摘要：
1.去年末，赵长鹏凭借900亿美元身价冲出江湖，力压钟睒睒、李嘉诚、马化腾，不仅成了华人新首富，还登上了全球十大富豪榜。然而仅仅半年过去，随着LUNA与比特币的暴跌，赵长鹏财富暴跌至174亿美元，缩水超过80%。
1. At the end of last year, Zhao Chang Peng, with his $90 billion worth of money, was not only the new richest Chinese, but also the world’s top ten. But only six months ago, as LUNA and Bitcoin plunged, Zhao’s wealth fell to $17.4 billion, cutting it by more than 80 per cent.
2.有分析人士指出，“加密货币本质只是一种风险资产，推动力主要是货币流动性，此时全球央行都在转向紧缩，加密货币退潮已经是趋势性的，也是必然。”
According to analysts, “encrypted currencies are by nature only a risky asset, driven mainly by monetary liquidity, at a time when global central banks are turning to austerity, and the retreat of encrypt currencies has become trendy and inevitable”.
3.但相比较身价的跌宕，更令赵长鹏头疼的，仍然是币安的归宿问题。在此之前，为了寻找一个能够容得下币安的地方，赵长鹏曾先后辗转日本、英国、德国与新加坡，但都被政府所拒绝。最新的消息显示，赵长鹏开始把目光投向迪拜与越南。
However, it is still a question of the fate of Zhao Chang Ping, who has suffered more than his price. Prior to that, in order to find a place where he can accommodate his currency, Zhao Chang Peng turned back to Japan, Britain, Germany and Singapore, but was rejected by the government. According to the latest news, Zhao Chang Peng began to look towards Dubai and Viet Nam.
作者丨张勉 编辑丨陆达
Author & nbsp; & nbsp; Edit & Rhoda
2022年4月5日，福布斯发布2022全球亿万富豪榜，农夫山泉董事长钟睒睒以657亿美元排名全球第17，蝉联中国首富。紧随其后的，是世界最大加密货币交易所币安创始人赵长鹏，以身价650亿美元，排名全球第20位。
On April 5, 2022, Forbes launched the 2022 World Billion Billion Billion Bill, with the Chairman of the Feng Yuen Springs ranking 17th of the world’s wealth with $65.7 billion, followed by the founder of the world’s largest encrypted currency exchange, Zhao Chang Peng, at a price of $65 billion, ranked 20th in the world.
这早已不是二人第一次“携手”出现在福布斯榜单上——去年年底，凭借加密货币普涨，赵长鹏曾以近960亿美元（当时约6100亿元人民币）身家超越钟睒睒的4244亿元人民币，成功登顶华人首富的位置。
This is not the first time that two people “co-operated” on the Forbes list — at the end of last year, with a boom in encrypted currency, Zhao Chang Peng succeeded in gaining top Chinese wealth with close to $96 billion (at that time about $610 billion) in excess of $424.4 billion.
有趣的是，钟睒睒从1993年开始创业，至今已过去29年的时间，而赵长鹏从普通码农到亿万富翁，再到成为数字货币领域的佼佼者，满打满算加在一起的时间，只有5年。
Interestingly, it has been 29 years since Jong-hoon started his business in 1993, and only five years have passed since Zhao Chang Poon moved from normal farmers to billionaires and became a champion in the digital currency field.
然而这并不妨碍网友对他们提出一个共同的问题——
But that doesn't prevent them from asking them a common question.
这两个甚少听闻的人，怎么就突然成为了首富？
Why are these two people suddenly rich when they don't hear much?
1
结缘加密货币
Linked Encryption Currency
1977年，赵长鹏出生于中国江苏连云港(601008)，父亲本是中国科技大学教授，被打成“走资派”后下放到农村，1987年，父亲远赴加拿大读博，两年后，12岁的赵长鹏跟着母亲，在加拿大驻北京领事馆前排了整整36个小时的队，终于拿到了签证，一家人得以飞往加国团聚。
In 1977, Zhao Jianjun was born in Kansu, China ( (601008), the father was `a href=http://hkquate.stock.hexun.com/urkstock/hkstock> ( (blank' > 601008 大学时期，赵长鹏就读于蒙特利尔的麦吉尔大学，学习计算机科学。有报道称，当时赵长鹏一家生活的并不富裕，从十几岁时候开始，赵长鹏就承担起了家庭开支，他在麦当劳当过店员，也曾在加油站打工。
During college, Zhao Chang Peng studied computer science at McGill University in Montreal. It was reported that at that time the family was not well-off and that, since its teens, Zhao Chang Peng had taken on family expenses. He worked as a shopkeeper at McDonald’s and worked at a gas station. 1997年，大学毕业的赵长鹏进入金融科技行业，先是成为东京证券交易所的软件开发师，之后又前往纽约为Bloomberg（彭博，全球最大的财经资讯公司）工作，参与开发期货交易软件。在不到2年时间里经历了3次晋升，27岁时，被称为编程奇才的赵长鹏，成了该公司新泽西、伦敦和东京的团队领导。
In 1997, Zhao Chang Peng, who graduated from university, entered the financial science and technology industry, first became a software developer at the Tokyo Stock Exchange, then went to New York to work for Bloomberg, the world's largest financial and information company, and to participate in the development of . 生于中国，在加拿大读书，又先后在东京、纽约工作，这种多元的跨国成长经历，让赵长鹏注意到一件事情——跨国汇款不仅非常麻烦，而且手续费也非常昂贵。
Born in China, studying in Canada and working in Tokyo and New York, the multifaceted experience of transnational growth has brought Zhao Chang Peng to the attention of one thing — cross-country remittances are not only very cumbersome but also very expensive. 这一点，或许为以后他被比特币“去中心化”的魅力所吸引，奠定了一定的基础。
This, perhaps, provides a basis for his subsequent attraction to the “decentralization” of Bitcoin. 2005年，赵长鹏辞职回国产业，在上海创立了富讯信息技术有限公司，专为券商开发速度最快的高频交易系统。2013年，赵长鹏从一名扑克牌友、也是风险投资人那里了解到比特币。在当时，越来越多跨国公司承认它作为一种货币，比特币的价格也水涨船高，2013年12月1日，比特币更是暴涨到了1150美元一枚。
In 2005, Zhao Chang Peng resigned from the industry and created the fastest-growing high-frequency trading system in Shanghai for . In 2013, Zhao Chang Ping learned of Bitcoin from a poker-card friend who was also a venture investor. 随后，赵长鹏开始涉足加密货币项目，以第三位创始员工的身份加入Blockchain.info（在线钱包服务商），在那里工作了8个月。期间，在拉斯维加斯举行的一次有关加密货币的小型会议上，一位Ripple的代表教赵长鹏如何使用其代币，并转移了一些币（价值约300美元）到赵长鹏的钱包里，并对他说：“您可以保留它，也可以用它来教下一个人。”
As a result, Zhao Chang Peng began to engage in the encrypt currency project and joined Blockchain.info (the online wallet service provider) as the third founding employee, where he worked for eight months. During a small conference on encrypting money in Las Vegas, a Ripple representative taught Zhao Chang Peng how to use his tokens and transferred some of the currency (valued about $300) to Zhao Chang Ping's wallet and said, “You can keep it, or you can use it to teach the next person.” 这让赵长鹏坚定了加密货币会成功的信心。
This gives Zhao Chang Peng confidence that the encrypt currency will succeed. 2014年，赵长鹏卖掉了自己在上海的房子，全部“梭哈”比特币，据悉，当时赵长鹏除了手机以外周身再无其他资产，因此他也被其它加密货币的爱好者认为是第一位以加密货币作为其99%资产的人。
In 2014, Zhao Chang Peng sold his house in Shanghai, all of which was “Soha” bitcoin, and was known to have no assets other than his cell phone, so he was also considered the first person to use an encrypted currency as his 99 per cent asset. 不到一年时间，上海房价翻了一倍，比特币却迎来大跌，但赵长鹏没有受到太大影响，在当年3月份杭州的一个论坛上，赵长鹏认识了国内比特币交易所OKCoin创始人徐明星。3个月后，赵长鹏成为了OKCoin的技术总监，负责公司的国际化事务。
In less than a year, Shanghai’s house prices doubled, and Bitcoin fell, but Zhao Chang Peng did not suffer much. At a forum in Hangzhou in March that year, Zhao Chang Peng met the founder of the country’s Bitcoin Exchange, OkCoin, Xu Star. Three months later, Zhao Chang Peng became the technical director of OK Coin, responsible for the internationalization of the company. 彼时，OKcoin、比特币中国、火币网在国内三足鼎立的局面已经形成。然而，赵长鹏在OKCoin只待了一年时间就选择了离开，他还发表声明称，OKCoin不遵守协议，而且拒绝支付他的薪水、伪造合同、有上千机器人(300024)、员工炒币等问题。OKCoin则反击赵长鹏存在多次欺骗行为，伪造合同、简历造假、对公司毫无贡献，不能胜任CTO等问题，最后对赵长鹏进行开除处理。
At the same time, the situation between OKcoin, Bitcoin China, and the Fire Currency Network has developed in the country. However, Zhao Changpon chose to leave after only one year in the OKCoin, and made a statement that he did not comply with the agreement and refused to pay his salary, forge contracts, have thousands (300024) and employee snobbery. 从今天来看，这场“撕逼”的真伪已经不再重要，因为毫无疑问，正是OKCoin亲手放出了自己最大的敌人。
From today's point of view, the truth of this “crushing” is no longer relevant, for there is no doubt that it is OKCoin who personally released his own greatest enemy. 离开OK Coin之后，赵长鹏先是创办了比捷科技，专门负责为钱币、邮票、电话卡等收藏品提供交易系统。虽然这家公司做得风声水起，但是他内心里，依然想要有一家属于自己的交易所。
After leaving OK Coin, Zhao Chang Peng first created the Beije technology, which is dedicated to providing a trading system for collectors such as coins, stamps, telephone cards, etc. Although this company has done well, he still wants to have an exchange of his own. 2017年6月，赵长鹏创立币安，并且推出了自己的区块链货币——币安币（BNB）。BNB总量2亿，其中1亿用于ICO（首次币发行），8000万由团队持有，持有的BNB会锁仓，逐年释放，最后的2000万由天使投资人持有。
In June 2017, Zhao Chang Peng created the currency and launched his own block-chain currency, BNB. The BNB totals 200 million, of which 100 million are for ICO (first issue), 80 million are held by teams, the BNB is locked, released every year, and the last 20 million are held by angel investors. 不到10天时间，BNB的ICO为币安融资1500万美元。紧接着，币安网站上线，主打币币交易，面向全球市场；同一时间，BNB也上线交易。
In less than 10 days, BNB's ICO finances $15 million for currency security. Next, the money security website, the main money-trading, is oriented towards the global market; at the same time, the BNB is also online. 与此同时，赵长鹏还挖来了曾经在OKCoin的同事，人称“币圈一姐”的何一，后者加盟币安后，成为币安的联合创始人和首席市场官。
At the same time, Zhao Chang Peng dug up what was once known as “a sister of the currency ring”, who became a co-founder and chief market officer of the currency, after joining the union. 2
一举长成巨头
币安成立后的第一次考验，来自于不断收束的监管压力。
The first test after the establishment of the currency came from the constant pressure of regulation. 2017年9月4日，中国央行等七部委联合发布公告，全面叫停ICO，禁止法币与数字货币的直接交易，业内称之为“9.4禁令”。
On 4 September 2017, the Central Bank of China and seven other ministries issued a joint announcement calling a total stop to the ICO, prohibiting direct transactions between French and digital currencies, which is known in industry as the “9.4 Ban”. 公告里专门指出，境外虚拟货币交易所通过互联网向我国境内居民提供服务同样属于非法金融活动，矛头直指币安。
The bulletin specifically states that the services provided by the offshore virtual currency exchange to the inhabitants of the country through the Internet are also illegal financial activities and are directed towards currency security. 不过，得益于成立之初就面向全球市场布局，包括服务器也都设在了海外，因此，在此轮监管风暴里，火币与OKCoin、比特币中国遭遇冲击较大，而币安受到影响最小。此后，它宣布退出中国大陆市场，并顺势吸收了来自前者的大量用户。
However, thanks to the fact that global market layouts, including servers, were located abroad at the time of its inception, during this round of regulatory storms, the coins and OKCoin and Bitcoin China were hit more severely, and the currency was least affected. Since then, it has announced its exit from mainland China, absorbing a large number of users from the former. 紧接着，2017年9月到12月，比特币价格迎来了飙涨，从3000美元涨到了20000美元，人们开始争先恐后的想要进入加密货币交易所。币安也因此迎来了用户量的激增。
Immediately thereafter, between September and December 2017, bitcoin prices surged, rising from $3,000 to $20,000, and people began to struggle to enter an encrypted currency exchange. As a result, currency security also surged in the number of users. 最高峰期时，全球所有的交易所和加密货币的日交易量达到600亿美元，币安一家就占了六分之一。
At the peak of the period, all global exchanges and encrypted currencies accounted for one sixth of the $60 billion in daily transactions. 根据公开资料，币安在推出42天后就达到了交易量排名前10位，92天后达到前5，156天后达到前3，并在165天后达到了第1。
According to public information, the currency reached its top 10 trading ranking 42 days after its introduction, the top 3 after 92 days after 5,156 days, and the top 1 after 165 days. 2018年1月10日，币安宣布其全球注册用户超过500万人，跃升为世界最大的交易所之一。紧接着的2018年2月，福布斯杂志首次公布世界数字货币富豪榜，瑞波CEO、Coinbase创始人、以太坊创始人等在列。赵长鹏也以11-20亿美元的身家位列福布斯数字货币富豪榜第三，并登上福布斯杂志封面。
In February 2018, for the first time, the Forbes magazine published the world’s digital money-rich list, with Ripo, Coinbase, the founder of the Etheria, among others. Zhao Chang Ping also ranked third among the world’s largest digital-currency-rich in Forbes, with $1.120 billion. 2018一季度，币安盈利2亿美元，超过德意志银行，此时距其成立仅6个多月。更有数据显示，币安日交易额最高时甚至高达760亿美元，约等于5000亿元人民币，相当于伦敦证交所、纽约证交所、香港交易所三者之和。
In the first quarter of 2018, the currency earned $200 million, exceeding the Deutsche Bank, just over six months after its establishment. More than data show that the amount of the currency's daily transactions was even as high as $76 billion when it peaked, amounted to RMB 500 billion, equivalent to the sum of Hong Kong Exchange . 这一成就震惊区块链行业。坊间也因此有了“玩币归赵”的说法——由于币安的盈利模式主要是平台交易和提现收取的手续费，因此，无论用户玩哪个币，也无论币涨或跌，最终挣的钱里，都有赵长鹏一份。
This was a shock to the block chain industry. This led to the idea of “playing the money back to Zhao” — because the profit model of the currency is mainly platform transactions and fee collection, so that whatever currency users play, and whether the currency rises or falls, there is eventually a share of the money that Zhao Changping earns. 币安的成功，有时运所致，也有一定的必然——与其他加密货币相比，币安主打的是聚合全球优质的区块链资产，并不只拘泥于比特币、以太币等成熟货币的交易，而是广泛融入大量新兴货币。这就使得平台的用户面被进一步拓宽，无论是专业的炒币玩家，还是被加密货币吸引而来的普通人，都可以通过币安进入市场。
The success of currency security, sometimes as a result of transportation, is certain – compared to other encoded currencies – in order to consolidate global good-quality block chain assets, not merely to deal in mature currencies such as bitcoins, tasers, etc., but to integrate widely into a large number of emerging currencies. This further widens the platform’s user profile, both as professional currency players and as ordinary people attracted by encrypted money, can enter the market through currency. 目前，币安并未上市，也没有直接披露公司利润。不过，从币安在2021年10月18日宣布当年第三季度销毁了价值6.4亿美元、接近134万枚BNB(此前币安白皮书曾规定将每季度利润的20%用于回购BNB，后改为销毁）来看，其第三季度利润约为32亿美元，折合203亿人民币，与A股机械龙头三一重工(600031)2022年一季度的营业总收入相当。
At present, the currency is not on the market, nor does it directly disclose company profits. However, from its announcement on 18 October 2021 that 640 million dollars worth of BNB were destroyed in the third quarter of the year, close to 1.34 million BNBs were destroyed (previously 20 per cent of their quarterly profits had been repurchased for BNB, after being destroyed) the profits in the third quarter were approximately $3.2 billion, equivalent to RMB 20.3 billion, with A's head of machinery 3 1 heavy worker ( 2022 Qi. 币安大获成功之下，赵长鹏俨然成为了一个风向标——2022年3月，身在越南的赵长鹏发了一条推特，说他爱Pho（越南语中指河粉），而这则小小的推文，让已经快要归零的虚拟货币PHO迎来大涨，半天之内，其价格就从0.018美元最高涨至0.065美元，涨幅达360%。赵长鹏的引领力可见一斑。
With the success of the currency, Zhao Chang Xiao became a wind sign — in March 2022, in Viet Nam, Zhao Chang Peng sent a tweet saying that he loved Pho, a small tweet that raised PHO, a virtual currency that was close to zero, from US$ 0.018 to US$0.065 in a half-day period, a 36% increase. Zhao Chang Ping’s gravitational power is visible. 3
全都是泡沫？
all foams? 不过，赵长鹏一路走来，辉煌之余，也不乏争议傍身。
However, Zhao Chang Peng has come all the way, but not without his great brilliance. 过去几年，币安出现多起被称为“割韭菜”的事件，包括受害者倒欠币安钱的穿仓事件、私吞国外用户107个比特币、币安智能链多个项目跑路、合约市场拔网线恶意爆仓等，均引起了不小的声势。在中文互联网上，一名叫“顾峻诚”的网友，还在其微博发文《2021年我在币安被割35万美金的经历 一位亲历者口述》，怒斥币安割韭菜的行径。
In the past few years, several incidents known as “cooking vegetables” have taken place in the currency, including the fact that the victims have fallen into debt for money, the misappropriation of 107 bitcoins from foreign users, the running of multiple projects in the currency’s smart chain, and the malicious explosion of the net in the contract market. On the Chinese Internet, an online friend called “Gossip Girl” and in his tweet, “My experience of being cut by 350,000 dollars in 2021,” a protégation by a protégé, angered by the currency’s practice of cutting vegetables. 但更为严峻的问题在于监管。
But the more serious problem is regulation. 事实上，合规问题是自加密世界诞生以来一直悬在头顶的达摩克利斯之剑。作为领军者的币安，此前更是陆续遭到来自英国、德国、日本、新加坡等国金融监管机构的警告。
In fact, compliance is the sword of Damocles, which has been hanging at the top since the world of encryption was born. As a leader, currency security has been warned by financial regulators from countries such as the United Kingdom, Germany, Japan, and Singapore. 去年5月，外媒报道币安面临美国司法部和国税局的调查。英国金融行为监管局明确表示，对币安的反洗钱标准感到担忧，并称币安没有设立总部是个“大问题”。日本、加拿大和意大利的监管机构也对该公司进行关注，警告称该公司没有获得在这些国家开展业务的授权。
In May last year, the foreign media reported that currency security faced investigations by the United States Department of Justice and the IRS. The British Financial Services Regulatory Authority (FCB) made it clear that it was concerned about money security's anti-money-laundering standards and called the failure to establish its headquarters a “big problem.” The regulators in Japan, Canada and Italy also expressed concern about the company, warning that it was not authorized to operate in those countries. 但选择不设立总部的币安，恰恰是出于为了躲避监管的原因。时至今日，币安运营主体注册地、办公地以及业务开展区域依旧经常更换，并且频繁变更网站域名和服务器地址，表面上是在践行“去中心化”的标准，但在各个政府看来，这显然是一个“危险因素”。
But the reason for choosing not to have a headquarters is precisely to avoid supervision. To date, the currency operators’ place of registration, office space, and area of operations continue to change frequently, and website domain names and server addresses are often changed, ostensibly to “decentralize” standards, but this is clearly a “dangerous factor” in the view of each government. 此外，赵长鹏也在近期迎来了一轮新的大考。
In addition, Zhao Chang Peng has recently embarked on a new round of examinations. 就在福布斯2022全球亿万富豪榜发布的次月，有着“币圈茅台(600519)”之称的LUNA币价格在不到一星期的时间里从将近一百美元跌至小数点后四位，近乎“归零”，而曾经持仓市值高达13亿美元的赵长鹏也发文表示，自己的持仓只剩0.2万美元。
Just the month after the launch of the World Billion Billion Billion Billion Billion Billion Bill, in Forbes, the LUNA currency price, known as “The Currency Circle puppie (600519), fell from nearly $100 to four places behind the decimal in less than a week, close to zero, while Zhao Changjun, who once held a warehouse with a market value of up to $1.3 billion, also wrote that he had only $0.02 million left. LUNA币带动了加密货币的普跌，后续，随着美联储加息消息传出至最终正式宣布加息75个基点，大量加密货币被抽水回流，在原先的基础上又形成新一轮暴跌，贵为“一哥”的比特币也未能扛住——6月14日，比特币价格暴跌30%，单枚价格不足21000美元，与2021年11月，比特币创造的历史新高69000美元相比，超跌69.3%以上。
The LUNA currency triggered the fall in the encoded currency, followed by a large volume of the encrypted currency that was pumped back into the flow of water as news of the Fed's interest increase reached the 75 basis points that were eventually officially announced, and a new drop was made on the previous basis, as did the “one-man” Bitcoin, whose price fell by 30 per cent on 14 June, at less than $21,000 per unit, which was more than 69.3 per cent higher than the historicly high of $69,000 in November 2021, created by Bitcoin. 截至6月26日，在福布斯全球实时富豪榜中，赵长鹏的财富暴跌至174亿美元，缩水超过80%，排名也跌到了94位——这无疑最生动地诠释了加密货币市场收益的不确定性。
As of 26 June, in the Forbes real-time world billion list, Zhao's wealth shrunk to $17.4 billion, shrunk to over 80 per cent and fell to 94 places — undoubtedly the most vivid interpretation of uncertainty about the benefits of an encrypted currency market. 有分析人士指出，“加密货币本质只是一种风险资产，推动力主要是货币流动性，此时全球央行都在转向紧缩，加密货币退潮已经是趋势性的，也是必然。”
It has been pointed out by analysts that “encrypted currencies are by nature only a risky asset, driven mainly by monetary liquidity, at a time when global central banks are turning to austerity, and the retreat of encrypt currencies has become trendy and inevitable”. 但相比较身价的跌宕，更令赵长鹏头疼的，仍然是币安的归宿问题。
However, it is still a question of the fate of the currency that makes it worse than the fall in prices. 在此之前，为了寻找一个能够容得下币安的地方，赵长鹏曾先后辗转日本、英国、德国与新加坡，但都被政府所拒绝。最新的消息显示，赵长鹏开始把目光投向迪拜与越南。根据此前报道，币安已获准在迪拜开展一些业务，并在迪拜的世贸中心建立了一个区块链技术中心，而赵长鹏也在迪拜购置了一套公寓。
According to previous reports, Yuan had been allowed to operate in Dubai and set up a block chain technology centre at the World Trade Center in Dubai, while Zhao had purchased an apartment in Dubai. 2022年6月3日，赵长鹏现身越南，参加2022年越南NFT峰会。在这场活动上他也表示，期待在越南开启新业务。
On 3 June 2022, Zhao Chang Peng appeared in Viet Nam to attend the 2022 Vietnam NFT summit. At this event, he also stated that he looked forward to opening a new business in Viet Nam. 资料显示，越南是最早拥有合法区块链协会的国家之一。目前，越南一些省份已经在许多领域应用了区块链。例如，胡志明市在能源、交通和城市发展领域使用区块链；岘港被应用于实施数字化转型解决方案，建设智慧城市等。
Information shows that Viet Nam was one of the first countries to have a legal block chain. At present, several provinces in Viet Nam have applied block chains in many areas. For example, Ho Chi Minh City uses block chains in the fields of energy, transport and urban development. 不过，这并不代表越南就能成为币安的避风港，随着全球央行和政府机构不断加大虚拟货币监管力度，这里能容得下币安多久，尚未可知。
However, this does not mean that Viet Nam can become a currency safe haven, and as the global central bank and government agencies continue to strengthen virtual currency regulation, it is not known how long it will last. 联系我们
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