Exchanges have become synonymous with the crypto industry, serving as the much-needed bridge between investors and the cryptocurrencies they wish to invest in. However, over the years, there have been a number of concerns regarding the safety of exchanges, especially when it comes to using them as storage mediums. In light of this, Dogecoin influencer Mishaboar has combed through the terms and conditions of a number of exchanges and has highlighted a major issue with them.

交易所已經成為加密行業的代名詞，成為投資者和他們希望投資的加密貨幣之間急需的橋樑。然而，多年來，人們對交易所的安全性存在著許多擔憂，尤其是當使用它們作為儲存媒體。有鑑於此，狗狗幣網紅 Mishaboar 梳理了多家交易所的條款和條件，並強調了它們的一個主要問題。

Dogecoin Influencer Reveals Exchanges Are Not Insured

In the post, which was shared on the social media platform X (formerly Twitter), Mishaboar highlighted a major issue with holding crypto on exchanges. The post featured screenshots of the Terms of Service (ToS) of multiple US-based exchanges, including Robinhood, Coinbase, Kraken, and Binance.US.

狗狗幣影響者透露交易所沒有保險 在社群媒體平台 X（以前稱為 Twitter）上分享的貼文中，Mishaboar 強調了在交易所持有加密貨幣的一個主要問題。該貼文展示了多個美國交易所的服務條款 (ToS) 的螢幕截圖，包括 Robinhood、Coinbase、Kraken 和 Binance.US。

Mishaboar highlighted different sections of these Terms of Services, which showed that the crypto held on all of these exchanges were not insured. The first of the screenshots was from the Robinhood ToS, with the highlighted part which read:

相關閱讀：加密貨幣分析師預測狗狗幣價格何時將達到 1 美元 Mishaboar 強調了這些服務條款的不同部分，這表明所有這些交易所持有的加密貨幣都沒有保險。第一個螢幕截圖來自 Robinhood ToS，突出顯示的部分內容如下：

“Absence of FDIC or SIPC Protection. RHC is not a broker-dealer of any kind and is not a member of the Financial Industry Regulatory Authority (“FINRA”) or the Securities Investor Protection Corporation (“SIPC”). I under that my Cryptocurrency holdings are not protected by Federal Deposit Insurance Corporation (“FDIC”) or SIPC.”

「缺乏 FDIC 或 SIPC 保護。 RHC 不是任何類型的經紀自營商，也不是金融業監理局（「FINRA」）或證券投資者保護公司（「SIPC」）的成員。我認為我持有的加密貨幣不受聯邦存款保險公司（“FDIC”）或 SIPC 的保護。”

The screenshots from the ToS of other exchanges also followed the same theme, acknowledging that customer deposits were not actually insured. “Coinbase is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons. You acknowledge that Digital Assets are not subject to protections or insurance provided by the Federal Deposit Insurance Corporation or the Securities Investors Protection Corporation,” the Coinbase ToS reads.

其他交易所的服務條款截圖也遵循相同的主題，承認客戶存款實際上並沒有受到保險。 「Coinbase 未在美國證券交易委員會註冊，也不在美國或向美國人提供證券服務。您承認數位資產不受聯邦存款保險公司或證券投資者保護公司提供的保護或保險，」Coinbase ToS 寫道。

Next on the list of the Kraken ToS, which reads: “ No Insurance. We are not a bank or other depository institution. Your account isn’t a deposit account or bank account. Your account and digital assets are not covered by insurance against losses or subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections, or protections of any comparable organization in the world.”

Kraken ToS 清單中的下一個內容是：“無保險。”我們不是銀行或其他存款機構。您的帳戶不是存款帳戶或銀行帳戶。您的帳戶和數位資產不受損失保險的保障，也不受聯邦存款保險公司或證券投資者保護公司或世界上任何類似組織的保護。”

Last but not lease is the Binance.US ToS which simply states that that “Your Accounts and Digital assets are not eligible for FDIC insurance protections.”

最後但不是租賃的是 Binance.US ToS，它簡單地指出「您的帳戶和數位資產不符合 FDIC 保險保護的條件」。

Best Places To Store Crypto

When it comes to storing cryptocurrency, it is up to the investor to make sure that their holdings are properly stored so they are safe. However, when it comes to exchanges, leaving crypto on there for the long term can do more harm than good.

儲存加密貨幣的最佳地點在儲存加密貨幣時，投資者有責任確保其持有的資產正確存儲，以確保其安全。然而，就交易所而言，長期保留加密貨幣可能弊大於利。

An example of this is the FTX crypto exchange collapse which saw thousands of investors lose their cryptocurrencies when the exchange went bankrupt in 2022. Exchanges are better for short term storage, especially for coins that are being sold.

相關閱讀：Meme Coin Madness 將以太坊費用推至2 年新高一個例子是FTX 加密貨幣交易所崩潰，當該交易所於2022 年破產時，成千上萬的投資者失去了他們的加密貨幣。交易所更適合短期存儲，尤其是硬幣正在出售的。

For the longer term, self-custody has always proven to be the superior choice. Software self-custody wallets such as Trust Wallet and Metamask are very popular options. Meanwhile, hardware wallets such as Ledger and Trezor are believed to be even safer as they store crypto completely offline.

從長遠來看，自我託管始終被證明是更好的選擇。 Trust Wallet 和 Metamask 等軟體自助錢包是非常受歡迎的選擇。同時，Ledger 和 Trezor 等硬體錢包被認為更安全，因為它們完全離線儲存加密貨幣。

Total market cap at $2.6 trillion | Source: Crypto Total Market Cap on Tradingview.com

總市值達2.6兆美元|資料來源：Tradingview.com 上的加密貨幣總市值 精選圖片來自 Bankrate，圖表來自 Tradingview.com