SN-10057 附来源、原文与上下文。
你好，中本聪：
Hi Satoshi,
我刚读了下面这个维基页面：
I just read the following wiki page:
其中声称：
which claims that
Mike 引用的网页说明维基百科（Mike 来信所引）来源 ↗‘根据《电子资金转账法》下的美联储 E 条例，美国借记卡持有人享有获得交易撤销的保障。依据相应银行卡组织或银行网络制定的规则，类似权利也适用于世界其他地方。’
"U.S. debit card holders are guaranteed reversal rights by Federal Reserve Regulation E under the Electronic Funds Transfer Act. Similar rights extend globally pursuant to the rules established by the corresponding card association or bank network."
‘电子资金转账法’听起来适用范围很广。你觉得它会适用于比特币吗？如果会，无法做退单是否有可能让比特币变得不合法？
The "Electronic Funds Transfer Act" sounds awfully generic, do you think it'd apply to BitCoin? If so, would the inability to do chargebacks risk making it illegal?
我不是律师，不可能回答这个问题。我猜，如果法律适用于银行、金融机构或其他中间人，那么这里就不适用，因为没有银行参与，只有双方直接交易，就像他们当面使用现金，或拿实物商品以物易物一样。
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.
比特币的根本设计目标，就是能够进行不可逆交易，而且确实有一些应用需要这一点。
Bitcoin is fundamentally designed to be able to do non-reversible transactions, and there certainly are applications that need that.
如果有人希望可以拒付，就可以使用托管交易。这个功能还没有实现，但会是接下来要做的事情之一。例如，可以把交易写成这样：指定一个第三方，在付款人不放款时决定是否退回，并在若干天后自动放款。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，能够表达任意多种选项。
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.
