更新时间：作者：小小条
中文：数字货币是一种基于区块链技术的数字化货币，由国家发行和监管，比如中国的数字人民币。它可以像现金一样用于支付，安全性高，交易便捷，还能追溯资金流向，有效防范诈骗和洗钱等问题。随着技术发展，数字货币正逐渐融入人们的日常生活，成为支付方式的新选择。
English: Digital currency is a type of digital money based on blockchain technology, issued and supervised by the state, such as China's digital yuan. It can be used for payments like cash, with high security and convenient transactions. It also allows tracking of fund flows, effectively preventing fraud, money laundering and other issues. As technology advances, digital currency is gradually integrating into people's daily lives, becoming a new choice for payment methods.
翻译要点及技巧：
- “数字货币”译为“digital currency”，“区块链技术”是“blockchain technology”，属于固定术语，准确对应即可。
- “由国家发行和监管”用“issued and supervised by the state”，两个过去分词短语并列，简洁说明其管理主体；“数字人民币”译为“digital yuan”，是中国特有的数字货币名称，保持专有名称的规范译法。
- “像现金一样用于支付”处理为“used for payments like cash”，“like”的使用使类比关系清晰；“追溯资金流向”译为“tracking of fund flows”，动名词短语作宾语，符合英文表达*惯。
- 最后一句用“is gradually integrating into...”体现过程性，“becoming a new choice...”作为伴随状语，使句子结构流畅，逻辑连贯。
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