Bitcoin Price Falls $1,400 in One Week — Is the Bear Market Back?

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Bitcoin to See a “Golden” Short Opportunity if it Taps This Level

Bitcoin’s intense selloff has slowed over the past 24-hours, with bulls garnering some notable buying pressure within the lower-$8,000 region, subsequently leading BTC to enter a short-term bout of consolidation around $8,600.

Although bulls have shown some signs of strength during this latest leg down, it is important to keep in mind that its price action over the past week has been bear-favoring, and its deep retrace from its yearly highs seems to suggest its bullish market structure may have been invalidated.

Now, top analysts are noting that an incredibly strong resistance level that exists just a hair above BTC’s current price region may be enough to spark a major selloff.

Bitcoin Consolidates as Analysts Eye Multiple Key Levels

At the time of writing, Bitcoin is trading down nominally at its current price of $8,660, which is around where it has been trading at for the past 24-hours.

The cryptocurrency’s ongoing selloff first began last Sunday when it ran to highs of $10,000 before facing a swift rejection at this level, with bull’s inability to recapture its position above this level being a grave sign for the crypto.

Analysts are now noting that how BTC responds to this ongoing bout of sideways trading should offer insight into where the markets will trend next.

Crypto Micahël, a prominent cryptocurrency analyst on Twitter, explained in a recent tweet that a break below Bitcoin’s current price level could lead it to drop as low as $7,500.

“Bitcoin: At this point, remaining fairly unchanged in the perspectives. Holding here and I assume $9,000-9,200 retest is likely. Losing it and I’d be pointing $7,500-7,700,” he noted.

BTC Could Provide a “Golden” Short Opportunity if it Taps This Level

Teddy, another popular cryptocurrency analyst, believes that Bitcoin’s recent price action has firmly invalidated its bullish market structure for the time being, leading him to believe further downside is imminent.

He also notes that a movement towards $9,150 could be a “golden” short opportunity for traders, with a rejection at this level sparking intense downside.

“BTC: Brutal breakout, supports were annihilated – clear bear bias of price structure. Currently consolidating in a down channel, historically they break upwards – 9150’s rejection will be a golden short opportunity. Retest of previous support as resistance?”

If Bitcoin fails to garner any upwards momentum, or faces another firm rejection, prior to its weekly close tomorrow, it could mean further downside is inbound.

Featured image from Shutterstock.

Irish Dealer Loses $59 Million in BTC After His Landlord Threw Away the Codes

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Irish Dealer Loses $59 Million in BTC After His Landlord Threw Away the Codes

irish-dealer-loses-59-million-in-btc-after-his-landlord-threw-away-the-codes

An Irish drug dealer has lost €55 million ($59 million) in bitcoin after his landlord accidentally threw away a case containing the codes to access his wallets. 

According to a report by the Irish Times, 49-year-old Dubliner Clifton Collins amassed a fortune in bitcoin between 2011 and 2012 using funds obtained from illegally growing and selling marijuana. Collins purchased more than 6,000 BTC, which was trading for less than $5 at the time. 

Collins was arrested in 2017 for the possession and sale of cannabis and sentenced to five years in prison. Prior to his arrest, he had hidden the codes for twelve separate bitcoin wallets, each containing 500 BTC, inside the aluminum cap of a case containing his fishing rod. The case was stored in his rented home in Farnaught, Cornamona, Co Galway.

Collins’s landlord eventually sent the majority of his possessions to the local landfill during his prison stay, including the fishing rod case containing the secret codes. 

While Ireland’s Criminal Assets Bureau (CAB) has since confiscated the twelve accounts, the €55 million in bitcoin is inaccessible without the codes. Workers at the local dump told officers they remember seeing discarded fishing gear, however, the waste was eventually moved to Germany and China. 

Collins says that he has come to terms with the loss of his funds, and regards it as punishment for his actions. 

Featured Image Credit: Photo via Pixabay.com

比特币到底是什么,金钱、货币还是价值储存方式?

随着比特币第三次减半的日益临近,人们对于它的关注度也在不断的提升。事实上,随着时间的推移,比特币的稀缺性将会继续使其成为对投资者越来越有吸引力的资产。

那么,随着比特币继续向主流世界靠拢,我们到底该如何看待它呢?或者说,这里有一个非常重要的问题:比特币到底是什么?它是一种货币吗?还是一种价值储存的工具?又或者说,它就是一种全新的东西?

一些人称,由于比特币的稀缺性、不可伪造性和避险属性,所以它是一种优越的价值储存方式。Coinbase就曾引用了这些特征,并证明比特币是数字时代与黄金竞争的终极价值储存方式。

这一说法确实没什么问题,但是并不全面。就比如,有些人则会说,比特币的真正目标是被用作一种分布式的支付方式,或者引用中本聪的原话,即比特币是一个“点对点的电子现金系统”。

的确,比特币的去中心化特性提供了一个可预测的发行率,同时理论上也不受任何政府对其货币政策和交易处理的干预,允许在全球范围内进行廉价、快捷和不受审查的转移。

不过需要注意的是,虽然比特币的点对点特性使其不受人类干预(尽管有51%的攻击),但是它在可用性方面也存在一些限制。所以目前,更多的时候,比特币还是被作为一种价值存储方式,而不是像货币一样用于日常支付。

 

金钱、货币、价值存储方式?


 

是什么让像黄金这样的东西成为了价值储存方式,又是什么让像美元这样的东西成为了货币?简单地说,价值存储就是能够保持其价值,并且不会随着时间的推移而贬值的资产,包括黄金、白银等贵金属和债券等计息资产。

相反,货币本身没有内在价值。它是一种计量单位,也是一种广泛使用的交换媒介,本身并没有内在价值。

而与货币不同,金钱则是具有内在价值的,不能随意创造。货币可以被视为金钱或商品的收据。就比如,在金本位制盛行的时候,人们可以把纸币兑换成黄金。

而以美元来说,随着新的美元被印刷出来,美元就会开始持续贬值,也就稀释了所有流通纸币的价值。这意味着美元只具有相对价值,而不是内在价值。

但是对于像黄金或比特币这样的东西,创造更多的单位(通过挖矿)并不会稀释剩余单位的价值,因为它们具有内在价值。

尽管一些货币过去一直与贵金属挂钩,但是大多数货币并没有基础资产,它们的价值只来自于它们的广泛共识,以及背后政府和经济体的稳定。

尽管比特币是众所周知的“加密货币”,但是它也不能成为一种货币,因为它具有内在价值。虽然有些人会反对,但是比特币的发行方式确实与法定货币不同,比特币不会凭空创造出来。换句话说,挖比特币挖矿是有有形成本的,有趣的是,这一成本不仅用于发行比特币,也确保了比特币作为去中心化分布式账本和国际支付系统的功能性和可靠性。

价值储存也是货币的一个特性,但是两个概念不能等同。就比如,像黄金这样的贵金属可以被认为是货币,因为它符合大多数关键要求,比如可分割、耐用和便携等等,这跟比特币很类似。但是,黄金也同样缺乏被归类为货币的一个最重要的因素,就是人们普遍接受使用黄金作为支付方式。

 

比特币是金钱


 

虽然比特币已经已被证明是一种优越的价值储存方式,但是它真的是货币吗?定义货币的六个关键特征是:耐用性、便携性、可分割性、统一性、有限供应量和作为一种支付方式的普遍接受性。

虽然比特币遵守前五条规则,但是它并不是一种被普遍接受的支付方式。的确,现在我们确实可以线上和线下看到一些接受比特币支付的商家,甚至一些政府也接受比特币作为纳税手段,但是与美元等法定货币相比,比特币还远未被“普遍接受”。那么,就像黄金一样,比特币实际上并不是货币。这里的问题是,比特币能成为货币吗?

 

比特币能变成货币吗?


从理论上讲,如果比特币得到广泛使用,它可以变成货币,但是它有各种技术限制,这使得它在目前的形式下作为货币是不切实际的。

Nexo首席执行官安东尼·特伦切夫在权衡比特币作为一种价值储存方式及其作为货币的潜力时就曾指出,比特币的复杂性是其主要限制之一。

他说道,“使用起来还是有点奇怪和不舒服。它不会像你的信用卡那样自然而然地付款。包括Nexo在内的许多公司都在致力于解决这一点,但是它的使用仍然是一款非常复杂的产品。”

虽然使用比特币对某些人群来说似乎相当简单,但是在某些情况下使用也会变得非常昂贵。就比如,一笔标准的比特币交易的成本大概是0.02美元到0.10美元不等,在向国外转账时,这笔费用确实相当便宜,但在用于小额转账和支付时,这笔费用可能就会很高。

此外,比特币网络还有严重的拥堵问题,并且愿意支付较高手续费的人会得到优待,而手续费较低的交易则会被延迟打包到之后的区块。

2017年比特币牛市期间,比特币网络拥的堵程度创下了历史新高。它几乎不能用于正常的转账和支付,每笔交易的手续费甚至达到了50美元,一些交易需要几个小时甚至几天的时间才能确认。

从那时起,人们用了像SegWit(隔离见证)这样的改进来提高比特币网络的吞吐量。但是即使如此,这对比特币作为主流货币形式来说依然说明不了什么,因为相比传统的中心化支付方式,比特币网络的处理速度依然远远不及。

 

比特币VS黄金:数字时代的新价值储存方式


 

虽然像闪电网络这样的解决方案正在寻求解决比特币的上述问题,提供一个第二层网络,在那里可以以更低的费用进行微交易,而不会阻塞比特币的原始网络,但是也远远没有得到普及。

即使比特币无法作为一种货币形式达到大规模使用,但是安东尼·特伦切夫还是预测比特币价格在2020年将达到5万美元,他表示:

“最早的说法是比特币将成为一种革命性的货币和P2P支付系统。我认为这在任何方面都没有实现。比特币具有货币的功能,但它更多地还是被用作价值储存和价值转换,特别是在数额较大的情况下。”

另一方面,Bankera首席执行官Vytautas认为,比特币达到被广泛接受的货币的地位只是时间问题。他说道,“比特币本身不会失败,问题是技术(硬盘、宽带等硬件)需要多长时间才能改进,才能让比特币规模扩大,并作为一种被广泛接受的支付方式发挥作用。”

即使这些技术解决方案没有完全按照计划发挥作用,比特币作为一种可靠的价值储存手段,其稀缺性也可以使其成为一项非常有吸引力的投资,是抵御当前地缘政治和经济不稳定的绝佳对冲手段。所以对比特币来说,前景仍是光明的。

高通胀率和激进的货币政策在历史上推动了黄金需求,比特币也可以这么说,尽管多次尝试,但比特币仍证明自己可以有效抵制政府干预。

 

比特币是如何使用的


 

虽然比特币作为货币存在局限性是不可否认的,但克服这些技术限制肯定会带来难以想象的优势,特别是在货币政策激进、人口中没有银行账户的比例很高的国家。在委内瑞拉等恶性通胀的国家,对数字资产的需求也会继续飙升。

比特币未来可能不会是一种广泛使用的货币形式,但它作为价值储存和避险资产的优势是不可否认的。就像之前的黄金一样,经济危机和通货膨胀都会推动比特币的需求。随着首批比特币受监管衍生品的推出,机构的需求也会飙升。

尽管中本聪发明比特币的初衷是为了创造一个“点对点的电子现金系统”,但是比特币的使用方式和现实生活中的表现才将决定它真正是什么,会变成什么。

比特币目前的使用主要是投机性的,每天在网络上转移的价值只占其交易量的一小部分。虽然一些人关注这些数据是为了谴责比特币是泡沫,但也可以认为,比特币目前除了是一种价值储存方式或者金钱之外,还有一个重要的作用,就向更广泛的受众打开投资的大门。

 

不仅仅是一种货币或资产


 

虽然人们可以就比特币的当前和未来定义进行辩论,但有一件事似乎是普遍同意的:比特币的底层技术区块链将会继续存在,而且其应用潜力已经远远超出了货币领域。

就像任何新的、突破性的技术一样,人们强烈需要一个广泛的应用案例,并随后大规模应用。区块链、智能合约才刚刚开始,你可以把它比作新生儿。然而,在现代世界中,理解和采用新技术是一个相当快的过程。一旦用户看到了一个明确的、通常是经济上的好处,它就会很快被采用,即使不知道这项技术是如何运作的。

正如古希腊哲学家柏拉图所说“需要是发明之母”,虽然很难说这项发明在未来会是什么样子或用途,但比特币及其基础技术的诞生显然是出于对金融格局变革的需求。在这种变化到来之前,比特币也会变得越来越重要。

New Malta Government Says It Still Wants to Run a ‘Blockchain Island’

What can I do to prevent this in the future?

If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware.

If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

Bitcartcc’s Merchant Solution: Developer Builds Self-Hosted Btcpay Alternative Supporting Bitcoin Cash

Bitcartcc's Merchant Solution: Developer Builds Self-Hosted Btcpay Alternative Supporting Bitcoin Cash

Bitcartcc’s Merchant Solution: Developer Builds Self-Hosted Btcpay Alternative Supporting Bitcoin Cash

On February 28, Bitcoin Cash (BCH) proponents were introduced to a new platform called Bitcartcc. The project is a self-hosted open source payment processor that allows merchants to accept bitcoin cash easily. Bitcartcc was created because the developers behind the popular application Btcpay refuse to add support for BCH. Bitcartcc was built so anyone can leverage a “light and fast solution” for accepting bitcoin cash payments.

Also read: Record Breaking Interest – Observing the Predictive Power of Bitcoin Futures Over BTC Spot Prices

Bitcartcc: Self-Hosted, Open Source Payment Processor With Bitcoin Cash Support

A new self-hosted open source payment processor called Bitcartcc was unveiled on Friday, as the application’s creator announced the project via the read.cash blog. The developer’s announcement explained that the well known Btcpay server, another open source payment processor, refuses to implement bitcoin cash (BCH) support and they believe the organization won’t be adding BCH anytime soon.

Bitcartcc's Merchant Solution: Developer Builds Self-Hosted Btcpay Alternative Supporting Bitcoin Cash

Because of Btcpay’s stubborn refusal, Bitcartcc’s creator decided to construct an alternative. The project was also spawned because Bitcartcc’s programmers wanted to accept cryptocurrencies with their newly developed Telegram bot without any fees. “We had limited funding [and] we needed a light solution too,” the Bitcartcc developer wrote on Friday. “Btcpay didn’t work, nothing did,” he added. The creator of the self-hosted Bitcartcc platform also stated:

[Bitcartcc] is a light and fast solution for accepting cryptocurrency payments in your stores and apps, now supporting Bitcoin Cash — It is a self-hosted solution too, so you can be free of third-party for even just $3.5 a month, or even cheaper.

Bitcartcc: Developer Builds a Self-Hosted Btcpay Alternative Supporting Bitcoin Cash
The admin panel’s main page.

Bitcartcc’s documentation shows a number of deployment methods people can use with the application like CLI, GUI, and a Telegram bot. It suggests hosting options like Lunanode, Azure, Google, Docker, hardware deployment​, third-party hosting​, Raspberry Pi deployment, and ​manual deployment. The types of people and groups who could utilize Bitcartcc include online merchants, and physical brick-and-mortar retailers. Bitcartcc can also provide benefits to those working with freelancer payments, invoices, bill pay, charities, local payment processors, exchanges, developers, hosting providers, and even offchain Lightning Network payments. Bitcartcc highlights the attributes of the open source self-hosted solution which also includes:

  • Saving money (no fees, no subscriptions)
  • Cutting out the middleman (payments go directly to your wallet)
  • Enhancing privacy for you and your customers (no address re-use, no IP leaks to third parties)
  • Saving time (easy integration and installation)
  • Protecting yourself from interference in your business (self-sovereignty)
  • Decreasing the development time as we have ready solutions available for any kind of store
Bitcartcc: Developer Builds a Self-Hosted Btcpay Alternative Supporting Bitcoin Cash
The Bitcartcc developer’s announcement highlights that the payment processor offers “full control.”

Bootstrap an Online or Physical Store in Seconds

People who already have an existing website can use Bitcartcc with the Woocommerce plugin. “We have a powerful web admin panel to manage your stores (yes, you can manage multiple stores with one instance), products, and invoices,” the Bitcartcc developer stressed sharing a demo of the admin panel and a store demo. “If you’re a starting merchant with no coding experience, we’ve got you covered,” Bitcartcc continued. “Full-featured ready store, automatically fetching products you have inserted in the admin panel. You can bootstrap your own online or physical store in seconds.” Bitcartcc’s creator remarked that there are “unlimited possibilities” and the team built Bitcartcc on top of Electrum and Electron Cash with a number of forks.

Bitcartcc: Developer Builds a Self-Hosted Btcpay Alternative Supporting Bitcoin Cash
Bitcartcc offers users the ability to update and clean up their servers.

On Reddit and social media, Bitcartcc was welcomed by the Bitcoin Cash community. “Nice project and very active programmer, wish you success,” one person wrote in response to the Bitcartcc project on r/btc. “Btcpay is all politics that align with Blockstream — They even support Adam Back’s shilled bitcoin gold over bitcoin cash and of course Blockstream’s very own Liquid which has literally near [zero] usage,” another person replied. The Bitcartcc programmer who goes by the name ‘Mr. Naif2019’ on Reddit said he has an entirely different vision than Btcpay. Bitcartcc’s developer stated:

In my project I am going to focus on community — Community thoughts are important, and because of community asking I have added Bitcoin Cash support. I want this project to be a solution for everything, polished with time and community ideas.

What do you think about the Bitcartcc self-hosted payment processor? Let us know what you think about this subject in the comments section below.

Disclaimer: This article is for informational purposes only. It is not an offer or solicitation of an offer to buy or sell, or a recommendation, endorsement, or sponsorship of any products, services, or companies. Bitcoin.com does not provide investment, tax, legal, or accounting advice. Neither the company nor the author is responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in this article.


Image credits: Shutterstock, Bitcartcc, read.cash, Fair Use, Wiki Commons, and Pixabay.


Are you looking for a secure way to buy Bitcoin online? Start by downloading your free Bitcoin wallet from us and then head over to our Purchase Bitcoin page where you can easily buy BTC and BCH.

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Jamie Redman

Jamie Redman is a financial tech journalist living in Florida. Redman has been an active member of the cryptocurrency community since 2011. He has a passion for Bitcoin, open source code, and decentralized applications. Redman has written thousands of articles for news.Bitcoin.com about the disruptive protocols emerging today.

Did Stock Markets Lose Value Worth 694,573,873 Bitcoins this Week?

stock market crash bitcoin scale Bitcoin

Did Stock Markets Lose Value Worth 694,573,873 Bitcoins this Week?


After the shock of the coronavirus, stock markets turned down, erasing $6 trillion of value within a week. Here is how this value compares with Bitcoin.


Stock Markets Still Make Bitcoin Valuations Look Insignificant

The stock markets, a centuries-old and highly developed system handle trillions in value. A flash crash last week erased around $6 trillion in just a few days, after a panic sell-off based on fears of economic slowdown and a recession. The rapid index decline is massive in comparison to the scale of BTC trading.

A rough calculation estimated that the stock market erased value worth 694,573,873 Bitcoins.

Of course, the total supply of Bitcoin will be only 21 million coins, which means the stock markets erased 33 times the hypothetical total supply of BTC. Stock markets reflect immense economic activity, and this is taken as a sign that in cases of wider Bitcoin adoption, the leading crypto coin may represent more significant value.

Currently, Bitcoin trading is relatively small in comparison to stock markets, even at $43 billion per day. Real liquidity may be even lower. But if BTC starts trading on par with more traditional assets, there are even higher limits to its potential valuation.

BTC May Have Unlimited Size Based on Traditional Asset Valuations

The New York Stock Exchange boasts of companies valued close to $30 trillion in total. To map that kind of value, BTC would have to cost more than $1.5 million per coin, a still outlandish valuation that is envisioned in a scenario of “hyperbitcoinization.”

The market cap of BTC is now that of a mid-range company, not even close to tech giants which are valued at around $1 trillion or above. The potential upside of Bitcoin is thus quite significant if the asset starts to appeal as a mainstream investment. The large discrepancy in money valuation shows the long-term potential and the possibility that BTC is just starting to become accepted.

The Bitcoin correlation to the stock market is rather paradoxical. BTC absorbs inflows from enthusiastic traders who do not yet see fears of a recession. For that reason, Bitcoin largely follows the general direction of stock markets.

But on some occasions, BTC spikes during crisis news, acting as an offset to falling stock indexes. Bitcoin is also highly volatile, showing the possibility of rapid appreciation.

What do you think about the latest stock market moves in relation to Bitcoin? Share your thoughts in the comments section below!


Images via Shutterstock, Twitter: @blockfolio, @KevinSvenson_

区块链试水司法流程,监管科技亟须提升

来源:中国经营报

近来,监管科技的探索被频繁提起。2020年2月14日,《关于进一步加快上海国际金融中心建设和金融支持长三角一体化发展的意见》(以下简称《意见》)正式发布。其中特别提到要加强金融科技在监管领域的应用。

此外,央行、证监会等近期都提到了金融科技创新监管的问题。对此,中国(上海)自贸区研究院金融研究室主任刘斌向《中国经营报》记者表示,大数据、人工智能、区块链、云计算等新兴技术在金融领域的应用推动了金融科技的发展,但技术是一把双刃剑,在提高效率的同时,也会带来潜在的风险,由此对监管科技提出了新的需求。

 

金融科技发展双刃剑


《意见》中表示,要加强金融科技在监管领域的应用,牢牢守住不发生系统性金融风险的底线。同时,支持金融机构和大型科技企业在临港新片区内依法设立金融科技公司,积极稳妥探索人工智能、大数据、云计算、区块链等新技术在金融领域的应用,重视金融科技人才培养。

在2020年证监会系统工作会议上,部署了2020年重点任务,其中之一便是以科技为支撑,进一步增强监管效能。会议中,特意提到了在监管中要积极探索区块链等创新金融科技的应用。

此外,今年1月时央行营管部也曾表示,将进一步探索构建符合我国国情、与国际接轨的金融科技创新监管工具,引导持牌金融机构在依法合规、保护消费者权益的前提下,运用现代信息技术赋能金融提质增效,营造守正、安全、普惠、开放的金融科技创新发展环境。

 

为何近期强调了监管科技的探索?


 

刘斌认为,新兴技术推动了金融科技的发展,但同时也会带来潜在的风险。比如大数据的应用可以聚合和分析大规模数据集,但是在目前我国数据法律法规尚未完善的情况下,大数据在金融领域的应用,尤其是个人金融信息的收集和使用方面会造成潜在的风险,导致个人隐私泄露。

同时,随着人工智能在金融领域应用的加快,未来也会出现潜在的风险,比如人工智能算法的公平性和伦理问题,如何确保人工智能算法的安全性和稳健性,同时也要防止人工智能算法对某些特定人群存在歧视等等。还有就是随着人工智能在投资领域的应用,投资行为的趋同性会越来越明显,这就有可能产生潜在的系统性风险。

区块链技术的应用在优化传统业务流程的同时,也会产生不可预估的风险。比如在金融领域广泛应用的联盟链中,如何确保链上数据的安全性,确保涉及业务机密的信息只有获得授权的主体才能访问,防止商业敏感信息的泄露等等。

因此,从目前的实际来看,金融科技的应用提高效率的同时,也带来潜在的风险,传统的监管手段无法对金融科技带来的风险进行有效监管,所以近期监管机构也特别强调要发展监管科技。

刘斌进一步补充道,目前来看,国内监管科技的发展跟国外相比还存在很大的提升空间。国外的监管科技已经发展成为金融科技领域一个比较强大的细分领域,并且在企业数量和规模上都远远超过国内,这主要是由于金融机构和监管部门的双重需求推动的,而目前国内金融机构对于监管科技中合规科技的需求还非常小,制约了国内监管科技的发展。

“所以我们也看到国内的监管科技还没有形成一个明显的产业,而且也没有像国外一样出现以监管科技服务为主要业务的监管科技企业群体,这点随着政策和制度的完善,也需要金融机构加大这方面的投入。”


 

区块链先行一步


 

关于区块链技术与金融监管有哪些结合点,具体可以做些什么?

对此,北京信任度科技CEO马臣云认为主要分三方面:

其一,被监管对象的关键业务数据(经营数据、报表等)、关键业务流程上链。事前存证,方便事后审计确定数据的真实性。

其二,引入智能合约,可以把关键的业务规则、监管部门的要求等代码化,合约化,使得业务规则按照事前定义的规范运行,降低人为操作,违法越界等行为。

其三,和互联网法院的区块链存证平台打通,使得存证具备司法背书,一方面对潜在纠纷预防,一方面也对监管部门以约束,提升整个机制的透明度、权威性。


记者注意到,作为金融监管之一的司法流程中目前已经有了金融科技的应用。恒生电子的范太链以及北京信任度科技的TDChain产品就分别为杭州、北京互联网法院提供区块链技术支持,建设电子证据平台。

马臣云告诉记者,随着数字经济的发展,各类网络民事纠纷也随之增多。而互联网资产具有海量、传播快、易流失的特点。传统的被动响应式审判模式、电子证据的认定模式无法适应新时期司法审判的需要,显现出存证难、认证难、认定难等问题。

对此,范太链产品技术专家胡慧潘向记者介绍,区块链技术通过电子证据平台的形式嵌入了司法流程。电子签约平台与电子证据平台对接后,平台下用户签署的合同,对应的数字指纹就同步到基于区块链的电子证据平台,法院方面可直接调取。这样做的好处,

一方面由于全节点同步而且电子证据间形成链式结构,每一个后续区块都会包含前一区块的哈希值(hash),可以防止篡改。

另一方面从程序上方便相关的机构进行举证和质证,与此同时,传统的证据复制可能发生损坏或篡改的问题也得以解决。


不过,数据上链后,如何保证其隐私安全?马臣云表示,事实上从监管应用的角度,数据上链不需要原文上链,数据哈希值上链即可,待审计抽查的时候,才需要拿出原始数据。

胡慧潘表示,金融科技在监管系统中最重要的是提升监管的穿透性和高效性。恒生电子也在探索区块链在金融系统中追本溯源的应用,比如将监管的规则或逻辑写入区块链智能合约,随后代替人工监管嵌入业务流程中,一旦智能合约校验到不合规的业务,则流程不能进行下去,从而及时防范风险事件的发生。

Crypto’s Wealthiest Man, CZ, Claims to Have Not ‘Cashed in’ Since Launching Binance

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Crypto’s Wealthiest Man, CZ, Claims to Have Not ‘Cashed in’ Since Launching Binance

cryptos-wealthiest-man-cz-claims-to-have-not-cashed-in-since-launching-binance

Changpeng Zhao, CEO of leading cryptocurrency exchange Binance, claims to have not cashed in on any of his cryptocurrency holdings since launching the platform. Zhao made his comments in a post to Chinese social media platform Weibo. 

He said (roughly translated):

Looking at the wallet… I haven’t cashed in since Binance. Binance is still a baby and continues to grow.

Zhao was replying to the most recent iteration of the Hurun Rich List, which catalogs the world’s wealthiest citizens. According to the report, Zhao has overtaken Bitmain co-founder Micree Ketuan Zhan to become the world’s wealthiest person involved in blockchain and cryptocurrency, with an estimated net worth of $2.6 billion. 

Zhao posted a tweet poking fun at the report, while reiterating his commitment to continuing to grow Binance. 

In addition to Zhao and Ketuan, OKCoin founder Xu Mingxing, Ripple’s Chris Larsen, Huobi founder Leon Li, and Coinbase CEO Brian Armstrong rounded out the top six wealthiest crypto moguls with net worth’s over $1 billion. 

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