传统货币体系既得利益者批判加密货币，合情合理

Facebook：Libra或终将成为企业货币

金融服务行业已被改变 区块链“最强应用”尚未出现

政府对加密货币实行严格监管并不现实

金融界：对于一些精英人士关于加密货币的评论，你有什么看法？比如，特朗普认为加密货币不靠谱，“是基于空气发行的”，还有巴菲特一直以来也认为比特币是一种赌博，毫无投资价值。 

Tanya: 这些看法都是预料之中的。对于那些和法定货币体系打交道几十年，并且是这个体系的既得利益者的人来说，他们很难看好加密货币。在价值存储、价值交换和价值产生的方式上，加密货币开启了激进的转化。类似的评价或者疑问在以后势必会出现，他们只是更早提出了这些问题的人。

金融界：L美联储主席在叫停Facebook的Libra稳定币计划，为什么会出现这样的情况？你对Libra有什么看法？ 

Tanya：就像Andreas Antonopoulos说的，我们已经进入法定货币、企业货币（Libra）、自主货币（比特币）三种货币体系“混战”的时代，这会非常有趣。

如果Libra可以顺利发行，它最主要的价值是让加密货币真正走入大众视野。然而，由于Libra是基于Facebook平台发行的，这会限制它成为真正的去中心货币。对于数据安全和隐私的保护会合法化，而Libra的可用性因为Facebook而大打折扣。Libra的结局或许会和那些中心化货币，即法定货币一样，只是中心不是政府而是企业。

美联储主席喊停Libra是为了确保Facebook真的能解决他们发现的一些问题。目前这些问题包括洗钱、资助恐怖主义活动、数据安全、用户隐私、金融稳定性。这些都是监管机构对加密货币的质疑和担忧，而且并非杞人忧天。然而，谨慎起见，我们也要对遭遇半去中心化的货币体系时，中央政府的固有利益保持关注。

金融界：你认为区块链技术对金融行业的影响是什么？有可能重塑金融服务行业吗？什么时候才会出现大规模推广使用的区块链金融工具？ 

Tanya：区块链有很大潜力重塑金融服务行业，比如回归硬通货、量化宽松政策的终结、银行业无银行账户等等。转变已经开始了。

金融界：加密货币是区块链技术最早出现的应用。你认为加密货币能完美体现出区块链的特征吗？还有没有其他方面的应用？ 

Tanya：当然，加密货币在很多方面都展现出了区块链的特征。管理、投票、身份验证是目前正在开拓的其他应用形式。与这些应用相比，加密货币每个节点需要传递或存储的数据量都小很多。最有意思的区块链应用还没出现。

金融界：对于加密货币的有效管理一直是各国政府都面临的问题，在美国部分地区明令禁止了加密货币的交易。与法定货币相比，加密货币的风险和优势是什么？严格的政府监管真的有必要吗？ 

Tanya： 加密货币交易最大的优势是更低的交易成本，不用依赖第三方机构，转账不可逆，即时处理，身份盗窃的可能性低、使用限制相对较少。它的风险主要是价值不稳定、加密公司不靠谱、大众接受度低、易被盗，还有用户体验不好的钱包、存储和交易系统。

从企业角度来看，Libra对标的不会是美元，还是把支付宝、微信当做竞争对手的。本质上，Libra是想提供便捷的支付方式，就是一种商业行为，想要实现流量变现，只是量级过大，所以出现了很多问题。

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.