It's generally accepted for payment for goods and services.

它通常被公认用于支付货物和服务。

But El Salvador's bitcoin law goes further, saying that businesses must accept the cryptocurrency as payment for goods or services.

但萨尔瓦多的比特币法律有过之而无不及，它规定企业必须接受顾客使用这种加密货币购买商品或服务。

Accept them as payment for goods and services, exchange them for a more traditional form of currency, or you can mine them.

接受它们作为购买商品和服务的支付方式，把它们换成一种更传统的货币，或者你也可以“开采”它们。

Another challenge to traditional banking is emerging from " buy now, pay later" (BNPL), which enables shoppers to spread their payments for goods, sometimes with no interest or credit check but a fee for late instalments.

传统银行面临的另一个挑战是“先买后付”(BNPL)，它使购物者能够在购买商品时分期付款，有时没有利息或信用检查，但需要支付延迟分期付款的费用。