核心提示：本文会进一步分析Libra 2.0 的深层目的，影响和意义。Libra 2.0主要指出四个亮点（基于单一发币的数字货币，放弃公链路线、活泼监管机制、储备金管理），这些都很重要，但是Libra 2.0 还有其他更重要的信息被蜻蜓点水地带过， 也许Libra协会有意避重就轻。本文会为读者揭开Libra 2.0隐藏的信息。
我今天发言题目是「区块链对支付清算体系的影响——以 Libra 和 DC/EP 为例」。
作者：Chris Dannen, Leo Zhang, 和Iterative 资产管理译者：Katt Gu 摘要 在本文中，我们向投资者介绍了一系列从黑客抵制传统公司充满压迫性和道德争议的管理和雇佣方式的亚文化中诞生的生产模式。
1 .美国行动，全球热议新世界储备货币自从英国央行行长2019年8月23号在美国演讲之后，数字法币影响国家和经济已经得到了公认。从2019年11月哈佛大学肯尼斯·罗格夫（Kenneth Rogoff）教授文章第一句话，即可看出美国对此事的看法已经定调：
Enlarge this imageIn Crawley, England, the title from the Polish food market Tani Sklep signifies "cheap shop" in Polish. Crawley has a ma sive local community of Poles and also other EU migrants, drawn to employment at close by Gatwick Airport.Lauren Frayer for NPRhide captiontoggle captionLauren Frayer for NPRIn Crawley, England, the name of the Polish grocery store Tani Sklep indicates "cheap shop" in Polish. Crawley includes a huge neighborhood of Poles together with other EU migrants, drawn to positions at close by Gatwick Airport.Lauren Frayer for NPRThe town of Crawley, about 30 miles south of London, has become inhabited since Roman occasions. It grew significantly following Entire world War II, absorbing men and women from bombed-out parts from the cash. There is certainly a 13th century church and an aged stagecoach inn that dates to 1615. The newest census figures present almost all of the roughly 100,000 persons registered as living in Crawley are white and British-born. But a stroll around city reveals a unique photograph. A busker sings in Italian. Pa sersby speak Polish, Bulgarian and Jacob Markstrom Jersey Romanian. You can find a food market that caters to immigrants with the Baltic states Latvia, Lithuania, Estonia. They are all foreigners from European Union nations around the world who've been ready to settle and function in Crawley. At four.4 per cent, Crawley's unemployment fee is beneath the national typical of five.1 %. With a lot of work at close by Gatwick Airport, it is really historically experienced a person of your cheapest unemployment charges in all of england, dipping to down below 2 percent final yr. But Crawley like quite a few typically operating course towns throughout the U.K. voted overwhelmingly to leave the eu Union. Quite handful of of your foreigners in this article had been suitable to vote. It is really unclear accurately how many foreigners are literally living in Crawley, since the EU's independence of labor movement isn't going to observe them. ParallelsAfter Brexit, Uncertainty About Standing Of EU Workers Living In U.K. A few of the area residents who voted to depart say they feel vilified. Older Britons tended to vote in this way, though British youth normally backed the Remain marketing campaign. "They're blaming me for the reason that I'm more than 65. They are saying, 'You condemned our grandchildren and our youngsters to poverty,'" suggests Iain Davey, 70, a lifelong Crawley resident. "But what is going on in Europe? Younger Spaniards, young Greeks, youthful Italians... they are coming in this article. Why are they coming in this article? For the reason that they see the place the jobs are." Ahead of he retired, Davey used to operate at Gatwick Airport, in what he calls a "solid union career," on which he was able to a sist a loved ones. Now foreigners are coming to work for low-cost airways there. "The cash they have been available is a lot improved than in Bulgaria or Romania. But it can be lower than what normal [English] people in this article, making an attempt to pay for their expenditures and educate their children" anticipate to generate, Davey says. "They find it extremely hard to operate at those wages." Enlarge this imageCrawley has been all-around considering the fact that Roman times, however it grew substantially right after the next Globe War to soak up men and women from bombed-out areas of London, some 30 miles north. Its St. John's Church was made within the thirteenth century.Lauren Frayer for NPRhide captiontoggle captionLauren Frayer for NPRCrawley has actually been all-around due to the fact Roman moments, but it surely grew significantly soon after the next Earth War to absorb persons from bombed-out parts of London, some 30 miles north. Its St. John's Church was produced while in the thirteenth century.Lauren Frayer for NPRGlobalization has a sisted many individuals and boosted the British economy in new decades, Davey says, but it can be harm Britain's performing course. Fresh new information exhibit some British employees have viewed their wages slide in recent years. As Anglican trustworthy stream from Crawley's medieval St. John's Church, Romanian Orthodox worshipers file in. With only one Church of England company every Sunday, they've repurposed the church for other faiths, whose numbers are expanding in Crawley. "We're fairly Markus Granlund Jersey cosmopolitan now. We've got a great deal of races and languages listed here," states Trish Tame, 54, who lives just outside the house Crawley. "That's good around a point. But [my spouse and I] are amid people who wish to leave [the EU]. We just want it to return to the way it absolutely was just before." In a very pedestrian location of outlets not far from the church, a gaggle of English males mill about before a pound store the British equivalent from the greenback retailer. They are saying they may have no regrets in regards to the way they voted. "The 'great' in Britain is absent, and we have to get that back again," claims Peter Field, sixty, a retired airport chauffeur. "The amount the government is investing on foreigners coming into this region, and searching just after them, instead of wanting right after their very own folks, is completely wrong." But a latest a se sment of U.K. govt data displays that immigrants draw le s in joble s rewards, on ordinary, than people today born in Britain. "People coming in in the EU are usually working-aged, and net recipients of presidency a sist are typically more mature folks or young children," says Ryan Bourne, head of public plan in the Institute of Economic Affairs in London. "So migrants within the EU have a tendency to pay for a lot more into your method than they just take out." "But when there's been a big influx of migrants, after which you're having difficulty having your child to the university they want to go to, or if you're owning to wait for a longer period for any [medical] operation, or get over the housing ladder, people backlink the two factors," Bourne claims. A Portuguese immigrant and solitary mom, Teresa de Nobrega, has lived in Crawley for 20 decades, and operates in a regional insurance plan busine s. "I should say, the working day right after the vote, I felt awful" going into perform, she claims. "I felt undesired. It had been a very awful experience." De Nobrega claims she thinks far-right, anti-immigrant political parties just like the U.K. Independence Bash took gain of your financial malaise between her English neighbors throughout the Brexit marketing campaign to turn them towards people like her. But some English persons are merely simple "lazy," she says, should they will never do the job with the wages she's ready to choose. "I you should not want to be unfair to the English persons, but I think often you simply really need to perform and obtain on with it," she suggests. "If you can not, you make do with much le s." Each sides right here, British-born local inhabitants and European newcomers, are utilizing the exact rhetoric towards just one a further. Markus Naslund Jersey The conditions of Brexit neverthele s must be negotiated. Which is po sible to get a long time. Meanwhile, uncertainty and many share of resentment are very likely to persist.