how fast it is. China has not been able to move too fast in this area, with a number of regulatory issues involved. 我们试图建立一个小额的“全球支付宝” We're trying to build a small “global payment treasure” . 一条财经:除了探索版权应用，还有那些应用？ : What other applications besides exploring copyright applications? 徐明星：我们现在也用区块链做国际小额汇款，在香港有团队。 一条财经：跟Circle(世可)同类型的？ 徐明星：还是不太一样，小额汇款分好几类，出国留学、旅游可以把钱汇出去或直接信用卡，还有外劳、菲佣，中国很多工人在国外把钱汇回家，2015年外劳汇款就是6000亿）元，但单笔金额都很小，成本很高，为什么那么贵呢，因为国际银行体系很复杂，是一个多层的树状网络，每次资金划转的操作成本高昂，最上面是世界上最大的几家银行，美林、汇丰等，互相开账户，互相授信，定期结算。小银行不愿意接小额汇款，只能通过美林、汇丰接，通过UBS再接过来，小银行又分好多级。所以就出来一家公司叫SWIFT，是做信息流的，会告诉你先到哪家银行，再到哪家银行，但手续费昂贵。复杂的银行体系对大额汇款没什么影响，10万美元收30不贵，如果300美元收30就是10%。外劳每个月赚几千块钱，家里孩子等着用钱，对于他们来说费率很高，这个市场也有西联汇款。 Small money transfers are still not the same: there are several types of small money transfers, travel abroad, money transfers or direct credit cards, and foreign workers, domestic workers, many Chinese workers abroad, and remittances from foreign workers, amounting to $600 billion in 2015, but they are small and expensive. Because the international banking system is complex, it is a multi-storey tree network with high operating costs, the largest banks in the world, the United States of America, the United States of America, the United Kingdom of Great Britain and Northern Ireland, the United Kingdom of Great Britain and Northern Ireland, the United States of America, the United States of America, the United States of America, the United States of America, the United States of America, the United Kingdom of Great Britain and Northern Ireland, the United States of America, the United States of America, the United States of America, the United States of America, the United States of America, the United Kingdom of Great Britain and Northern Ireland, the United States of America, the United States of America, the United States of America, the United States of America, the United States of America, the United States of America, the United States of America, and the United States of America. 一条财经：你们可以跟西联合作呀。 徐明星：我们要把小额跨境汇款的用户体验做的像发红包一样简单，西联做不到。在中国国内，手续费很便宜。支付宝转支付宝，零手续费。为什么这么便宜呀，因为可以对冲，没有真正的流动，只是最后清算时才有真实的流动。我们认为区块链有能力做全球的支付宝，区块链是透明的，无法做假账，无法挪用资金。所以我们试图建立一个“全球支付宝”，但是只做小额的。未来支付宝也有可能做，这就是竞争，但我们更像一个支付宝和滴滴的结合。OKLink平台上面是各个国家几十个小金融公司、小银行，我们通过区块链技术让这些小的金融机构享受低成本的小额汇款，目前在做菲律宾、韩国、东南亚之间的，遵守各国法律法规。目前没有做中国市场，因为我们遵守国内的外汇管制。我们在积极的准备拿牌照。 We believe that the chain has the capacity to make global payments, that the chain is transparent, that the money cannot be diverted. So we try to build a “global payment bond”, but only a small one. Future payments may be competitive, but we are more like a combination of payment treasures and droplets. The OKLink platform is a combination of dozens of small financial companies, small banks, and we give these small financial institutions access to low-cost small remittances through sector-chain technology, and we are now in China’s market, as we are actively preparing to take a license. 一条财经：国外对跨境支付的监管是怎样的？ : What is foreign regulation of cross-border payments? 徐明星：国外监管跟中国不一样，内地汇款只有银行能干。香港那么小的地方有三千家MSB（money service business），都是合法的，我们现在有加拿大和中国香港的牌照，正在筹备在英国拿牌照。 There are 3,000 MSBs in Hong Kong that are legal, and we now have plates in Canada and Hong Kong, China, and are preparing to take them in the United Kingdom. 一条财经：能透露oklink的交易量吗？ a finance: can you disclose the transaction volume of klink? 徐明星：最高的时候一天有几百万美元。 : has millions of dollars a day at its highest. 一条财经：手续费收多少？ A book: How much do you charge? 徐明星：现在是免费的，做到一定规模会收很少的手续费。我们跟商家分成，拿非常少的服务费。 : Now it's free, and on a certain scale, we charge a small fee. We split it with the merchants, and we pay a very small fee for our services. 一条财经：跟你们同类的多吗？ "Strong" a book: Is there more like you? 徐明星：很多，国际上Ripple有点类似，主业是钱的全球流动。 现在区块链很少应用，大多数在讲概念 now the block chain is rarely applied, and most are talking about concepts 一条财经：你现在有两个区块链产品线。 a financial term: you now have two block chain product lines. 徐明星：一个是OKCoin，一个是OKLink，两个产品底层用的都是区块链技术。 : one is OKCoin, one is OKLink, and the bottom of both products is block chain technology. 一条财经：有一种说法，区块链出来以后，传统的云计算就要死掉？ 徐明星：区块链和云计算不是同一个概念，传统的云计算是提供计算能力的，本来都要自己买电脑和服务器，现在我买好了放这里，然后再建立各种服务，计算型服务、存储型服务、缓存型服务、流媒体型服务，建立这些服务给你用，跟区块链没有关系啊，区块链是记账式的，不是记数据的，不是做存储的，完全两个事情，没有取代关系的。 block chains and cloud computing are not the same concept; traditional cloud computing is a computing capability that would have been required to buy computers and servers on its own, and I now buy them here and then create services, computing services, storage services, cache services, streaming media services, which are not for you to use, and which have nothing to do with block chains, which are book-keeping, not data-keeping, not storage, and which have nothing to do with them. 一条财经：还有一种说法，国内做区块链底层技术成本会很高。 徐明星：区块链就是一个计算机技术，我做了10年工程师，认为区块链技术就是计算机技术的一种应用。类似区块链这种思想很多，有分布式数据库，分布式检索。单从技术难度上讲，分布式检索要全网检索海量数据，比区块链技术难一百倍一千倍。现在区块链很少应用，大多数在讲概念。 核心问题是现在很多所谓区块链应用场景，并没有比中心化系统带来更多好处，甚至弊大于利。目前在区块链票据交易，债券交易，中心化系统会比非中心化系统更好。 At the heart of the problem is that many so-called block chain applications now do not bring more benefits or even more harm than a centralized system. At present, block chain instrument trading, bond trading, centralization would be better than a non-centralized system. 区块链和民间金融行业结合可建立公信力 一条财经：那么你认为在什么地方、什么领域优先应用呢？ a finance: where do you think it will be used first and in what areas? 徐明星：我认为区块链的核心是用来建立信用的，在存在信用问题的地方是好应用。 : I think that the core of the block chain is to build credit and is well applied where there are credit problems. 什么样的金融领域最需要建立公信力？比如P2P平台，人们会担心他是不是会跑路，是不是会做假账。在P2P行业，区块链是建立信用标准最好的技术，一眼能看出来是否符合国家相关规定。区块链在民间金融、非政府信用领域是可以应用的。能让P2P平台、众筹平台建立公信力，但现在这个阶段，需要探索的是技术和商业的结合方式。 In the P2P industry, the block chain is the best technology for establishing credit standards, and it can be seen to be consistent with national regulations. The block chain can be applied in the area of private finance and non-governmental credit. The P2P platform, the public fund-raising platform, can be credible, but at this stage it is a combination of technology and commerce that needs to be explored. 我们总结符合以下三个特点的领域使用区块链技术最有可能成功。 We summarize that the use of block chain technology is most likely to be successful in areas that meet the following three characteristics. 一，不存在行之有效的中心化系统，中心化解决方案。例如在全球范围内，没有一个中心化的权威组织和中心化的系统可以协调统一全球的中小金融机构、企业和金融参与者。 First, there is no effective centralization system and no centralized solution. For example, there is no centralized authoritative organization or centralized system that can harmonize small and medium-sized financial institutions, enterprises and financial actors around the world. 二，各个中心节点的位置大致上是对等的。 Secondly, the locations of the centres are generally reciprocal. 三，各个节点之间无信任或者弱信任关系。 Thirdly, there is no or weak relationship of trust between the various nodes. 2016年8月21日，中国区块链产业大会在北京·国家会议中心召开 On 21 August 2016, the China Block Chain Industry Congress was convened at the Beijing National Convention Centre at .
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