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Image Har du pengar på banken? Egentligen inte
StartsidaInsikterKunskap

Har du pengar på banken? Egentligen inte

Timer1 min läsning

Double Spending är CoinShares nya animerade serie som berättar de historiska, roliga och ibland tragiska berättelserna bakom pengarna som vi känner dem: fiatvalutorna.

I det här avsnittet går vi igenom hur pengar skapas genom bankernas utlåning, med direkt påverkan på penningmängden.

Illustrerad av konstnären Alberto Miranda (The Guardian Weekly, The Economist, El País, Barron's Magazine, Capital Magazine) och animerad av Marine Adenis, motion designer på CoinShares, hjälper Double Spending oss att förstå varför Bitcoin trots allt kan ha en plats i det moderna samhället.

I det här avsnittet

Det känns väldigt tryggt att sätta in pengar på banken. De hamnar i ett valv. De är säkra. Vi betalar, ibland mycket, för den säkerheten. Mer än 1 av 4 amerikaner med ett lönekonto betalar månadsavgifter på upp till 24 dollar i månaden — cirka 288 dollar per år — för den här tjänsten.

Saken är bara att… dina pengar egentligen inte finns på banken. När du gör en insättning behålls bara en del som reserv. Och resten? Tja… det lånas ut för att generera ränta och vinst. Men ibland, när du och andra vill ta ut era pengar, finns de inte längre kvar. Det kallas en bankrusning. Beroende på vilket land du bor i får du bara tillbaka en viss del av dina pengar. I USA är 250 000 dollar garanterade. I Frankrike är gränsen 100 000 euro.

Det är synd, eller hur?

Men visst, Bitcoin är en bluff. Läs mer om dina pengar och Bitcoin på Coinshares.com

Publicerad denMaj 22nd, 2026

Författare
Jeremy Le Bescont article photo
Jérémy Le BescontLedande innehållsansvarig
Tidigare journalist för Le Monde, Le Figaro och Capitals kryptovalutasektion. Driver en Bitcoin-nod.