Money has already evolved from coins, to notes, entries in balance sheets and bits on computers. The institutions that provide, operate, guarantee and regulate money have evolved with it. So how should it evolve in the digital era? The invention of cryptocurrencies has forced everybody involved and above all the central banks — the agents of the state in managing the public good of money — to confront this question. If crypto is not the answer, what is?
貨幣已經(jīng)從硬幣演變?yōu)榧垘拧①Y產(chǎn)負(fù)債表上的數(shù)字，以及計(jì)算機(jī)上的比特。提供、運(yùn)營(yíng)、擔(dān)保和監(jiān)管的機(jī)構(gòu)也隨之發(fā)展。那么它在數(shù)字時(shí)代應(yīng)該如何發(fā)展？加密貨幣的發(fā)明迫使所有相關(guān)方面——尤其是央行（管理貨幣這種公共物品的國(guó)家代理人）——面對(duì)這個(gè)問(wèn)題。如果加密貨幣不是答案，那么答案應(yīng)該是什么？
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