[编译]：Yao (BTS:yao, Steemit:imyao)

[日期]： 2016年7月8日

1. How would my money be protected?

［问］：我的资金如何得到保护？

Your money is protected by modern Blockchain technology and protected through a network of trusted partners who run the payment network. ECHO is using the latest banking security to protect your funds and privacy from any hackers.

［答］：你的资金由时下最前沿的区块链（BlockChain）技术来保障，这个区块链由一个值得信赖的合作伙伴维护，他们运行着一个支付网络。ECHO 采用最新的银行业安全技术让你的资金和隐私远离任何黑客的侵扰。

2. How do I send money?

［问］：我怎么发送资金（支付、转账）？

Sending money to your family or friends is as easy as sending a text message. When you want to send money to your friend, open his chat window, click on the plus button next to the emojis and choose transfer. Now type in the amount and currency you want to transfer, confirm the money transfer with your password and press sent. It just takes 3 seconds and your friend received his money. It is really that easy.

［答］：给你的家人和朋友转账就像发送一条文字信息那样简单。当你想把资金转给你的朋友时，打开他的聊天窗口，点击表情符号旁边的加号按钮，然后选择“转账”。接下来输入你要转账的货币种类和金额，用您的密码确认资金转账，然后按发送。只需要 3 秒钟，你的朋友就可以收到你的钱。就是这样简单！（译者注：Echo的首席执行官克里斯托夫·赫林（Christoph Hering）因为到中国上海的时候使用过微信，让他很惊讶有这么强大的集聊天与支付于一体的社交APP，所以就像操作微信转账那样使用Echo的支付功能。）

You can also send money to all other ECHO users, or to a cell phone number or E-Mail address. Just go to the wallet tab and tap on transfer.

您也可以转账给其他ECHO 用户，或者转账到一个电话号码或者E-mail电子邮箱地址。进入钱包选项选择转账即可。

You can also send money via the ECHO Barcode. Just make a picture of the QR-Code on your friends’ phone, in the restaurant or at the store and send money in a snap. Picture, password, paid, it is really that easy.

您还可以通过条形码支付和转账。只需要对方生成（提供）一个QR码（二维码）图片，无论是你朋友的手机里，还是在餐厅或者在商店，立马完成支付。图片、密码、支付，就是这么简单！

3. How do you cash out?

［问］：如何兑换成现金？

Go to the ECHO wallet tab and click on withdraw. Please add your bank account if you are new to ECHO. Choose your bank account and set the amount you want to withdraw. The funds will be sent to your bank account within the next few days.

［答］：切换到 ECHO钱包选项卡，然后单击“提现”——如果您是初次使用ECHO请先添加您的银行账户——选择银行账户并设置您要提现的金额。这笔资金将会在未来几天内送到您的银行账户。（译者注：难道国外提现到银行的交易处理效率比国内低？）

You can only withdraw money to your own bank account.

您只能把钱提现到您自己的银行账户。

4. Security, protection against theft?

［问］：安全、防盗么？

All your data and money are encrypted and protected by modern Bank and Blockchain technology. You are the only person who can access your funds and data. Not even we at ECHO have access to your ECHO account and give you the total control over your money and data. You can access your ECHO account with your personal passphrase, PIN code, and /or Brainkey.

［答］：你所有的数据和资金都通过现代银行和区块链技术进行加密和保护。你是唯一一个可以访问你的资金和数据的人。即使我们ECHO内部的人（译注：开发者、官方工作人员等）也无法访问你的 ECHO账户，你拥有资金和数据的绝对控制权（译注：这是区块链技术的特点决定的，你拥有私钥和密码，你就掌控一切）。你可以用你的个人密码、PIN码和（或）脑钱包密钥访问你的ECHO账户。

5. What if I lose my phone or it gets stolen? What happens with my money?

［问］：如果我手机丢失或者被偷了呢？我的资金会怎样？

Nobody can access your data and money without your personal passphrase, PIN code and /or Brainkey. A thief cannot send money to anybody without the correct passwords. Please contact us immediately in case you lost your phone or it got stolen so that we can assist you with the recovery process.

［答］：没有你的个人密码、PIN码和（或）脑钱包密钥任何人都无法访问你的账户和资金。没有正确的密码，小偷无法转账给任何人。万一你丢失了你的手机或者手机被盗，请及时与我们联系，以便我们协助您找回（账户和资金）。

We will send you a detailed instruction how to reset your ECHO Account again.

我们将向你发送一个详细的指令如何重新设置您的ECHO账户。

6. Does ECHO charges fees?

［问］：ECHO收费么？

You can find the current membership prices on our website www.my-echo.com/membership

［答］：您可以访问我们网站的这个网址www.my-echo.com/membership了解当前会员价格体系。（译注：目前还未提供会员价格表，请关注官方最新动态）

We have the 4 different ECHO Memberships packages: ECHO, Thunder, Lightning, “VIP”

我们提供4种不同的ECHO会员套餐：ECHO，Thunder，Lightning，“VIP”。（根据区块链铅笔 ChainB.com 翻译的这篇报道《Echo准备推出区块链去中心化聊天软件》来看，ECHO声称免费，译者猜测ECHO可能是免费用户等级，其他三级为收费的特权用户，具体以官方公布为准。）

7. What if ECHO disappears? goes Bankrupt

［问］：如果ECHO消失了呢？破产了

ECHO is an open-source decentralized brand, so even if the developing company of ECHO disappears, the software continues to do its job in perpetuity. – No funds will be lost if ECHO goes bankrupt. You will be able to recover 100% of your funds in your ECHO wallet.

［答］：ECHO是一个开源的、去中心化的品牌，所以即使ECHO的开发公司消失了，ECHO软件也会永远继续工作。——如果ECHO（公司）破产，没有资金会丢失。你可以100%地收回你ECHO钱包里的资金。

8. Where is the money?

［问］：资金在哪里（放着的）？

All funds are stored on the BitShares Blockchain, a decentralized global payment platform that replicated its database in real-time across thousands of servers worldwide to guarantee its safety.

［答］：所有的资金都存放在比特股区块链上（译注：比特股——目前为 BitShares2.0 —— 是一个公有链，就像比特币区块链一样，它不属于任何个人，也不受任何个人控制），一个去中心化的全球支付平台，其数据库通过数以千计的服务器来保证其安全性，并实时复制到世界各地。（译注：基于石墨烯技术的比特股 DPOS 共识机制实现了稳定的3秒出块，也就是说3秒钟即可转账——资金、加密信息——到世界任何有网络的地方）

9. Is the ECHO source code open source?

［问］：ECHO的源码是开源的么？

Yes, 100%.

［答］：是的，100%开源。

10. Are there any hidden fees?

［问］：有隐藏费用（私下扣费）么？

No. All fees are public at all times and are viewable in real-time inside the app

［答］：没有。所有的费用都是完全公开的，都可以在APP中实时可见。

11. Do I need to pay a withdraw fee?

［问］：我需要支付提现费用么？

Yes. Please consider the fee list at www.my-echo.com/membership

［答］：是的。请仔细考虑费用清单，请访问：www.my-echo.com/membership查看。

12. Will my money be covered by any compensation scheme?

［问］：我的资金能够得以偿付么（译注：类似银行有存款准备金，储户随时都可以取现）？

Yes, all your funds are protected with a +100% collateral. Thanks to modern Blockchain technology ECHO does not support fractional reserve banking and all users funds are +100% protected with a compensation scheme. If ECHO goes bankrupt all your funds are still available and can be withdrawn to your bank account.

［答］：是的，所有的资金都有100%的抵押物担保。得益于前沿的区块链技术，ECHO不是部分存款准备金的储备银行，所有用户资金都是100%能得以偿付的。如果ECHO破产了，你的所有资金仍然可用，可以随时提现到你的银行账户里。（译注：由于比特股区块链具有去中心化资产储备银行的特性，所有资金如人民币、美元、黄金、比特币等都以至少两倍价值的BTS——比特股的核心代币——做抵押，比特股系统有平仓、强制结算等机制保证这些资金能够得以100%偿付）

13. Can you access my account?

［问］：你们能访问我的账户么？

Absolutely not. We have no access to your data and funds at any time.

［答］：绝对不可能。我们在任何时候都无法访问您的数据和资金。

14. How are your payments different to the regular Bank transfers? How does it work?

［问］：你们的支付功能与普通银行转账有什么不同吗？它是怎么运转的？

ECHO uses modern Blockchain and IPFS technology for the money transfers. ECHO is connected to a global payment platform like SWIFT or Earthport and all transactions are added to a global ledger. A big database of transactions all grouped into blocks and each block cryptographically secured and tied with a “hash” to the previous and subsequent blocks. Read more about blockchain technology here https://en.wikipedia.org/wiki/Block_chain_(database)

［答］：ECHO采用前沿的区块链技术和IPFS（星际文件传输系统）来实现资金的转移。ECHO是连接到像SWIFT或者Earthport那样的全球性支付平台，并且所有交易均被记录在一个全球账簿上（译注：对区块链Blockchain技术有所了解的朋友应该知道区块链本质上就是一个不可篡改的分布式账簿，完全公开）。一个大的交易数据库被全部整合进区块（block）中，每一个块都加密保护并用“哈希”来联系前后的区块。在维基百科了解更多关于区块链技术的信息：https://en.wikipedia.org/wiki/Block_chain_(database) （译注：中文读者请移步ChainB.com，有一篇本土化、通俗化解读区块链技术的文章，有助于你更好地了解什么是区块链？）

［译者点评］：相信读者朋友看完上面的常见问答，会跟我有同样的感觉：Echo是一个以比特股区块链（BitShares2.0）为基础设施的商业模式应用案例。Echo 将如何展现BitShares2.0 的魅力，拭目以待！

声明：本人英文水平有限，难免有翻译不到位的地方，故附上英文原文以便您对照阅读，错漏之处望请海涵！