Comparing SWIFT, Paypal and Bitcoin – and why this matters!

参加Swift的SIBOS.conference and watching sessions on digital currencies is rather like letting the wolf in the hen house. You see, SWIFT is the utility (some would say monopoly) which moves money for banks around the world using a closed standard. Watching the potential ultimate disintermediation was rather cool of them.

ThatBitcoinhas captured the imagination of speculators is an understatement. But according toInformilo.，截至2014年6月，科技杂志，现在有48个风险投资支持比特币初创企业。

我很高兴参加波士顿的伟大的抨击圆圈那a new company that provides payment acceptance tools for merchants, and onramp services for consumers like you and me to buy and sell Bitcoin. I met plenty of cool geeks and engineers at the party, and learned about block chain, mining, and why this is all important for them.

你看，所有这一切的有趣角度都是通过块链，通过块链的比特币获取银行的支付基础设施，并将其转向其头部。为什么？因为送钱的成本几乎是零（有挖掘成本，而且越来越昂贵，但相对于送钱的成本仍然非常小）。

When you look at what others would consider an innovator in the money movement space,Paypal，他们有三个不同的优势，为它们提供价值：

1. 他们提供不使用信用卡进行在线交易的安全性
2. 任何人都可以接受信用卡 - 您不必成为银行商人接受
3. 对人交易的人是免费的

But Paypal still uses the Banks legacy payment system to send money (the ACH clearing network).

Bitcoin effectively lowers the cost of money transfer to zero + it does so without having to go through bank infrastructure – what it lacks though is remittance information – it’s just anonymous bits and bytes saying move money from this computer to that computer. The ultimate owner of any single unit of Bitcoin can be tracked through a central system, and any transaction is automatically recorded.

I don’t know where this Bitcoin thing will go, but I do like it in the sense its open sourced, not controlled by any “utility” and takes the traditional trust brokers of banks, and others and turns them upside down.

比特币工作吗？我不知道。现在Informilo估计63,000名企业取得比特币。问题商人拥有比特币是他们通常会清算现金的权利，产生向下压力。上周比特币的价格在一天内跌幅近20％，对试图成为商人的既定货币的东西不利。

仍然有很多值得理解的，但了解比特币在SIBOS制作的主要舞台上，数字货币的所有东西都有相当多的嗡嗡声，银行家开始参加聚会。