????《財富》：可消費者不僅僅是需要一種選擇，對嗎？他們改變自身行為不需要什么動力嗎？

????奧萊爾：有時，大家已經可以看到有的公司這樣告訴客戶：‘如果用比特幣支付，我們會給你打折。’我們認為這種方法是可行的，因為它能帶動企業利潤增長。考慮到可以即時結算，欺詐的風險又已經降低，商家會希望推廣使用比特幣。有些推廣方式是打折，有些是贈送獎品，還有些別的方法。不管什么方法，我覺得都會起到宣傳推廣的作用。

????從消費者的立場看，除了可能帶來經濟實惠，使用比特幣還有不少最基本的好處。其中之一是讓消費者的隱私和安全都更有保障。每使用一次信用卡或者借記卡進行交易，就相當于把開啟自己銀行賬戶的鑰匙交給交易方一次。我們知道，如果這樣做，以后會產生很多盜竊和詐騙這樣的現實問題。

????《財富》：當然，用現金也是一些人特別擔心的……

????奧萊爾：沒錯，可正因為都是數字貨幣，所以我們能創造有一些吸引力的用戶體驗，使個人消費者之間以及個人消費者與商家之間實現即時無接觸支付。電子郵件誕生以前，我們可以選擇發電報和寫信進行聯絡，后來有了新的發明，出現了更好的方式，電子郵件成為人類社會不可或缺的聯系方式。我預計，十年后回首往事時，我們便會感到不可思議，詫異自己怎么還曾生活在一個收取巨額交易手續費的世界。那個世界到處都是這類信息安全的風險，我們無法借助數字技術把資金交付給世界上任何一個地方的人。

????《財富》：您會利用現有的類似Square那樣的移動支付應用嗎？

????奧萊爾：沒錯，可那樣還是存在把鑰匙交給別人的問題，而且結算耗時久，導致企業真正得到付款的時間推遲。

????《財富》：您提到了“無接觸支付”，有家名叫Clinkle的初創企業看來正在開發這類方式，他們碰巧也從吉姆?布雷耶（風投家——譯注）和Accel公司那里得到了融資。您是否和Clinkle交流過，還是說根本沒有注意到他們？

????奧萊爾：我不是特別熟悉他們的業務。

????《財富》：比特幣的價值還有很大的波動性，這種時候，像您的Circle這種公司能成功嗎？也許可以用現金做個類比，它總體上還能保持每日的交易價值。

????奧萊爾：我認為，這就是個需要解決的緊要問題。看看現在的貨幣市場，我們可以發現那里有大規模的政府與機構做市商。就交易量來說，比特幣的成交量非常低，因此波動性更高，流動性更差。可我覺得，大多數時候，這不過是一個新生市場的副產品，對大企業、甚至政府機構來說，只要參與進來，就能把握其中極大的經濟機遇。

????《財富》：我們什么時候能在實體店里看到Circle的身影？

????奧萊爾：我們還沒有宣布什么時候會推出那樣的產品。

????《財富》：您已經成功地創立了另外兩家公司，可他們都不必和政府監管打多少交道。不論是美國聯邦政府還是州政府的監管，都沒什么接觸。現在您要面對聯邦政府和州政府的雙重監管，這樣的監管是否已經讓您學到了一些東西？

????奧萊爾：絕對是這樣。我之所以要募集900萬美元的A輪融資，原因之一就是假如要成立一家受監管的金融服務業公司，就需要大量的投資，這樣才符合法律規定。我們周圍有許多優秀的外部顧問。定下首席產品官的人選之后，我們首先要聘請的重量級高管就是公司的法律顧問以及首席合規官，這個職位的管理者過去要為開展銀行業務的公開上市公司工作過幾十年。我對招聘首席合規官這件事很慎重。（財富中文網）

????譯者：若離???????

????But consumers need more than just the option, right? Don't they need incentives to change behavior?

????In some cases you're already seeing businesses say, 'If you pay with Bitcoin, we're going to give you a discount.' We think that's viable, promoting higher profit margins. Merchants are going to want to promote it because of the instant settlement and diminished fraud risks. Some of that will come via discounts or rewards or some other method, but I think they'll promote it nonetheless.

????Also, on the consumer side, there are a number of fundamental benefits beyond possible economic advantage. One is that it provides consumers with greater privacy and security. Every time you make a credit card or debit card transaction, you're effectively giving the counterparty keys to your bank account. And we know that there are real subsequent issues around identity theft and fraud.

????Of course, cash also takes care of that for those who are particularly worried...

????True, but because this is all digital we can build compelling user experiences that allow for instantaneously touchless payments, for both person-to-person payments and person-to-merchant payments. Before email we could send faxes and letters, but then something new and better came along that became indispensible to society. In 10 years I think we'll look back and say we can't believe we lived in a world with enormous transaction fees and all these security risks. That we couldn't digitally send money to anyone anywhere in the world.

????You can do some of that with existing mobile payment apps like Square, right?

????Yes, but you still have the issue of the transmission of the keys. And of long settlement times that delays when businesses can actually access the money.

????You mentioned 'touchless payments.' One startup that seems to be looking at that is Clinkle, which happens to also have raised money from Jim Breyer and Accel. Have you talked to them, or looked at it at all?

????No, I'm not too familiar with what they're doing.

????Can a company like yours be successful when Bitcoin values remain so volatile? Cash may be analog, but it generally maintains its value day-to-day.

????I think it's a very important issue that needs to get settled. When you look at the existing currency markets you see large-scale government and institutional market makers. Bitcoin is very low volume in terms of trades, and therefore has a higher degree of volatility and lower liquidity. But I think most of that is a byproduct of it being a young market, and think there are tremendous economic opportunities for large institutions, or even government players, to participate.

????When will we see Circle at the local store?

????We have not announced yet when we're going to launch the product.

????You've successfully launched two other companies, but neither had to deal much with government regulation, at either the federal or state levels. Here you've got both. Has it been an education?

????Absolutely. One of the reasons I raised $9 million in a Series A is that when you're starting a regulated financial services business, it requires a significant investment to become compliant. We've surrounded ourselves with excellent outside advisors and the first key executive hire, after our CPO, was our general counsel and chief compliance officer, who has a couple of decades working with public banking companies. I take it very seriously.