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上期勘误：上期（20210307）第二段最后多了一句中文翻译，大家不必理会奥。以及第三段let’s say, that has an e-commerce platform and they’re down，这里down应当翻译成宕机（已修改），感谢私信提醒的小伙伴！
That’s the goal of Solid,
a new project from Mr. Berners-Lee
, （which aims to put more control of data in users’ hands by having users – rather than tech companies or websites – store their data in individually controlled pods, with others able to access limited amounts only with direct permission）.
这就是伯纳斯·李的新项目“Solid”的目标，它旨在通过让用户——而不是科技公司或网站——将他们的数据存储在自己私人控制的“豆荚”中，从而将更多的控制权交到用户手中，其他人只能在获得直接许可的情况下访问部分数据。
中国正大举推进一项行动，推出属于自己的数字货币。自去年开始在几个城市试点后，近来中国央行将试点扩大到京沪等更大城市。世界各地央行都在尝试数字货币，但目前没有任何其他大国像中国一样走得这么远。
Investors' interest in bitcoin as an asset may be rising, but the inefficiencies and transaction costs associated with its use make it unlikely ever to be a viable currency. Here the action has been within central banks.
投资者把比特币当作一种资产的兴趣可能日渐浓厚，但比特币使用时的低效和交易成本问题让它不可能成为一种切实可用的流通货币。各国央行一直在展开这方面的行动。
As consumers have shifted away from using physical cash, and private companies—such as Facebook—have expressed an interest in
launching their own tokens
, many central banks have begun planning to issue their own digital currencies.
The Bank for International Settlements, a club of central banks, last month said it expects one-fifth of the world's population will have access to a central-bank digital currency (CBDC) by 2024.
翻译划线句，长按文末小程序码打卡，答案下期公布~
央行俱乐部国际清算银行1月表示，预计到2024年，全球五分之一的人口将能用上央行数字货币。
China is the
clear
frontrunner. On February 17th it concluded the third big test of its digital currency, handing out 10m yuan ($1.5m) to 50,000 shoppers in Beijing. It has announced a joint venture with SWIFT, an interbank-messaging system used for cross-border payments. Sweden, another champion, has extended its pilot project.
中国显然是领跑者。2月17日，它完成了数字货币的第三次大型测试，向北京的5万名购物者发放了1000万元(150万美元)的红包。它宣布与SWIFT（一个用于跨境支付的银行间信息系统）成立合资企业。另一个领跑国家瑞典扩大了试点项目。
The latest big central bank to get serious about a CBDC is the European Central Bank (ECB). Its public consultation, seeking views on the desirable features of CBDCs, concluded in January,
garnering
over 8,000 responses. Speaking to The Economist on February 10th, Christine Lagarde, its president, said she planned to seek approval from her colleagues to begin preparing for a digital EURO. A decision is expected in April. Ms Lagarde hopes the currency will
go live
by 2025.
最近开始认真考虑央行数字货币的大型央行是欧洲央行。它对这种数字货币的重要功能向大众公开征求意见，并于1月结束，收到了8000多条回复。2月10日，该行行长克里斯汀拉加德在接受经济学人采访时说，她计划在征得同事们的同意后，开始筹备数字欧元，预计4月将做出决定。拉加德希望这种货币在2025年之前投入使用。
Much like other central banks, the ECB wants to offer consumers digital tender that is as safe as physical cash. Unlike bank deposits, a claim on central-bank reserves carries no credit risk. Digital-currency transactions could be settled instantly on the central bank's
ledger
, rather than using the
pipes
of card networks and banks. That could provide a back-up system in the event that outages or cyber-attacks cause private payment channels to fail.
欧洲央行在很大程度上和其他央行一样，希望向消费者提供和现金一样安全的数字货币。与银行存款不同，持有央行的储备金不存在信用风险。数字货币交易可以通过央行分类帐即时结算，无需使用信用卡网络和银行渠道。当出现因停电或者网络攻击而导致私营支付渠道不能正常运行时，它可以作为一个后备系统。
本文节选自：The Economist（经济学人）
发布时间：2021.03.04
作者：The Economist
原文标题：Bitcoin grabs the headlines, but the real action is at central banks
