我们提出了一种数字货币方法，该方法将允许没有银行业务关系的人进行电子和私人交易，包括互联网交易和无现金交易的销售点交易。我们的提案引入了由政府支持的私有数字货币基础架构，以确保每笔交易都由银行或货币服务公司进行注册，并且依赖于由非隐私钱包提供的隐私增强技术（例如零知识证明）确保不披露交易对手。我们还提出了一种数字货币方法，该方法将使系统风险的清算，结算和管理更加有效和透明。我们认为我们的系统可以保留现金的重要特征，包括隐私，所有者保管，可替代性和可及性，同时还保留了部分储备银行和现有的两层银行系统。我们还表明，有可能引入涉及非托管钱包的数字货币交易监管，同时仍然允许非托管钱包保护最终用户的隐私。
原文标题：A Digital Currency Architecture for Privacy and Owner-Custodianship
原文：We propose an approach to digital currency that would allow people without banking relationships to transact electronically and privately, including both internet purchases and point-of-sale purchases that are required to be cashless. Our proposal introduces a government-backed, privately-operated digital currency infrastructure to ensure that every transaction is registered by a bank or money services business, and it relies upon non-custodial wallets backed by privacy-enhancing technology such as zero-knowledge proofs to ensure that transaction counterparties are not revealed. We also propose an approach to digital currency that would allow for more efficient and transparent clearing, settlement, and management of systemic risk. We argue that our system can preserve the salient features of cash, including privacy, owner-custodianship, fungibility, and accessibility, while also preserving fractional reserve banking and the existing two-tiered banking system. We also show that it is possible to introduce regulation of digital currency transactions involving non-custodial wallets while still allowing non-custodial wallets that protect the privacy of end-users.
