C2C，点对点，比特币又能用人民币买了？

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根据公告，其C2C交易平台的用户有两种角色：用户和商家。用户定义为投资数字资产的人，其目的是在不同的价格买入或卖出数字资产；商家定义为随时愿意和用户做交易对手，可以自我通过提前购买比特币、合约对冲、价格预测等手段来控制风险的人。

According to the bulletin, the users of its C2C trading platform have two roles: users and traders. The user is defined as the person who invests in digital assets, the purpose of which is to buy or sell digital assets at different prices. The businessman is defined as the person who is ready to compete with the user and who can control the risk by purchasing bitcoins in advance, contract hedges, price forecasts, etc.

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而整个C2C交易分为投资交易区和开放交易区两部分。一方面，投资交易区帮普通用户更简单便捷的使用本地法币投资比特币，但没有提币需求的用户。用户可以随时按OKEX指数价格上浮或下浮一定比例来买入或卖出比特币，交易对手为商家，配单成功以后给商家转账本地法币，即可完成交易，投资区采用法币进法币出，数字资产进数字资产出的运营策略，即无论用户或商家，充进N个比特币，只能提走N个比特币，多余的部分只能卖出为法币。另一方面，开放交易区定位于购买比特币有提现需求的用户。用户可以自己决定买入或卖出价格，用户和商家之间自由选择成交。但目前该交易区还未开放。

The entire C2C transaction is divided into investment trading zones and open trading zones. On the one hand, the investment zone makes it easier for ordinary users to invest in bitcoins in local coins more easily, but it does not have a demand for coins. Users can buy or sell bitcoins at any time in proportion to the price of the OKEX index, the counterparty is a comptoir, transfers local coins to merchants when the order is successful, complete the transaction.

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简单来说，就是在这个平台上，你又能用人民币买卖比特币了。

Simply put, it's on this platform that you can buy and sell bitcoin again.

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紧随其后，火币网的海外站——火币全球专业站也正式上线了点对点交易平台，提供比特币和USDT的点对点交易服务，支持人民币买卖，支持提币。（注：USDT是Tether公司推出的基于稳定价值货币美元的代币，1USDT=1美元，用户可以随时使用USDT与美元进行1:1兑换。）

followed closely by the official point-to-point trading platform of the Treasure Network's overseas station — the Treasure Global Professional Station — which provides point-to-point trading services for Bitcoin and USDT, supports the sale and sale of the renminbi and supports the tender. (Note: USDT is a United States dollar-based currency of stable value introduced by Tether, 1 USDT = US$ 1, and users can use USDT for 1:1 conversion to the United States dollar at any time.)

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火币把这种交易模式叫做OTC，但实际上还是个人与个人之间交易。火币全球专业站相当于淘宝，用户可以选择当广告主或对手方。广告主指在平台发布买币或卖币广告的人，对手方可以选择向广告主买币或将币卖给广告主。而点对点交易平台可以满足用户用人民币等法定货币购买比特币和USDT等数字货币的需求，也可满足用户将比特币和USDT等数字货币卖出为人民币等法定货币的需求。

Arrangers refer to people who advertise their money or sell it to advertisers. Point-to-point trading platforms can meet the demand of users to purchase bitcoins and USDTs in legal currency, or to sell them as legal currencies, such as renminbi and USDT.

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值得注意的是，在平台《责任声明和责任免除》条款中，火币如此表示：“本网站仅向您提供点对点平台服务，您了解点对点平台上的拟出售或购买信息系用户自行发布，且可能存在风险和瑕疵。本网站将通过依法建立相关检查监控制度尽可能保障您在点对点平台上的合法权益及良好体验。同时，鉴于点对点平台具备存在大量信息及信息网络环境下信息实时变化的特点，本网站无法逐一审查拟出售后购买的信息及因此达成的交易信息，对此您应谨慎判断。”

It is worth noting that in the terms of the Platform's Statement of Responsibilities and Exemption of Responsibilities ', the coin states: "This website only provides you with point-to-point platform services, and you know that the information to be sold or purchased on the point platform is published by the users themselves and may be subject to risks and defects. This website will, as far as possible, guarantee your legitimate rights and good experiences on point-to-point platforms by establishing a system of checks and controls in accordance with the law. At the same time, given the characteristics of the point-to-point platform, which has a large amount of information and real-time changes in information in the context of the information network, it is not possible for this site to review each of the information to be sold and the resulting transactions, which you should be careful to judge."

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不难看出，不管是OKEx的C2C，还是火币的点对点，其交易模式实际上都是一种撮合类的场外交易模式，用户之间自行买卖比特币，交易所只是搭个台子收点手续费和提现费，可以说在一定程度上绕过了监管。

It is easy to see that either OKEx's C2C or the gun's point-to-point, the mode of dealing is in fact a mixed type of off-site transaction, that users buy and sell bitcoin among themselves, and that the exchange is merely on a platform to collect fees and cash charges, which can be said to be somewhat out of control.

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实际上，中国对于比特币交易的监管政策出台后，国内投资者参与比特币投资的路径只剩下两条，一是个人对个人的场外交易，二是去境外虚拟货币交易所交易。前者安全性略显不足，屡屡爆出骗局；后者需要开设海外账户、换汇等一系列金融动作，难度较大。而此次老牌交易所推出的C2C或点对点场外交易，无疑在一定程度上解决了安全性的问题，用户至少不用担心被素未谋面的交易方骗钱了。同时略显讽刺的是，C2C或点对点交易模式下操作非常简单，用户可以自由选择微信、支付宝或者银行卡完成支付过程，这种类似网购的支付体验反而要远远超过之前的交易所模式。

Indeed, China’s regulatory policy on Bitcoin transactions has left only two routes for domestic investors to engage in Bitcoin investments, one for individuals to make off-site transactions with individuals, and the other for a virtual currency exchange abroad. The former is slightly less secure, with repeated frauds; the latter requires a series of financial actions, such as offshore accounts and exchange of remittances.

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业内人士指出，两家大平台试水点对点交易，并且首先通过海外站上线该业务，在最大程度上避免了触犯国内监管政策，也可能在试探监管的红线。

According to industry sources, the two large platforms are trading with each other and, first of all, on-line through overseas stations, to the greatest extent possible, avoid violating domestic regulatory policies or may be testing the red line of regulation.

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无论如何，在国内虚拟货币交易所停止虚拟货币交易后，这种C2C或点对点服务的上线颇有些“擦边球”的意味。不少人在等待着监管的态度，但可以看到，除非规定禁止个人持有比特币，否则很难从根源上禁止这种出海交易所的场外交易。

In any case, this C2C or point-to-point service has a somewhat “curbing ball” since the virtual currency exchange in the country stopped trading in virtual currency. Many people are waiting for a regulatory attitude, but it can be seen that it is difficult to ban off-the-ground transactions from the foreign exchange at the root unless there is a provision prohibiting individuals from holding bitcoins.

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