E-money is money that lives as numbers on a computer, a phone, or a card — not as coins and notes in your pocket. You store value electronically and spend it later, for example the stored value on a travel card or in some digital wallets, without handing over cash.

E-money is是 on a computer在電腦、 a phone手機 or a card或卡片上、 that lives as numbers以數字形式存在的 money錢—— not不是 in your pocket你口袋裡 as coins and notes的硬幣和鈔票。 You你 store value electronically把價值用電子方式存起來， and spend it later之後再花掉—— for example例如 on a travel card交通卡上 or in some digital wallets或某些電子錢包裡 the stored value儲的值， without handing over cash完全不用交出現金。

Banks and governments sometimes use the word in a tighter, legal way: a stored value that is not the same thing as money sitting in an ordinary bank account. Everyday speakers are looser, and may say e-money for almost any paying you do on a phone.

Banks and governments銀行和政府 sometimes有時 in a tighter, legal way用比較嚴、法律上的方式 use the word用這個字： a stored value一種儲存起來的價值， sitting in an ordinary bank account和放在一般銀行帳戶裡的 money錢 that is not the same thing並不是同一回事。 Everyday speakers一般人講話 are looser比較鬆， and而且 on a phone你在手機上 you do做的 for almost any paying幾乎任何一種付錢， may say都可能說成 e-money。

It is a fairly technical, news-and-business word. In shops people more often name the card or the app.

It它 is是 a fairly technical一個相當技術性、 news-and-business新聞和商業用的 word字。 In shops在店裡 people人們 more often更常 name直接說出 the card or the app卡片或 app 的名字。

It is not automatically the same as a brand-new internet coin (cryptocurrency), and it is not simply “paying by card” — a credit card often moves bank money; e-money is the value stored itself.

It它 as a brand-new internet coin和全新的網路幣 (cryptocurrency加密貨幣) is not automatically the same不能直接畫上等號， and it is not simply也不單純是 “paying by card”「刷卡付錢」—— a credit card信用卡 often常常 moves搬動的是 bank money銀行裡的錢； e-money is是 the value stored itself儲存起來的那個價值本身。