需警惕的是，加密货币并非 "稳赚不赔的投资"。其价格受市场情绪影响极大，缺乏实际价值支撑，且可 能被用于非法交易。更重要的是，它无法像法定货币那样履行计价尺度和经济调节职能，本质是高风险 的数字资产而非货币。 从技术创新角度看，加密货币背后的密码学成果值得研究，但作为普通公众，认清其资产属性与监管边 界，远比追逐短期收益更为重要。 目前主流加密货币可分为三类：以比特币为代表的原生加密货币，总量由算法固定（比特币总量 2100 万 枚），靠 "挖矿" 逐步产出，因去中心化和稀缺性被部分人视为 "数字黄金"；以 USDT、USDC 为代表的 稳定币，宣称 1:1 锚定法定货币并持有储备资产，价格波动远小于比特币，成为加密货币交易的 "中转 站"；还有以太坊等支持智能合约的平台型代币，可搭建去中心化金融应用。 全球对加密货币的监管已从模糊转向规范。欧盟《MiCA 法案》将其分类监管，要求稳定币发行商持有 100% 储备资产，且仅欧元稳定币可用于日常支付；美国通过《GENIUS 法案》将稳定币纳入联邦监管， 并建立比特币战略储备；中国则明确禁止代币发行融资和交易炒作。各国共识是紧盯反洗钱红线，要求 服务商履行客户尽职 ...

Core Viewpoint - The 27th "L'Oréal-UNESCO For Women in Science Awards" recognized five scientists for their groundbreaking research in natural sciences, mathematics, and computer science, with Chinese Academy of Sciences academician Wang Xiaoyun being one of the awardees, marking her as the ninth Chinese scientist to receive this honor [3][6]. Group 1: Achievements in Cryptography - Wang Xiaoyun's significant contributions to cryptography include revealing fundamental vulnerabilities in widely used hash functions, which has led to the establishment of new generation hash function standards widely applied in banking, computer security, and e-commerce [3][5]. - Her research on cryptographic algorithms, particularly the attacks on MD5 and SHA-1, has had a profound impact on global cryptography standards, prompting the development of new secure algorithms [4][5]. Group 2: Commitment to National Interests - Wang Xiaoyun emphasizes that her work in cryptography serves national interests, prioritizing the development of domestic cryptographic standards over participating in international design efforts [5]. - She played a crucial role in designing the SM3 hash function standard, which has been widely adopted in critical sectors such as finance and national security [5]. Group 3: Advocacy for Women in Science - The award aims to bridge the gender gap in science and enhance the visibility and influence of female researchers, with Wang Xiaoyun advocating for a supportive environment for young female scientists [6][8]. - The recognition of female scientists, including Wang Xiaoyun, reflects the growing strength of women in research, with nine Chinese female scientists having received this award to date [7][8].