It is not surprising that the blockchain has been devised precisely with the preservation of value and the freedom to make transfers of this value in mind. Bitcoin, the first digital asset based on distributed trust without the intervention of a central entity was its first application.
这并不惊奇，区块链被设计、精确的保存价值和在思维上自由的转移价值。比特币，第一个数字资产建立在分布的信任基础上，没有中央实体的机构介入，是第一个应用。
Cryptocurrencies are digital assets designed to work as a means of exchange that uses cryptography to secure your transactions, to control the creation of new units and to verify the transfer of these units 。
加密数字货币是数字资产设计作为交易，使用了密码学来保护交换，去控制生成新单位和去确认转移这些单位。
A token, on the other hand, is a unit of value that an organization creates to govern its business model and give its users more power to interact with its products, while facilitating the distribution and sharing of profits among all its shareholders. In the case of digital tokens, the accounting and relationship of the token with the ecosystem around the productive activity is found on the blockchain of some cryptocurrency, as Ethereum,which mediates the relationship of the token with the real economy and the fiduciary currencies, although this relationship does not have to be permanent.
代币，另一方面，一个单元的价值，是一个组织团体创设的用来管理商业和给使用者更多的权利与他们的产品互动，促进分配以及同所有的股东分享收益。至于数字代币，会计账目和代币的关系及生态系统围绕着生产活动，建立在一些加密货币的区块链上，即以太坊，来调节代币与实体经济和信托货币的关系，尽管这种关系不是永久不变的。
Cryptocurrency and digital tokens:加密货币和数字代币
Facilitate currency and legal transactions 促进流通、合法交易。
They enable the transfer of assets (or certifications of ownership) in a more secure manner
它们帮助资产转移所有权，能以更安全的方式。
They empower users and organizations on the management of their finances, so that they themselves become the owners of the banks, and not just the bank account, by owning a “digital purse” or wallet to store their cryptocurrencies。
它们加强了使用者和组织管理金融财务，他们自己也成为了银行的所有者而不是仅仅开了个银行账户，通过拥有一个数字钱包来储存他们的加密货币。
Avoid the high transaction costs of traditional credit card companies and centralized payment processors
避免了传统信用卡公司和中心化支付程序的高额交易成本。
Save time thanks to the speed of transactions
节省了转账的时间
They eliminate geographic barriers by being driven 驱动and supported by internet protocols协议, giving access to secure international financial transactions。
通过互联网协议的驱动和支持，它们消除了地理位置的障碍，使得更易于保护国际金融转账。
Digital cryptocurrency and tokens are not being fully exploited by important actors in society, such as public and private organizations. Both their convenience and the other advantages inherent to the blockchain that sustains them, make us think about the possibility of a massive adoption in the medium term, as long as the states favor the conditions for this process。
数字加密货币和代币并不是完全由公共和私人组织所利用开发。他们共同的便利和来自于区块链固有的优势所支撑，使我们思考在中期大规模采用的可能性，只要国家看好这个进程。
These instruments have revealed new financial opportunities for people. However, they still present great challenges, such as usability, the price volatility and, above all, the resistance of traditional institutions that are forced to think about what their new role will be in the economy of the fourth industrial era.
这些工具给人们揭示新的金融机遇，它们展示了巨大的挑战，比如易于使用，价格的波动。那些传统机构的阻碍者，必须被迫想一想，在未来第四工业时代他们应该扮演什么样的新角色。
