BigIdeas 2023报告速览：货币、金融和互联网革命正处于转折点

因对新兴技术和资产的投资，ARK Investment及其创始人Catherine Wood的观点和投资行为在市场上一向引人瞩目。

The views and investment behaviour of ARK Investment and its founder Catherine Wood have been prominent in the market for investment in emerging technologies and assets.

而ARK Investment和Catherine Wood的投资逻辑集中体现在他们从2017年开始每年年初发布“Big Ideas”报告。

The investment logic of ARK Investment and Catherine Wood, on the other hand, is centred on the publication of the “Big Ideas” report at the beginning of each year, beginning in 2017.

美国时间2023年1月31日，ARK Investment发布最新的“Big Ideas 2023”报告，长达153页，14个部分。

On 31 January 2023, U.S. time, ARK Investment released the latest Big Ideas 2023 report, 153 pages in 14 parts.

Big Ideas 2023报告将这些破坏性创新技术分为5类：公链、AI、能源存储、机器人、多组学测序。

除了总览Technological Convergence，其他13部分中涉及加密货币和Web3的就有5个，分别为：数字消费（Digital Consumers）、数字钱包（Digital Wallets）、公链（Public Blockchains）、比特币（Bitcoin）、智能合约网络（Smart Contract Networks）。

In addition to the General Review of Technological Navigation, five of the other 13 sections `strange' relate to encrypted currency and Web3: Digital Consumers, Digital Wallets, Public Chains, Bitcoin, Smart Contract Networks .

下面金色财经带你来看看这些内容。

Here's the gold book. Let's take a look at it.

随着游戏行业向全方位的虚拟世界过渡，视频游戏和社交媒体可能会合并，因为消费者在游戏支持的虚拟空间中进行社交和娱乐，而不是在物理环境中。根据ARK的研究，游戏和社交媒体之间的融合应促进游戏收入的增长，从过去五年的复合年率7%增加到未来五年的10%。

As the game industry transitions to a global virtual world, video games and social media may merge, as consumers socialize and entertain in virtual spaces supported by games, rather than in physical environments. According to research by ARK, integration between games and social media should promote growth in game income, from a compound annual rate of 7 per cent in the last five years to 10 per cent in the next five years.

2022年，NFT交易量同比增长15%，主要由高知名度的收藏项目如Bored Ape Yacht Club和Crypto Punks主导。然而，铸造的NFT份额转向基于实用的项目，如链上域名和数字会员资格。注重基础价值而不是投机，向实用性的转变是一个健康的发展。

In 2022, NFT transactions grew by 15% on a year-on-year basis, dominated by high-profile collections such as Bored Ape Yacht Club and Crypto Punks. However, the build-up of NFT shares turned to practical projects such as domain names and digital membership.

物理产权和知识产权与人均GDP呈正相关，这是生活质量的一个常见代表。在我们看来，由于去中心化的所有权证明，数字资产可能会增加人均在线支出。ARK预测，全球NFT交易量将从现在的220亿美元增长到2027年的1200亿美元，增长超过5倍。

Physics and intellectual property rights are positively related to GDP per capita, a common expression of quality of life. It seems to us that, with decentralized ownership certificates, digital assets may increase per capita online spending. ARK predicts that global NFT transactions will increase by more than five times from $22 billion today to $120 billion in 2027.

数字钱包拥有32亿用户，已经渗透到全球人口的40%。ARK研究表明，数字钱包的用户数量将以每年8%的速度增长，到2030年将渗透到全球人口的65%。

Digital wallets, with 3.2 billion users, have infiltrated 40 per cent of the global population. ARK studies show that the number of digital wallet users will grow at 8 per cent per year, reaching 65 per cent of the global population by 2030.

随着消费者和商家采用数字钱包，传统的支票账户、信用卡和借记卡以及直接的商家账户的使用应该会减少，从而冲击传统的支付中介机构。

With the introduction of digital wallets by consumers and businesses, the use of traditional cheque accounts, credit and debit cards, as well as direct business accounts, should be reduced, thus affecting traditional payment intermediaries.

剔除中间商，数字钱包可以促进50%以上支付量的闭环交易，到2030年，在目前1万亿美元的数字钱包企业价值基础上，可能增加4500亿美元。

By eliminating middlemen, digital wallets can facilitate closed-ring transactions with more than 50 per cent of payments, with an increase of $450 billion in 2030 over the current $1 trillion worth of digital wallet businesses.

2021年，数字钱包促成了49%的电子商务交易，高于2016年的18%。自2016年以来，数字钱包一直在以牺牲信用卡、银行转账和现金为代价获得份额。

In 2021, digital wallets contributed to 49% of e-commerce transactions, up from 18% in 2016. Since 2016, digital wallets have been receiving shares at the expense of credit cards, bank transfers, and cash.

2021年，数字钱包促进了29%的线下交易，比2018年的16%几乎翻倍。在2020年COVID大流行期间，数字钱包超过了现金，成为线下交易的主要手段，数字钱包继续获得份额。

In 2021, digital wallets facilitated 29% offline transactions, almost double the 16% in 2018. During the 2020 COVID pandemic, digital wallets exceeded cash, became the main means of offline transactions, and digital wallets continued to receive their share.

与低客户获取成本和卓越的用户体验相关的网络效应正在推动数字钱包的采用。在COVID引起的加速和随后的流失之后，美国数字钱包的采用在2022年出现反弹，超过了以前的高点。根据我们的估计，美国数字钱包用户在未来八年内将以每年7%的速度增长，从2022年的约1.6亿增加到超过2.6亿，而全球数字钱包用户数量以每年8%的速度增长，到2030年达到56亿，占全球人口的65%。

After the acceleration and subsequent loss caused by COVID, US digital wallet adoption rebounded in 2022, surpassing previous highs. According to our estimates, US digital wallet users will grow at a rate of 7% per year over the next eight years, from about 160 million in 2022 to more than 260 million, while the number of global digital wallet users will grow at 8% per year, reaching 5.6 billion by 2030, or 65% of the global population.

在获得数十亿用户之后，数字钱包正在将数以百万计的商户纳入平台，使消费者与商户之间的直接交易脱离传统金融机构。

With billions of users, digital wallets are bringing millions of businesses into the platform, separating direct transactions between consumers and traders from traditional financial institutions.

在传统的支付链中，一些中间商对消费者和商家之间的支付*收取费用。通过实现网络内交易，数字钱包供应商在每笔交易中获得更多的价值，并可以与商家和消费者分享节省的费用。

In the traditional payment chain, some middlemen charge a fee* for payments between consumers and businesses. By making intra-network transactions, digital wallet suppliers receive more value for each transaction and can share the savings with businesses and consumers.

2022年，Block向第三方支付了约60%的客户交易费，用于交换、评估、处理和银行结算费用。如果Cash app的客户使用他们的余额与Block的商家进行交易，Block的净收益率可能会增加一倍以上。

In 2022, Block paid about 60% of its customer transaction fees to third parties for exchange, assessment, processing and bank settlement costs. If Cash app clients used their balances to deal with Block’s merchants, Block’s net return could more than double.

闭环交易在中国大陆很普遍，它可以解除第三方的介入，为数字钱包平台、消费者和/或中国大陆以外的商家节省近500亿美元的成本，到2030年，数字钱包平台1万亿美元的总企业价值可能会增加4500亿美元。

Closed-ring transactions are common in mainland China, where they can remove third-party involvement and save nearly $50 billion in costs for digital wallet platforms, consumers and/or businesses outside mainland China. By 2030, the total business value of $1 trillion in digital wallet platforms could increase by $450 billion.

尽管出现了严重的衰退，公链继续促进货币、金融和互联网革命。比特币、DeFi和Web3的长期机会正在加强。

Despite a severe recession, the public chain continues to promote the monetary, financial and Internet revolution. Long-term opportunities for Bitcoin, DeFi, and Web3 are increasing.

加密货币和智能合约在未来十年内可以分别获得20万亿美元和5万亿美元的市场价值。

Encrypted money and smart contracts can generate market values of $20 trillion and $5 trillion, respectively, over the next 10 years.

问题：

Question:

中心化的货币体系未能提供强有力的经济保证。

Centralized monetary systems have failed to provide strong economic guarantees.

- > 40亿人生活在独裁政权下。

- & gt; 4 billion people live under dictatorship.

- > 20亿人遭受着两位数的通货膨胀。

- & gt; 2 billion people suffer double-digit inflation.

- > 10亿人无法使用传统的支付转账应用程序。

- & gt; 1 billion people do not have access to traditional payment transfer applications.

- > 10亿人依赖汇款。

- & gt; 1 billion people depend on remittances.

革命：

Revolution:

比特币是抗审查的。

bitcoin is anti-censorship.

在比特币上进行交易的障碍很低，唯一的要求是拥有一个私钥。

The barriers to doing business in bitcoin are very low, and the only requirement is to have a private key.

比特币是抗通胀的。

Bitcoin is anti-inflationary.

比特币的数量是以数学方式计量的，并且是可预测的，根据一个预定的时间表。比特币的供应量现在是1900万枚，上限是2100万枚。

The number of bitcoins is mathematically measured and predictable, according to a predetermined timetable. Bitcoins are now available at 19 million, with a ceiling of 21 million.

比特币是抗冻结的。

bitcoin is anti-freezing.

比特币结合了椭圆曲线加密技术和安全保管，以确保独立产权。

Bitcoin combines elliptical encryption techniques and safe custody to ensure independent property rights.

比特币是可审计和透明的。

bitcoin is auditable and transparent.

比特币的决策是透明和分散的。运行一个完整的节点，用户可以自由地验证交易和审计供应。

Bitcoin’s decision-making is transparent and decentralized. Runs a full node where users are free to verify transactions and audit supplies.

问题：

Question:

超过20亿人无法获得基本的银行服务，包括账户管理和信贷。

More than 2 billion people lack access to basic banking services, including account management and credit.

- 传统金融机构的不透明性造成了灾难性的金融崩溃。

- The non-transparent nature of traditional financial institutions has led to a catastrophic financial collapse.

- 传统金融机构之间的对手方风险导致了单点故障，中心化决策使得寻租行为猖獗。

- Counter-opposite risks between traditional financial institutions have led to single-point failures, and centralized decision-making has led to widespread rent-seeking.

数据：

Data:

~DeFi交易量约为1.2万亿美元，从2020年到2022年增长12倍。

~ DeFi trade volume is about $1.2 trillion, a 12-fold increase from 2020 to 2022.

- 在FTX崩溃后，DeFi交易量相对于总的加密货币交易量增加了52%。

- Following the collapse of FTX, the volume of DeFi transactions increased by 52 per cent over the total volume of encrypted currency transactions.

- ~9万亿美元的链上稳定币转账，比2022年的卡网络万事达卡、运通卡和Discover卡的总和还要多。

- $9 trillion in stable currency transfers over the chain, which is more than the sum of the 2022 Carnet MasterCards, Express Cards and Discover cards.

- 2022年，~320亿美元的提款和近10亿美元的清算。

- In 2022, up to $32 billion in withdrawals and close to $1 billion in liquidation.

革命：

Revolution:

DeFi消除了传统的中介机构。

DeFi eliminated traditional intermediaries.

自动化的智能合约保证了执行，而不需要信任的收费员。

Automated intellectual contracts guarantee implementation without the need for trusted fee-payers.

DeFi是全球性的。

DeFi is global.

部署在开放协议上的金融服务使任何有互联网连接的人都能访问托管、交易和借贷设施。

Financial services deployed in open agreements allow anyone with Internet connections to access hosting, trading and lending facilities.

DeFi是可互操作的。

DeFi is interoperable.

金融服务是开源的、可互操作的，允许快速创新和实验。

Financial services are open-source, interoperable and allow for rapid innovation and experimentation.

DeFi是可审计和透明的。

DeFi is auditable and transparent.

用户管理风险和功能，而抵押和资产流动是公开的，可供检查。

Users manage risks and functions, while mortgages and asset flows are open for inspection.

问题：

Question:

互联网依赖于技术垄断，这些技术垄断者利用、拥有用户数据并将其货币化。

The Internet relies on technological monopolies that exploit, own and monetize user data.

- 网上的身份和声誉是不能互用的。

- Internet identities and reputations are not mutually beneficial.

- 中心化的决策者支配着信息的发现，主观地调节着内容和交流。

- Centralized decision makers dominate the discovery of information and subjectively regulate content and communication.

数据：

Data:

在以太坊名称服务和Unstoppable Domains中发行了500万个独特的ID。

Five million unique IDs have been distributed in Taiping Nam service and Unstoppable Domains.

- NFT的年交易量为220亿美元，2022年增长15%。

- NFT has an annual turnover of $22 billion, an increase of 15 per cent in 2022.

- 1.27亿美元的累计NFT创作收入。

- $127 million in accumulated NFT creative income.

- 主要品牌，包括星巴克、阿迪达斯、耐克、可口可乐和NBA，与Web3协议合作。

- Main brands, including Starbucks, Adidas, Nike, Coca-Cola and NBA, in cooperation with the Web3 agreement.

- 包括Instagram、Twitter、Reddit在内的主要社交平台推出NFT驱动的功能。

- Launching of NFT-driven functionality on major social platforms, including Instagram, Twitter, Reddit.

革命：

Revolution:

Web3是用户拥有的。Web3首次引入了数字产权。

Web3 is owned by the user. Web3 introduced digital property rights for the first time.

Web3依靠的是协议，而不是平台。

Web3 relies on protocols, not platforms.

去中心化的协议使分布式数据的管理和开放访问成为可能，限制了中央聚合器的控制。

Decentralized agreements make it possible to manage distributed data and open access, limiting the control of central polymers.

Web3实现了新的货币化模式。

Web3 achieved a new monetization model.

Web3将经济学嵌入到软件中，使用户能够盈利并参与到网络发展中。

Web3 embeds economics in software to enable users to make a profit and participate in network development.

Web3实现了消费和投资之间的融合。

Web3 achieves a convergence between consumption and investment.

随着经济的数字化，消费者行为正在发生变化，使购买、拥有和使用商品和服务的新范式成为可能。

With the digitalization of the economy, consumer behaviour is changing, making possible new paradigms for the purchase, possession and use of goods and services.

根据我们的研究，加密货币和智能合约可以分别创造20万亿美元和5万亿美元的市场价值。

According to our research,

我们相信比特币的长期机会正在加强。尽管经历了动荡的一年，比特币并没有停滞。它的网络基本面已经加强，它的持有者已经变得更加关注长期。

We believe that the long-term opportunity for Bitcoin is growing. Despite a year of turmoil, Bitcoin has not stalled. Its network fundamentals have been strengthened, and its holders have become more focused on the long term.

由中心化交易方引起的传染性崩盘提升了比特币的价值主张：去中心化、可审计性和透明度。

Infectious crashes caused by centralized traders have raised the value proposition of Bitcoin: decentralization, auditability and transparency.

一个比特币的价格在未来十年可能超过100万美元。

比特币的波动性掩盖了它的长期回报。尽管自2009年诞生以来，比特币有五次跌幅超过75%，但在3年、4年和5年的时间范围内，比特币的年化回报率为正。

Bitcoin’s volatility masks its long-term return. Although Bitcoin fell by more than 75% five times since its inception in 2009, Bitcoin’s annualized rate of return was positive over a time frame of three, four and five years.

尽管几个主要的加密货币实体的崩溃加剧了市场的极度恐惧，但链上数据显示，比特币持有者仍然专注于长期的基本面。

While the collapse of several major crypto-currency entities has exacerbated the extreme fear in the market, the data on the chain show that Bitcoin holders remain focused on long-term fundamentals.

2022年，中心化交易所的净流出量达到56万个BTC，是历史上最大的一次。

In 2022, the net outflow of centralized exchanges reached 560,000 BTCs, the largest in history.

一场 "银行挤兑 "迫使创纪录数量的交易所公布可审计的财务状况和可加密验证的偿付能力证明，也就是所谓的 "储备证明"（PoR）。

A " bank run-off " forced a record number of exchanges to publish an auditable financial position and an encrypted certificate of solvency, known as the " Stock Certificate " (PoR).

比特币的算力--矿工每秒产生的计算量，也是网络安全的代表--已经连续12年增加，在2022年达到了272 EH/s的历史最高水平。

Bitcoin's arithmetic — the amount a miner produces per second and represents cybersecurity — has increased for 12 consecutive years, reaching an all-time high of 272 EH/s in 2022.

比特币挖矿是石油和天然气井场的理想选择：它是分布式的，具有高度可扩展性的模块化硬件，可以运输到作业井场并在作业井场之间转移。由于石油和天然气井的寿命通常是有限的，比特币采矿可以使投资的高回报和低回报之间产生差异。每年有超过2650亿立方米的天然气被浪费了。

Bitcoin mining is the ideal option for oil and gas wells: it is distributed, with highly scalable modular hardware that can be transported to and transferred between wells. As oil and gas wells usually have a limited lifespan, Bitcoin mining can make a difference between high returns on investment and low returns. More than 265 billion cubic metres of gas are wasted each year.

随着石油和天然气井场引入比特币开采，独立的比特币矿工可能变得无利可图。

As oil and gas wells introduce bitcoin mining, independent bitcoin miners may become unprofitable.

2022年6月：贝莱德的Aladdin与Coinbase Prime合作，为机构客户提供直接接触加密货币的机会，首先是比特币。连接到Coinbase Prime，贝莱德的Aladdin可以在未来几年将数万亿美元带入资产类别。

June 2022: Aladdin in Belede, in collaboration with Coinbase Prime, provides direct access to encrypted currency, starting with Bitcoin. Connected to Coinbase Prime, Aladdin in Belede can bring trillions of dollars into asset classes in the coming years.

2022年10月：纽约梅隆银行推出了一个加密资产托管平台，为机构投资者保障资产。纽约梅隆银行接触到了全球20%以上的可投资资产，它可以利用比特币以成本效益的方式来扩大金融服务。

October 2022: New York Melon Bank launched an encrypted asset hosting platform to secure assets for institutional investors. The New York Melon Bank has access to more than 20 per cent of the world’s investable assets, which can expand financial services in a cost-effective manner using Bitcoin.

2022年10月：Eaglebrook Advisors和ARK Investment Management合作，为财务顾问提供主动管理的加密货币策略，包括直接的加密资产所有权，最低限度，以及投资组合报告的整合。

October 2022: Eaglebrook Advisors and ARK Investment Management work together to provide the financial consultant with a proactive and managed encrypt currency strategy, including direct cryptographic asset ownership, minimum, and integration of portfolio reporting.

2022年11月：富达公司正式推出零售比特币和以太坊交易账户，使投资者能够在其平台上交易和托管。

November 2022: Fuda officially introduced retail bitcoin and Etheria trading accounts to enable investors to trade and host on its platforms.

ARK的研究估计，到2030年一个比特币的价格可能超过100万美元

 在去年中心化的加密货币中介机构出现灾难性失败之后，去中心化的公链上的自动化自我执行合约提供了透明和非托管的金融服务的替代方案。

& nbsp; Automated Self-Enforcement Contracts on the Decentralized Public Chain provide an alternative to transparent and non-trusted financial services following the catastrophic failure of the centralized money intermediaries last year.

事实证明，去中心化对于维持公链基础设施的原始价值主张更为关键。

Decentralization has proved to be more critical to maintaining the original value propositions of the public chain infrastructure.

根据ARK的研究，随着代币化金融资产在链上的价值增长，去中心化应用和为其提供动力的智能合约网络可以产生4500亿美元的年收入，到2030年达到5.3万亿美元的市场价值。

According to research by ARK, as the value of monetized financial assets in the chain increases, a network of smart contracts with decentralized applications and power can generate $450 billion in annual revenues, reaching a market value of $5.3 trillion by 2030.

像以太坊这样的公链上的活动曾经被简单的资产转移所主导，现在已经多样化到去中心化的金融服务（DeFi）和基于NFT的数字商品的创造和所有权，以及其他应用。

The activities on the public chain such as Etherno were once dominated by simple asset transfers and have diversified into decentralised financial services (DeFi) and NFT-based digital commodity creation and ownership, as well as other applications.

去中心化金融是中心化中介机构的一个有前途的替代方案

Going to centralize finance is a promising alternative to centralizing intermediaries.

放弃集中心化中介机构，转向自我托管解决方案，交易者越来越青睐于去中心化交易所的透明度。

The move away from centralizing intermediaries towards self-hosting solutions has led traders to increasingly favour transparency in decentralizing exchanges.

自2020年以来，去中心化交易所（DEX）的交易量占总加密货币交易量的比例一直在上升。

Since 2020, the share of decentralized exchange (DEX) transactions in total encrypted currency transactions has been increasing.

该比例在夏季下降，也许是由于围绕仅限于DEX的长尾资产的投机交易在Terra / Luna、Celsius和Three Arrows Capital倒闭后逐渐消失。然而，在FTX于11月倒闭后，DEX的市场份额猛增52%，从总交易量的9%上升到14%。

The proportion declined in the summer, perhaps because speculative transactions around long-tailed assets that were limited to DEC disappeared after the collapse of Terra/Luna, Celsius and Three Arrows Capital. However, following the collapse of FTX in November, the market share of DEX rose sharply by 52 per cent, from 9 per cent to 14 per cent of total transactions.

随着中心化加密货币贷方的失败，DeFi贷款协议按照设计发挥了作用

The DeFi loan agreement worked as designed as a result of the failure of the centralized encrypt currency lender.

随着Celsius和Voyager等加密货币借贷企业的破产，Aave等去中心化借贷市场继续按设计运行。他们在没有服务中断的情况下处理存款、提款、发放和清算。

With the bankruptcy of encrypted money lending enterprises such as Celsius and Voyager, the decentralized lending market continues to operate as designed. They process deposits, withdrawals, distributions and liquidations without interruption of services.

自2020年11月以来，Aave已经处理了超过750亿美元的资金流入和660亿美元的资金流出，所有这些都是通过智能合约自主进行的。

Since November 2020, Aave has handled more than $75 billion in inflows and $66 billion in outflows, all autonomously through smart contracts.

风险控制和存款、贷款和抵押率的完全透明，促进了DeFi的稳定。

Risk control and full transparency of deposit, loan and mortgage rates contributed to the stability of DeFi.

在2022年9月的合并期间，以太坊从工作证明（PoW）过渡到权益证明（PoS）。不再需要向能源密集型矿工支付安全费用，以太坊加强了其货币政策，并减少了新代币的发行。在新的代币模式下，以太坊的年净发行量已经趋于平缓，现在低于比特币的1.7%和以太坊之前PoW模式的4%。随着网络的持续发展，以太坊的供应量将下降。

During the merger in September 2022, the Tai shop moved from a work certificate (PoW) to an equity certificate (PoS). There was no need to pay security costs to energy-intensive miners, strengthening its monetary policy and reducing the issuance of new coins. Under the new currency model, the annual net distribution of Tai Tai is flat, now below 1.7% of Bitcoin and 4% of the pre-Etai PoW model.

曾经受到严重拥堵的挑战，以太坊已经开发了一个扩展的解决方案--"第二层"网络，正在获得有意义的前进动力。Arbitrum和Optimism这两个流行的2层网络的交易数量，现在与以太坊的基础层相当，并且在2022年，每个网络的活跃地址数量分别增长了11倍和19倍。

Once challenged by severe congestion, Etheria has developed an expanded solution -- the "second tier" network -- and is gaining meaningful momentum. The two popular two-tier networks, Arbitrum and Optimism, are now trading at the same level as the Etheraya base, and in 2022, the number of active addresses per network increased 11-fold and 19-fold, respectively.

验证者中心化 ：由于质押者优先考虑的是便利性而不是去中心化，前三大质押服务现在大约占到了以太币总质押量的三分之二。

Certifying: now accounts for about two thirds of the total pledges in TT due to the priority given by the pledgeor to convenience rather than decentralisation.

交易审查：由于最大化奖励的财务激励开始超过审查的阻力，Flashbots和其他审查交易的服务商在新区块中的份额正在增长。

Trade Review: is increasing the share of Flushbots and other service providers reviewing transactions in new blocks as financial incentives to maximize incentives begin to exceed the resistance of the review.

在1层区块链上，分配给内部人员--创始团队、私人投资者以及私人控制的基金会和生态系统基金的代币供应比例一直在增加。自2017年以来，创始人一直在增加战利品以与孵化器竞争，而风险资本一直在积极投资于基础层协议。此外，监管方面的担忧阻碍了首次代币发行作为一种开放的分发模式。因此，新的网络不能声称他们在代币持有人的基础上充分去中心化，并可能容易受到内部人的压力。

On the first layer of the block chain, the share of money supplied to insiders - founding teams, private investors, and privately controlled foundations and ecosystem funds - has been increasing. Since 2017, the founders have been competing with incubators, while venture capital has been actively investing in ground-level agreements.

智能合约可以促进代币化资产的发起、拥有和管理，而成本仅是传统金融服务的一小部分。如果金融资产以类似于早期互联网采用的速度迁移到区块链基础设施，并且去中心化的金融服务收取传统金融服务的三分之一的费用，那么到2030年，智能合约可以产生4500亿美元的年收入，创造5.3万亿美元的市场价值。

Smart contracts can facilitate the initiation, ownership, and management of monetized assets, at a cost that is only a fraction of traditional financial services. If financial assets migrate to block-chain infrastructure at a rate similar to that used earlier on the Internet, and decentralized financial services charge one-third of traditional financial services, smart contracts can generate $450 billion in annual revenue and generate $5.3 trillion in market value by 2030.

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