reference:
https://baijiahao.baidu.com/s?id=1637182596912694597&wfr=spider&for=pc
https://blog.csdn.net/yeasy/article/details/92817229
https://blog.csdn.net/IJXR1A64JI53L/article/details/93142830
https://blog.csdn.net/BEYONDMA/article/details/93300777
https://blog.csdn.net/zajin/article/details/92830969
https://blog.csdn.net/Yt7589/article/details/93224541
Zero, Preface
As early as last year rumors facebook will release GlobalCoin (global currency), until June 18 this year, Facebook released Libra white paper (attached to the end the Chinese version download) we convinced Nongmeitaiyan Zuckerberg really want to play with coins. There is news of a panic, there's excitement, there's calm, and two weeks later we now look back to see what Libra in the end yes.
First, from the source
Nongmeitaiyan Facebook send money appears to be very sudden, it does not make sense, in fact, already inklings, its most direct reason is that Europe and the United States of personal information leaks began to strictly control. Facebook is nothing less than a strong technical strength, but its profit mode that white is the "trafficking of personal information", billions of users free access to Facebook, but also generated a lot of use of personal information, Facebook excavation depth information on these results users of consumer portrait, finally tossing so much doing it? Of course sellers ah, advertisers using the data provided by Facebook to push products directly to potential customers, Facebook also rely on this "wool out in pigs" model to earn tens of billions of dollars each year. Think back to China so-called "Internet model" There is no feeling or a familiar recipe?
But in recent years the Internet from time to time broke the circle of personal information leaked news brought great pressure of public opinion to the regulatory bodies, regulatory response is very direct: "limit" secondary use of personal information, the data on the server Biography it does not come out properly properly Well, Zuckerberg in 2018 in the US Congress for up to five hours of hearings is to tighten the regulatory side reactions. Facebook revenue diminished but its profit model has been the most fundamental shake, ship does not turn around, how to find new profit model from billions of Facebook users who do? Send money to subvert the existing financial system, Libra ready to come out.
Second, the anchor of the multi-currency stable currency
The same is money, where the difference between Libra and other leeks currency in it? White Paper can learn from Libra, Libra is based on a stable currency block chain technology, meaning a stable currency that is issued every one dollar Libra will reserve one US dollar as the basis for ensuring that users can redeem at any time (the year of $ analogy anchor gold ), this feature can make it stable exchange rate stability. But stable currency is not the original, the difference between Libra and other stores where is it?
Third, the membership node
Libra based block chain technology but not everyone can send coins, Facebook initially looking for 28 partners (target is 100) involved in entertainment, tourism, electricity providers, payment institutions, etc. as "nodes", to apply for node needs $ 10 million in contributions, the same node if you want to send money to other needs cash reserves. Membership has the advantage of Libra, when issued, giant walks of life have been deeply involved. Members nodes encompassing basic necessities Facebook combined large user base, it is conceivable Libra as a token can quickly spread. But even billions of people use Libra, Facebook, and how profitable it Member, infrastructure costs and let who will share?
Fourth, the profit point block chain currency
银联系统都是针对商家收费，所以大家都感觉不到基于银行金融系统的运作成本其实是非常高，比如说：使用银联每支付1000元，银联就要收取商家0.7到3.5元作为手续费。除了高昂的手续费，银行间转账、跨行清算、换汇、消费等等运作成本也都非常高，原因很简单：各银行系统都是独立的，涉及到钱的事情又是非常敏感的，即使一毛钱不对数几百人加班加点也要整明白（因为各种原因导致不对数的事情是经常发生的）。除了人力消耗大，银行基础设施成本也非常高，各银行各分行都需要有完全独立的、完整的信息系统，买服务器要钱、开发软件要钱、维护要钱、带宽都要钱，银行体系有形无形的各种成本传导到终端商家的费用就非常可观了。说完银行的问题，再说区块链货币解决了什么问题。
使用Libra作为支付手段，首先省去的就是每笔消费的抽成，这也是为什么各行巨头都愿意使用Libra。但是会员需要承担基础设施的成本，据说Libra将会鼓励个人建立子节点（只负责同步数据不能发币），解决主节点到用户数据同步延迟问题，这将大大降低各主节点的建设费用。另外区块链分布式存储特性天然地不要求各节点具备多强的技术能力，而中心化的银行对信息系统要求极高。
其次清算变得简单，银行间清算最大的问题就是各系统相互独立，系统间数据总会因为人为或设备故障导致异常。区块链技术从根源上解决了清算难题，首先所有客户和节点都处于同一系统使用一套交互语言，不存在点与点的沟通问题，不存在国与国跨境问题。其次每一笔交易都记录在系统中所有节点中，不存在做伪的可能，这也是银行等金融机构也在大力研究区块链技术的原因。
使用区块链货币解决的最大问题其实就是Facebook现在面临的最大危机“信息的二次利用”，你不让我卖数据给商家，好吧，我让商家也参与到整个体系，所有数据大家一人一份。消费者使用Libra支付也就默认接受了数据多节点存储，从根本上解决了商业模式的危机，从这个角度来看扎克伯格这一手以退为进不可谓不高明。
五、总结
Libra仅作为代币就已经凸显出了强大的优势，如果再进一步使兑换与法币脱钩，Facebook及其会员仅依靠信用就可以发行Libra则现存的整个金融体系都将被颠覆。不懂区块链如何看懂未来？所以我们准备了一些入门资料供大家下载，关注公众号“程序员防脱发中心”回复“Libra”获取下载链接。资料包括：
1、libra白皮书中译版
2、libra开发指南
3、一文读懂区块链
