中本聪就托管交易和不可逆性回复 Mike Hearn（2009 年 4 月 27 日）
首次公开证据
打开首次公开证据我不是律师，不可能回答这个问题。我想，如果法律适用于银行或金融机构或其他中介，那么这里应该不适用，因为没有银行参与，只有两方直接相互交易，就像他们当面用现金交易，或用实物商品进行物物交换一样。
比特币从根本上就是为能够进行不可逆交易而设计的，而且确实存在需要这种交易的应用场景。
如果有人希望拥有退款撤销的可能性，他们可以使用托管交易。这项功能尚未实现，但会是接下来要做的事情之一。例如，可以编写一笔交易，指定由第三方决定：如果付款方不释放资金，是否将其退回，并在若干天后自动释放。我会先实现一种更基本的托管形式，但网络基础设施包含一种谓词语言，可以表达任意数量的选项。
英文原文
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I am not a lawyer and I can't possibly answer that. I suppose if the law applies to a bank or financial institution or other intermediary, then it would not apply since there is no bank involved, only two parties trading directly with each other, as they would in person with cash or barter with physical commodities.
Bitcoin is fundamentally designed to be able to do non-reversible transactions, and there certainly are applications that need that.
If someone wants the possibility of chargeback, they can use an escrow transaction, which isn't implemented yet but will be one of the next things. For instance, a transaction can be written to designate a third party to decide whether it is returned if the payer does not release it, with auto-release after a number of days. I'll implement a more basic form of escrow first, but the network infrastructure includes a predicate language that can express any number of options.