记得小时候，如果要说货币，那就是实打实的现金，而现在电子货币、数字货币、虚拟货币、加密货币层出不穷，不免让人觉得糊涂。这些没有实体的货币究竟是什么意思呢？今天我们就来一次搞清楚。
Remember, when I was a kid, when it came to money, it was real cash, and now electronic money, digital money, virtual money, crypto-currency, it's confusing. What do these unentangled currencies really mean? Let's do it today.
电子货币
Electronic currency
电子货币是指以电子记账的方式代替现金交易的货币系统，如今人们最熟悉的支付宝和微信支付就是这样的。它并不是现金，而是将现金以电子的方式呈现，我们可以像使用现金那样使用它，每一笔款项都是有相应的记录。
E-money refers to a monetary system that replaces cash transactions by electronic bookkeeping, as is the case with payment treasures and micro-credit payments, which are now the most familiar. It is not cash, it is cash that is presented electronically, and we can use it as cash, each with a corresponding record.
虚拟货币
Virtual currency
虚拟货币是指虚拟空间中可以购买商品和服务的货币，具有交易媒介和记账单位的功能。一般只能在特殊虚拟环境中使用，即使可以兑换实体物品，也只能在相关服务平台进行使用，比如某某积分，某款游戏里的金币。
Virtual currency means the currency in which goods and services can be purchased in virtual space, with the functions of a transaction medium and a unit of account.
加密货币
Encrypted currency
加密货币是一种使用“密码学”原理，来确保交易安全和控制交易单位的货币。简单的来说就是利用相关加密技术创造出来的交易媒介。加密货币的发行者不固定，可以是某家公司，也可以为个人，并且无相关机构监管，因此加密货币市场鱼龙混杂。
Encrypted money is a currency that uses the principle of cryptography to ensure the security of transactions and control the unit of transactions. Simplely, it is a transaction medium created using the relevant encryption technology. The issuer of encrypted money can be either a company or an individual, and it is not regulated by the relevant institutions, so the market for encrypted money is mixed.
货币的发展经历了最初的以物换物，到贝壳类货币，再到金属类货币，而如今货币逐渐电子化，这一切都是科技不断进步的结果。不过需要注意的是，加密货币并不是真实货币，在我国没有得到没有得到认可，广大消费者应增强风险意识，不参与虚拟货币交易炒作活动，不盲目跟风虚拟货币相关投机行为，谨防个人财产及权益受损。
Monetary development has been the result of initial exchange of goods, to shell currency, to metal currency, and the gradual electronicization of currencies today, all of which is the result of technological advances. But it is important to note that encrypted currencies are not real and are not recognized in our country, and that consumers at large should be more risk-aware, not involved in virtual currency transactions, not blindly associated with speculation in virtual currency, and should guard against the erosion of personal property and interests.
免责声明：素材源于网络，如有侵权，请联系删稿。
Exempt declaration: material originating from the Internet, please contact deleted if violation occurs.
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