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?
貨幣已經從硬幣演變為紙幣、資產負債表上的數字，以及計算機上的比特。提供、運營、擔保和監管的機構也隨之發展。那么它在數字時代應該如何發展？加密貨幣的發明迫使所有相關方面——尤其是央行（管理貨幣這種公共物品的國家代理人）——面對這個問題。如果加密貨幣不是答案，那么答案應該是什么？
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