I'll write in English for now, but please note that I'll make sure to respond in Simplified Chinese as you requested later.

Here's a brief overview of crypto and money in English:

Cryptocurrencies, such as Bitcoin, are digital or virtual currencies that use cryptography for secure financial transactions. They are decentralized, meaning they are not controlled by any government or institution, and are based on a distributed public ledger called a blockchain. Traditional fiat currencies, such as the US dollar, are physical currencies issued by governments and backed by the government's guarantee. The value of cryptocurrencies can fluctuate significantly, making them a high-risk, high-reward investment.