回复：兑换方案
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Published on GitHub in February 2024 as part of Martti Malmi's testimony in the COPA v. Wright trial
也许目前购买 LR 的难度已经是这个方向上所能达到的便利极限。
每一种传统支付方式都依靠可撤销性来应对其缺少密码和密码学保护的问题。这个系统对复制明文信用卡号和账号完全不设防，而它们的处理方式是在事后撤销交易。这套系统适用于必须送到某个地点的实物商品，也适用于无法转售的服务。当它与贵金属和货币兑换发生衔接时，就会出现问题。
第一步是让一个方向上的兑换变得容易，即 bitcoin->LR 或换成任何具有公认价值的东西，这会带来很大帮助。即使是不使用兑换的人，也会因为知道自己可以兑换而受益。交易比特币会成为一种更容易交易 LR 索取权的方式，就像纸币曾经代表索取黄金的权利一样。没有人必须真的去索取 LR；只要拥有想这么做时便可以这么做的选择，就能从中受益。
很多时候，你只需要极少量的在线货币。为了购买少量货币而去买其他在线货币，实在太麻烦。少量比特币很容易获得，这可能有助于启动一个由微支付规模的在线商品卖家组成、面向这一市场的生态系统。如果卖家能用比特币换到 LR，他们就会满意，而在最初阶段，这或许会由想要大批量购买 bc 的投资者提供补贴。
阻碍在线货币发展的主要因素，是缺少一种轻松获得少量货币的方法。比特币打开了这条路。它将成为唯一一种既容易兑现，又容易少量获取的在线货币。只有购买大量货币时，才会像往常一样比较困难。
Liberty Reserve 听起来不错。我可以先做一个只接受 LR 的服务，以后再添加更多方案。缺点是，当顾客只是想获得比特币时，购买 LR 会额外增加一道麻烦。但也许我在这里没有太多选择。
你所在的国家有电子转账或纸质支票吗？（即使只能在欧洲境内使用也行。）
有，电子银行转账可以使用。在 2010 年期间，大多数欧洲国家都将成为 SEPA（单一欧元支付区）的一部分，这意味着欧洲境内的所有付款都将被视为国内付款。银行必须对所有国内转账采用相同的费用和标准，所以这些转账很可能都会免费，并在一个银行工作日内完成。国际转账则有 SWIFT/IBAN 系统，通常会产生一些额外费用。
对我的兑换服务来说，一个较长期的项目是了解银行能提供哪些集成方案。银行转账能覆盖的顾客几乎和信用卡一样多。
英文原文
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Maybe the current difficulty of buying LR is already the limit of how easy it can get in that direction.
Every conventional payment method has refutability as their way to cope with their lack of passwords and crypto. The system is wide open to copying plaintext credit card numbers and account numbers, and they deal with it by reversing the transaction after the fact. The system works for physical goods that have to be delivered somewhere, and services which can't be resold. It's a problem when it interfaces with precious metals and currency conversion.
The first step of being easy in one direction, bitcoin->LR or anything of established value, goes a long way. Even those who don't use the conversion still benefit from knowing that they could. Trading bitcoin becomes an easier way to trade the ability to claim LR, similar to how paper money was once the right to claim gold. Nobody has to ever actually claim the LR to get the benefit of having the option that they could if they wanted to.
A lot of times you just need a minuscule amount of online currency. The hassle of buying the other online currencies is too much for buying a small amount. The ease of getting a small amount of bitcoin may help bootstrap an ecosystem of sellers of micropayment sized online goods selling to that market. If the sellers can get LR for bitcoins, they're happy, and that may be subsidized at first by investors who want to buy bc in large lots.
The main thing holding online currencies back is the lack of an easy way to get a small amount of currency. Bitcoin opens that up. It'll be the only online currency that's both easy to cash out and easy to get a small amount. It'll just be the usual harder difficulty to buy a large amount.
Liberty Reserve sounds good. I could first make a service that only accepts LR, and add more options later. The weakness is that buying LR is an extra step of inconvenience when the customer just wants to get Bitcoins. But maybe I don't have too much choice here.
Do you have electronic transfer or paper cheque in your country? (even if only within Europe)
Yes, electronic bank transfer is available. During 2010 most European countries will become a part of SEPA (Single Euro Payments Area), which means that all payments within Europe are to be considered domestic. Banks will have to apply the same fees and standards to all domestic transfers, so they'll probably all be free of charge and complete in one bank day. For international transfers there's the SWIFT/IBAN system, which usually costs some extra.
A longer term project for my exchange service would be to see what kinds of integration options the banks have to offer. Bank transfers would reach nearly as many customers as credit cards do.