国外学者在对数字货币进行研究时，更多的是将加密货币（如比特币）归为数字

When foreign scholars conduct research on digital currency, they more often classify cryptocurrencies (such as bitcoin) as a type of digital currency. Garay J, Kiayias A, Leonardos N (2015) emphasized the concept of "system" and defined Bitcoin more as an electronic money system. Focusing on the analysis of the behavior motivation of Bitcoin users, they believe that the number of new users using Bitcoin as a transaction medium is not obvious, and it is more used as a convertible asset [11]. <br>Later scholars began to study Bitcoin from various aspects. Androulaki E, Karame GO, and Roeschlin M (2013) conducted research on the anonymity of Bitcoin. They considered the topology of the two networks derived from the history of Bitcoin's public transactions. The research shows that these two networks have a non-trivial The topology provides a complementary view of the Bitcoin system and has an anonymous effect. Starting from the way of bitcoin communication, it has been found through research that bitcoin users show some common characteristics [12]. <br>For the issuance of fiat digital currency, British research has always been at the forefront of the world. Miers I, Garman C, Green M (2013), the deputy governor of the Bank of England, believed that when legal digital currency coexists with physical cash, the efficiency of payment systems will be greatly improved; When it subsides, negative interest rates will manifest

When foreign scholars study digital currencies, they classify cryptocurrencies, such as Bitcoin, as one of them. Garay J, Kiayias A, Leonardos N (2015) emphasize the concept of "system", defining Bitcoin more as an electronic money system. Focusing on the motivation stoicised by Bitcoin users, they argue that the number of new users using Bitcoin as a medium of transaction is not obvious, and that it is more about using it as a convertible asset.<br>Later scholars conducted research on Bitcoin in various ways. Androulaki E, Karame G O, Roeschlin M (2013) studied the anonymity of Bitcoin and considered the topology of the two networks derived from Bitcoin's public transaction history, which showed that the two networks had an extraordinary topology that provided complementary views of the Bitcoin system and had anonymous influence. Starting with the way Bitcoin spreads, the study found that Bitcoin users show some common characteristics.<br>British research has been among the world's leading in the issuance of legal digital currencies. Miers I, Garman C, Green M (2013), then deputy governor of the Bank of England, argues that when legal digital money coexists with in-kind cash, it will greatly improve the efficiency of the payment system, and that negative interest rates will manifest when the legal digital currency becomes the dominant currency and the real currency fades.

When foreign scholars study digital currency, they mostly classify cryptocurrency (such as bitcoin) as a kind of digital currency. Garay J, kiayias a, leonardos n (2015) emphasized the concept of "system" and defined bitcoin more as an electronic currency system. This paper focuses on analyzing the behavioral motivation of bitcoin users. They believe that the number of new users using bitcoin as a trading medium is not obvious, but more as a convertible asset [11].<br>After that, scholars began to compare the study of special coins from various aspects. Androulaki e, karame g o, roeschlin m (2013) studied the anonymity of bitcoin. They considered the topological structure of two networks obtained from the public transaction history of bitcoin. The research shows that the two networks have a non trivial topological structure, provide complementary views of bitcoin system, and have the influence of anonymity. Starting from the way of bitcoin communication, it is found that bitcoin users have some common characteristics [12].<br>For the issue of legal digital currency, the UK research has been at the forefront of the world. Miers I, Garman C, green m (2013), vice president of the Bank of England at that time, believed that when the legal digital currency and physical cash coexisted, the efficiency of the payment system would be greatly improved; when the legal digital currency became the mainstream legal currency and the physical currency gradually disappeared, the phenomenon of negative interest rate would appear