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尽管比特币通常被认为是一种新的货币形式，但不仅仅如此，它还是是一个多层次的金融生态系统，拥有自己的货币体系，而且独立于当今现有的金融和货币体系。
Can central bank digital currencies replace deposits? Such gains are a major concern in all countries and remain the riskiest risk for digital bank accounts.
