为什么比特币 ？ 进展和争论

Hetbert

USV管理合伙人：数字货币将价值数万亿美元

据newsbtc消息，风投公司Union Square Ventures的管理合伙人Albert Wegner在接受CNBC采访时表示，USV已将其大部分资金分配到数字货币市场作为长期投资，并打算继续投资新兴市场数字货币和区块链初创公司。Wegner表示，无论哪种数字货币能够存活下来，无论未来出现什么大的泡沫，都将价值数万亿美元。

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Union Square Ventures is investing in crypto for the long haul, but won’t start a dedicated fund
New York- based Union Square Ventures is taking a long-term bet on crypto, but unlike some VC peers, it won't break out a separate fund to do so.
“We see a lot of upside to keeping it under the same roof," says Albert Wenger, managing partner at Union Square Ventures.
On Monday, competing venture capital firm Andreessen Horowitz announced its first-ever fund dedicated to crypto companies.
Kate Rooney        | @Kr00ney
Published 4:08 PM ET Fri, 29 June 2018  Updated 4:23 PM ET Fri, 29 June 2018
CNBC.com
Albert Wenger, Managing Partner at Union Square Ventures
Clodagh Kilcoyne | Getty Images
Albert Wenger, Managing Partner at Union Square Ventures
Union Square Ventures has big plans to profit on a potential trillion-dollar business in blockchain and crypto in 10 years. But those plans won’t include starting a separate fund, according to a top executive.

“We're not planning to do it,” Albert Wenger, managing partner at Union Square Ventures told CNBC. “We see a lot of upside to keeping it under the same roof.”

The New York- based venture capital firm, named after its 19th-floor office on Broadway just blocks from Union Square, has announced a number of crypto investments, including well-known U.S. exchange Coinbase. Wenger said those companies can learn from non-blockchain companies, and vice versa.

On Monday, competing venture capital firm Andreessen Horowitz announced its first-ever fund dedicated to crypto companies. Executives told CNBC that it’s an “all-weather” fund that they plan to invest over time, regardless of market conditions.

Union Square Ventures, like its West-coast peer, is taking a long-term view of the space despite worsening bear market in cryptocurrency. The firm is focusing investments on what Wenger called the “foundational plumbing” stage. For the most part, it's putting money in the technology supporting applications, instead of the apps or use cases themselves.

“Investors are rationally pouring a lot of money into this sector, because I think people are seeing the winning blockchain here might be worth a trillion, or a couple of trillion dollars,” Wenger said. “It’s not at all crazy to think that.”

Wenger echoed Apple co-founder Steve Wozniak, who said this week that blockchain could be a bubble, with companies going belly-up at the same rate as the dot-com era. But he said that risk could pay off for investors who get in early, and spread their bets.

“Certainly, for any one particular project there's an extremely high chance it won't work,” Wenger said. “As a result, if it works, the rewards will be very high.”

ICO flops

The shakeout at least for initial coin offerings, or ICOs, has already begun. More than 1,000 crypto projects that raised money through an ICO have failed this year, according to website Coinopsy. Those failed coins and multiple scams, which caught the attention of regulators this year, have cast a cloud on the entire industry, Wenger said.

“You've had a series of ICOs where investors have purchased at steep discounts — the second it starts trading those investors cash out, they make a handsome return, and someone else is left to hold the bag,” he said.

While Wenger said token offerings are an "innovative new financing mechanism," he maintained that the method isn't right for every blockchain project, just like a public stock offering isn't right for every company.

ICOs raised $6.6 billion in 2017 and have hit $9.1 billion this year, according to research firm Autonomous Next. A Cayman Islands start-up notably raised $4 billion, eclipsing the world's biggest initial public offerings on stock exchanges this year. But the total a project raises might not really matter, according to Wenger.

"The amount you've raised in an ICO or in a traditional way in this space is not going to turn out to be a great predictor of success," he said. "Very interesting projects are also being pulled off on a lot, lot, lot less money."



Bitcoin

Wenger, who holds a Ph.D. in information technology from MIT, personally owns bitcoin but says he is acutely aware of the risks to retail investors. The cryptocurrency, which Union Square Ventures also invested in, has fallen nearly 60 percent this year after a meteoric rise to nearly $20,000 last year.

“I don't think you should be in the space and say 'I'm only going to hold bitcoin,'” he said. “At the moment, this whole space is a high risk space, and I don’t think anybody should be investing all of their life savings.”

As far as the entire sector failing, Wenger said there's a chance but it's "a pretty small chance."

“The stuff that actually works will float to the top," he said. "It might take a while, but time will tell.”

Hetbert

中国银行前副行长：央行的货币数字化只能是现有法定货币



福建省海峡区块链研究院院长、中国银行原副行长王永利在世界金融论坛上表示，法定货币体系下，不代表我们没有代币、商圈币、饭卡、购物卡，这些都可以有。而央行的货币数字化，只能是现有法定货币的数字化。

Hetbert

Hetbert 发表于 2018-7-1 17:24
中国银行前副行长：央行的货币数字化只能是现有法定货币

王的意思和Ron Paul相似，加密币和法币可以共存的，只是表达方式更有威权政府的色彩。

Hetbert

数字货币等可能成为日本经济的新推动力

据sputniknews消息，未来几年，日本可能会迎来区块链的繁荣。一些企业首席执行官和央行官员表示，数字货币、国内创新金融服务和金融科技的扩张，可能取代对外贸易，成为日本经济的新推动力。

据CCN消息，日本金融服务厅（FSA）主管Nobuchika Mori预计今夏将离开。据悉，从日本整合数字货币交易的国家许可计划开始，Mori和他的监管机构团队一直致力于实施可以创建创业公司和创新金融科技公司的生态系统。截止6月28日，CryptoCompare统计数据显示，日本市场占全球比特币交易量的62％以上，是美国的近四倍。

Hetbert

中钞区块链技术研究院院长：数字货币是数字经济发展的必然需要



在世界金融论坛上，中钞区块链技术研究院院长张一峰表示，数字经济是生产相对发达，交易推动型的经济。需要最大可能的降低交易成本，提高效率。数字货币是数字经济发展的必然需要。乱七八糟的币，不能当做货币。
到现在为止，还没有找到让BTC价格稳定的方法。而BTC的投机氛围浓厚，没有摆脱庞氏骗局的阴影。看不到比特币能够承担数字货币的前景。下一代的数字货币，需要有国家信用做保证。而法定货币不是一蹴而就的事情。

Hetbert

量子链帅初：加密货币与现有监管和中心化实体有一定冲突，这是一个比较漫长的过程
量子链创始人帅初在“世界区块链大会·乌镇”分会场上表示，关于加密货币，背后有很多深刻的理念，有很多想法，我大概列了一些：第一，本身比特币诞生在网络当中没有特权节点的，这个网络是完全对等的网络，所有人在网络当中拥有相同的权利。第二，没有进入的门槛，早期比特币的快速发展其实是得益于它是一个无需许可的网络，任何人可以自由的加入和自由的退出。第三，有非常好的对于资金管理的方式，如果非常熟悉比特币的多重签名的解决方案会发现比把钱存在银行更加安全，因为是基于网络世界构建的虚拟资产。第四，从信息不对称系统到信息对称系统会带来共识，就会没有欺骗，没有欺诈，因为所有人有权利验证这样一个网络。第五，整个加密货币注定是一个漫长的路径，因为它必然和现有的监管、现有的中心化的实体有一定冲突，这个需要监管的介入、法律的完备，这条路径我个人觉得是比较漫长的路径。

Hetbert

比特大陆联合创始人：区块链产业的发展速度取决于token的合法化进度

在“世界区块链大会·乌镇”分会场“AI·跨界”上，比特大陆联合创始人詹克团表示，在人工智能时代，数据是最重要的生产资料。区块链将进一步改造生产关系，使之更适应未来的AI时代。未来真正的区块链企业、真正的商业典范是把自己的商业模式和经济活动直接建立在区块链之上的企业，发行自己的token。token天然是股票，具有股票的所有属性，而且优于股票，token同时也是天然的交易等价物。区块链产业的发展速度取决于token的合法化进度。

Hetbert

三星风投高管：在区块链行业，新玩家可超越谷歌、亚马逊



三星旗下创新部门——三星Next负责科技创业公司投资的布兰登•金（Brandon Kim）近日表示：“我们正在将去中心化作为我们投资的基本主题，其中包括人工智能和区块链技术。谷歌、亚马逊和其他大型互联网平台可能认为，去中心化对他们是一种威胁，因此他们正在积极投资去中心化初创公司。”布兰登•金解释说，在平台自己保留数据的时代，谷歌、Facebook等是支配性因素，但在个人拥有数据主权的去中心化时代，新玩家可以通过充分利用区块链技术而崛起。

Hetbert

中国人民银行金融研究所前所长：金融市场的流动性不足，使得数字货币大行其道



在世界金融论坛上，中国人民银行金融研究所前所长姚余栋称，在各大央行宽松货币政策走向紧缩之际，全球性流动性紧缩将是未来的常态，通缩压力加剧，而非通胀，使数字货币大行其道。

Hetbert

Hetbert 发表于 2018-7-1 17:44
中国人民银行金融研究所前所长：金融市场的流动性不足，使得数字货币大行其道

这个观点蛮新颖的。

西方的观点是正相反，流动性不足以后，投机比特币的资金面紧张，币价会跌。

也许他想表达的意思是，人民币换汇太难了，所以数字货币大行其道。。。

Hetbert

Coinbase 5月存款增速>提现增速 半年来首次转正

位于旧金山的银行创业公司Chime基于50万名、年龄在25-35岁之间的活跃用户的样本分析称，Coinbase今年5月的存款增速大于提款增速，比例约在10%，即每1美元的提现，便对应着1.1美元的存入，实现半年来的首次转正。而去年12月至今年4月期间，该平台存款增速一直小于提现增速，并在4月首次出现年内资金净流出现象。

Hetbert

奥地利金融市场监管局官员提出建议拟加强数字货币监管

据Cointelegraph消息，奥地利金融市场管理局（Austrian Financial Market Authority，FMA)高官Klaus Kumpfmüller和Helmut Ettl近日提出建议，意在加强数字货币监管。Kumpfmüller要求对ICO提出类似招股说明书的门槛要求，FMA将合理门槛定义为200万欧元。数字货币分销商应该有特许权义务，将来可能把数字货币视为证券。Ettl针对金融机构的现有规则提出建议，称买卖外币需要许可证，而买卖数字货币不需要。去年FMA向公诉人办公室提交了近30份与违法数字货币和ICO相关的声明。



Austrian Financial Authority Calls for Tighter Regulation of ICOs and Cryptocurrencies
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Austrian Financial Authority Calls for Tighter Regulation of ICOs and CryptocurrenciesNEWS
Board directors of the Austrian Financial Market Authority (FMA), Klaus Kumpfmüller and Helmut Ettl, have have offered proposals for stricter regulations on cryptocurrencies and initial coin offerings (ICOs), Cointelegraph auf Deutsch reports today, June 29.

According to an article published in the Austrian newspaper Die Presse on the June 29, Kumpfmüller proposed a "threshold-dependent" prospectus requirement for ICOs similar to that of securities. The FMA executive committee defined a "reasonable" threshold as two million euros. In addition, according to Kumpfmüller, there should be a concession obligation for distributors of cryptocurrencies and that these "will be treated like securities in the future".
Ettle compared the proposed regulations to existing restrictions on financial institutions, "For the purchase and sale of foreign currency you need a mini-bank license." So far, trading cryptocurrencies has no such analogous regulation under Austrian law. Last year, the FMA submitted around 30 statements regarding suspected legal violations in connection with cryptocurrencies and ICOs to the public prosecutor's office.
According to Die Presse, FMA board members expressed their discontent with Austria's Finance Minister, Hartwig Löger, who wants to strip the agency of some of its authority. In regular disputes between the FMA and the auditing authority (OePR), Löger calls for more "regulatory responsibility at the ministerial level", which the FMA should then "reasonably execute."   
According to the FMA executive board, matters such as money laundering have so far only been superficially regulated by law, and further oversight by the ministry should be seen as a positive development. However, there are "no serious problems" with regard to supervision and accounting, so transfer of competences would likely be regarded as "a political decision". Ettl said it was crucial that the FMA retains "integrated and independent supervision."
However, with regard to tightening regulations on cryptocurrencies, the FMA and the Finance Minister are not so far apart. When Löger called for tighter rules in the crypto sector in February, and for early regulation at the European level, both Ettl and Kumpfmüller approved and offered their participation in a "FinTech Regulatory Council" proposed by Löger.

Hetbert

杭州市金融办倪骅：区块链完全符合“最多跑一次改革”对数据的需求



在“世界区块链大会·乌镇”分会场上，杭州市金融办倪骅表示，在“最多跑一次改革中”在数据方面面临五大难题，包括数据历史追溯难，跨界共享难，集中归置难，隐私保护难，全责任认定难；在改革时，希望能够保证数据安全、数据的新鲜度、数据共享的便捷性、数据收集和共享的低成本以及可监管性。基于以上，区块链完全符合“最多跑一次改革”对数据的需求。

Hetbert

普华永道报告：今年ICO筹资额已是去年全年筹资额的2倍

据普华永道与瑞士加密谷协会（Crypto Valley Association）合作报告，尽管数字货币价格在下跌，ICO数量仍在暴涨。2018年开年以来，已经有537次ICO筹集到了约137亿美元资金。去年全年发生552次ICO，筹集到资金70亿美元。平均ICO筹资额度也几乎翻倍，从2017年1280万美元涨至今年2550万美元。
美国、新加坡、瑞士是全球三个ICO中心。美国采用集中式系统，ICO把代币被视作证券。欧洲监管存在差异化趋势，如FINMA从三个角度看待代币，分别是资产、支付手段、实用代币，这些不构成实际投资且允许买方接触ICO。亚洲对ICO态度分化很大，有绝对禁止的也有绝对支持的。



PwC Report Finds That 2018 ICO Volume is Already Double That of Previous Year
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PwC Report Finds That 2018 ICO Volume is Already Double That of Previous YearNEWS
According to a joint report from consulting firm PwC and the Swiss Crypto Valley Association, Initial Coin Offerings (ICOs) are booming despite the price collapse of cryptocurrencies, Cointelegraph auf Deutsch reports today, June 29. PwC found that ICO volume reached new record highs in the first half of 2018.

Per the report, between January and May 2018 alone, ICO volume is already twice as much as it was during the entire year of 2017. PwC Switzerland writes in an accompanying press release:
"In total, 537 ICOs with a total volume of more than $13.7 billion have been registered since the beginning of the year. In comparison, in 2017 there were a total of 552 ICOs with a volume of just over $7.0 billion. Also, the average size of an ICO has almost doubled from $12.8 million to over $25.5 million since last year. "
Special mention is made of the ICOs of Telegram and EOS, which reached into the billions. Telegram raised $1.7 billion through its ICO, while EOS raised over twice as much at $4.1 billion.
According to the ICO report, the U.S., Singapore, and Switzerland are now the three most important ICO hubs worldwide, largely due to progress in regulation. Switzerland in particular benefits from the ‘Crypto Valley’ of Zug with its consistent focus on blockchain and fintech startups. Smaller countries and city states such as Hong Kong, Gibraltar, Malta or Liechtenstein have seen some success, having copied the crypto-friendly models of Singapore and Switzerland.
Regarding regulation, the authors identified three different approaches that are currently being implemented worldwide:
"The US uses a centralized system in which all tokens offered by ICO are traded as securities. In Europe, on the other hand, a differentiated regulation prevails. FINMA, for example, classifies tokens into three sub-types: asset, payment and utility tokens, which do not constitute an actual investment but allow the buyer direct access to the product or service of the ICO. Finally, in Asia, regulation is very heterogeneous, ranging from strict prohibition to active promotion of ICO projects. "
Regulators and traditional financial institutions remain skeptical of ICOs, and have criticized their lack of oversight in certain jurisdictions. Nasdaq CEO Adena Friedman recently claimed that ICOs pose “serious risks” to retail investors due to regulatory shortcomings. Earlier this month, SEC chairman Jay Clayton reiterated the agency’s position that ICOs are securities and should be regulated as such.

Hetbert

工信部工业经济研究所所长于佳宁：区块链发展有六大趋势



在“世界区块链大会·乌镇”分会场上，工信部工业经济研究所所长于佳宁指出，区块链发展有以下六大趋势：

1.区块链成为全球技术发展的前沿阵地，开辟国际竞争新赛道；
2.区块链领域成为创新创业的新热土，技术融合将拓展应用新空间；
3.区块链未来三年将在实体经济中广泛落地，成为数字中国建设的重要支撑；
4.区块链打造新型平台经济，开启共享经济新时代；
5.区块链加速“可信数字化”进程，带动金融“脱虚向实”服务实体经济；
6.区块链监管和标准体系将进一步完善，产业发展基础继续夯实。

区块链服务实体经济的基本逻辑有以下几点：
1.产业协作环节信息化；
2.电子信息可信化；
3.数据资源资产化；
4.“信任传递”的数据资源共享机制；
5.平台机构自证清白；
6.政府实现穿透式监管；
7.多主体平等协作联盟组织。

Hetbert

伊朗持有数字货币仍优于法定货币

据CCN消息，根据数据统计及恶性通货膨胀率为132%来计算，预计到2018年底伊朗的法定货币里亚尔至少还将下跌57％。而这样的比例依然超过BTC的下跌幅度。目前BTC已从历史最高价19500美元，下跌了70%.

Hetbert

加密货币投资者相信比特币是一项改变世界的技术

据btcmanager消息，根据视觉资本家的说法，41%的投资者购买比特币是因为他们“相信比特币是一种改变世界的技术”。另有22%的人认为比特币是“一种长期的价值储存手段，比如黄金或白银”。
15%的投资者被朋友、家人或值得信赖的消息来源说服，14%的投资者认为比特币是一项伟大的投资，因为“价格很低，而且还会继续上涨”。只有8%的人认为比特币是一种“交易或购买的好媒介，投资的少”。
超过60%的投资者在2017年参与了加密货币的投资，56%的持有加密货币的投资者计划在未来12个月内投资更多的加密货币。
因为像历史平均或比率这样的定量数据非常有限，像投资者情绪和投资者决策过程背后的原因这样的定性数据在一个新兴快速增长的市场中就很重要。在这种情况下，当事情走下坡路时，正如《商业内幕》(Business Insider)杂志报道的那样，“总会有大批人逃离的可能性。”

Hetbert

Edelman金融服务执行主席：加密货币是合法资产类别 投资者应考虑投资策略



据CNBC消息，Edelman金融服务的执行主席Ric Edelman表示相信例如比特币和以太坊的加密资产有着远大的未来，但投资者必须保持长期关注，并认识到比特币仍然像美国西部一样狂野。他认为，加密货币是一种合法的资产类别，可以使投资组合多样化，但对于任何投资者来说，应该只投资不到5％。投资者需要将比特币视为彩票，准备好失去的可能性。投资者还应考虑投资策略，以帮助降低风险。

https://www.youtube.com/user/RicEdelman

Hetbert

Stash Wealth创始合伙人：应拿出不多于3%的资金投资比特币







据CNBC消息，Stash Wealth创始合伙人Priya Malani表示，比特币是赌博，而不是投资。对于那些仍想购买比特币的人，她建议可以拿出一小部分资金投资购买比特币，应该是3％或更少。

[yt]BhRPyU5qdDQ[/yt]

Hetbert

Hetbert 发表于 2018-7-1 18:13
Stash Wealth创始合伙人：应拿出不多于3%的资金投资比特币

作为理财规划师的她的这个建议，槽点太多，但是在这个颜值即正义的看脸的社会，长得好看说什么都好听，我除了默默点赞，不打算评论什么了。。。

Hetbert

比特币跌幅逼近泡沫破灭时的纳斯达克市场

据彭博消息，去年比特币如同火箭般飙升，让很多观察人士将其称为人类历史上最狂热的投机之一。这种加密货币2018年的崩盘可能将巩固其在投机泡沫排行榜上的地位。截至本周五，比特币连续四天走低，较其12月高点已经下跌70%，越发接近美国互联网泡沫破灭后纳斯达克综合指数78%的跌幅。数以百计的其他虚拟币几乎归零，与2000年代初Pets.com和其他火热的IPO新股走势如出一辙。

Bitcoin's meteoric rise last year had many observers calling it one of the biggest speculative manias in history. The cryptocurrency's 2018 crash may help cement its place in the bubble record books.

Down about 70 per cent from its December high after sliding for a fourth straight day on Friday, Bitcoin is getting ever-closer to matching the Nasdaq Composite Index's 78 per cent peak-to-trough plunge after the US dot-com bubble burst. Hundreds of other virtual coins have all but gone to zero - following the same path as Pets.com and other red-hot initial public offerings that flamed out in the early 2000s.

While Bitcoin has bounced back from bigger losses before, it's far from clear that it can repeat the feat now that much of the world knows about cryptocurrencies and has made up their mind on whether to invest. Bulls point to the Nasdaq's eventual recovery and say institutional investors represent a massive pool of potential cryptocurrency buyers, but regulatory and security concerns have so far kept most big money managers on the sidelines.

"You'll have to see the market reverse before you see" institutions pile in, Peter Smith, chief executive officer of Blockchain, which introduced a crypto trading platform for professional investors on Thursday, said in an interview on Bloomberg Television.

Bitcoin declined as much as 4.2 per cent to $US5,791 ($7,822) on Friday, the lowest level since November, according to Bloomberg composite prices. The cryptocurrency recovered on Saturday in Asian hours, rising 8.6 per cent to $US6,397 at 11:35 a.m. in Tokyo, according to Bitstamp.

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Still, Bitcoin is down around 55 percent this year, according to Bitstamp. Other coins including Ether and Litecoin slumped more, while the combined value of tokens tracked by CoinMarketCap.com declined to $US236 billion. At the peak of crypto-mania, they were worth about $US830 billion.

While it was difficult to find fresh catalysts for Bitcoin's drop on Friday, hacks at two South Korean exchanges and a regulatory clampdown in Japan have weighed on sentiment in recent weeks. Regulators around the world have stepped up scrutiny of cryptocurrencies on concern that they're a breeding ground for illicit activity including money laundering, market manipulation and fraud.

Lesser-known tokens have been hit the hardest. Dead Coins lists around 800 that are effectively worth nothing, while Coinopsy puts the tally at more than 1,000. Fewer than 4 per cent of coins with market caps from $US50 million to $US100 million were successful or promising, according to a March analysis from ICO advisory firm Satis Group.

Bitcoin may not go to zero, but it's "very much" a bubble, Robert Shiller, the Nobel laureate economist whose warnings about dot-com mania proved prescient, said in an interview with Bloomberg Television's Tom Keene on Tuesday. Last year's Bitcoin surge was "not a rational response," he said.

Bloomberg

Hetbert

四川洪水造成部分矿场被淹 比特币全网算力骤降



近日，四川绵阳、广元、成都、阿坝、眉山等地遭遇连续暴雨袭击引发洪灾，当地水电、通讯设施不同程度受损。有数据显示，全球有70%的加密货币矿机在中国，而四川挖矿机则占全国的70%，四川可谓是世界矿场的中心。此次洪水灾害发生之前，还有四川矿场在大量接收矿机托管订单，在强大的自然灾害面前矿场毫无招架之力。目前并无具体的四川矿场损失数据，但从受灾地区面积来看，至少有数万台矿机被洪水淹没，从近日流传的照片看很多矿机显然已报废，几乎无法修复的可能。

猫儿不笨

Hetbert 发表于 2018-7-1 18:23
四川洪水造成部分矿场被淹 比特币全网算力骤降

区块链和人工智能能够节省25-30的电耗，却还是无法预测暴雨洪灾

Hetbert

Hetbert 发表于 2018-7-1 18:23
四川洪水造成部分矿场被淹 比特币全网算力骤降

因为四川洪水，比特币全网算力，从40 Exahash/s降到了38 Exahash/s，相当于下线了15万台矿机。

Hetbert

请原谅我不厚道的幸灾乐祸的笑声。

一台现货矿机一万多人民币，15万台矿机。

矿头的近20亿人民币就这么被水淹没了。。。

Hetbert

德国安联首席经济顾问：比特币若跌破5000美元值得考虑买入



德国安联集团首席经济顾问El-Erian向CNBC表示，如果比特币跌破5000美元，值得考虑买入。他说：“我认为不会再回到2万美元，但我确实觉得，你需要在真正相信比特币未来的人巩固的地方筑底，然后那会给你提振。”El-Erian认为，比特币可能根本不会变成货币，未来会成为交易手段，会像大宗商品那样的资产，可以交易，主要用于储值。他预计，未来十到十五年，可能会有一些数字货币，公共部门会参与进去。那不会是纯粹的比特币。但支持比特币的区块链技术将保留下来。

A visual representation of the digital Cryptocurrency, Bitcoin, displayed on December 23, 2017 in Paris, France.
Chesnot | Getty Images
A visual representation of the digital Cryptocurrency, Bitcoin, displayed on December 23, 2017 in Paris, France.
Bitcoin might be winning back favor in the public eye. Mohamed El-Erian, chief economic advisor at Allianz, called bitcoin a buy if its price falls below $5,000.

The highly volatile cryptocurrency made waves recently after falling 70 percent from its peak, when the price was near $20,000. But today it’s reaching a point where it might be worth considering again. It was trading around $5,870 as El-Erian made his statement on CNBC's “Squawk Box.”

Bitcoin will remain but not as a currency, predicts Mohamed El-Erian        Bitcoin will remain but not as a currency, predicts Mohamed El-Erian  
8:21 AM ET Fri, 29 June 2018 | 02:12
Some financial advisors are skeptical, however. Traditionally, bitcoin is not an advisable investment for someone who wants to grow their portfolio, advisors said.

“Regardless of where the price is, any investor should be cautious before investing,” said certified financial planner Douglas Boneparth, president of Bone Fide Wealth and a bitcoin miner himself. “By and large cryptocurrencies are speculative and should be treated as such.”

Bitcoin is alluring to many because of the classic risk versus reward scenario it offers, Boneparth said.

“It’s cool, it’s in the news, it’s fresh,” Boneparth said. “But it does not change the rules of the game.”


Priya Malani, founding partner of Stash Wealth, agrees. She said bitcoin is a gamble, not an investment.

“If you want to gamble with your money you might as well go to Vegas, it’s much more fun,” she said.

For those who still want to buy in, she said clients could take out a tiny portion of their investments to purchase bitcoin. She said it should be 3 percent or less.

"If you want to gamble with your money you might as well go to Vegas, it’s much more fun."
-Priya Malani, founding partner, Stash Wealth
Not all financial advisors are against investing in bitcoin.

“I believe that certain crypto assets, bitcoin and ethereum, are poised for a strong future,” said Ric Edelman, founder and executive chairman of Edelman Financial Services. But, investors “have to stay very long-term focused and recognize that it’s still the Wild West.”

He said that cryptocurrencies are a legitimate asset class to diversify your portfolio, but for any investor it should make up less than 5 percent.

“You have to treat it as lottery tickets, be prepared to lose what you invest,” Edelman said. In addition, he said investors should also look at investing strategies like dollar-cost averaging, investing a specific amount of money at a consistent interval, to help reduce risk.

"You have to treat it as lottery tickets, be prepared to lose what you invest."
-Ric Edelman, founder and executive chairman, Edelman Financial Services
Other advisors might not recommend investing in bitcoin specifically, but see value in the cryptocurrency industry.

“It is an emerging industry, and we are in the early innings,” said Joe Elsasser, president of Covisum, a financial planning software company. He said to look across the industry to invest.

“It’s dangerous to try to pick one company or one currency and expect that if we fast forward 10 years that one will be the winner,” he said.

Hetbert

美国税务局已经承认BTC等数字货币为财产

据btcmanager消息，在一份发给所有众议院议员、政府官员和雇员的备忘录中，美国众议院道德委员会要求政府官员披露加密货币和数字资产定义是“其他形式的证券”。该备忘录强调，美国国税局（IRS）已承认比特币和以太坊等加密货币是“财产”，目的是对出售数字资产和投资加密货币产生的收入进行征税。

Government Officials Have to Contact SEC Before Participating in ICOs
June 29, 2018 13:00 by Joseph Young

In a memorandum to all house members, government officers, and employees, the US House of Representatives Committee on Ethics has required government officials to disclose holdings of cryptocurrencies and digital assets as “other forms of securities.”
Primarily For Tax Purpose
The memorandum emphasized the Internal Revenue Service (IRS), the national tax agency, has acknowledged cryptocurrencies like bitcoin and Ethereum as properties, with the intent of taxing the sale of digital assets and income generated from investing in cryptocurrencies.
The Committee on Ethics also noted the disclosure of holdings by government officials is crucial to major US financial agencies like the U.S. Commodity Futures Trading Commission (CFTC) and US Securities and Exchange Commission (SEC) that have different jurisdictions over the cryptocurrency sector and regulatory frameworks pertaining to digital assets.
The Memorandum read:
“Many regulatory agencies have addressed aspects of cryptocurrencies that are within their jurisdiction, or indicated they are continuing to review them. For example, the U.S. Commodity Futures Trading Commission (CFTC) has determined it can regulate cryptocurrencies as commodities. The Securities and Exchange Commission (SEC) has indicated for certain purposes, cryptocurrencies may be regulated as securities, and it is continuing to review how existing securities laws and regulations apply to them. The Internal Revenue Service (IRS) has advised for federal tax purposes, it will treat cryptocurrencies as property.”
More importantly, the Committee on Ethics has stated the House of Representatives will consider initial coin offerings (ICOs) in the same manner as initial public offerings (IPOs), and any government official that participates in an ICO have to disclose their participation to the SEC.
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But, the memorandum highly encouraged government officials to cooperate with the SEC prior to investing in an ICO to ensure the token generated during the token sale is not considered a security.
The SEC has disclosed it had cracked down on several ICOs categorized as unauthorized security distributors and it believes more ICOs in the near future will fail to remain compliant with US regulations.
“At this time, the SEC indicated it is continuing to review ICOs and to assess how existing securities laws and regulations apply to them. The SEC has halted an ICO it concluded failed to comply with those laws and regulations. Also, a company recently filed a securities’ registration for an upcoming IC0. At this time, it is unclear which ICOs, if any, may be considered “the subject of an initial public offering” for purposes of the IPO prohibition,” the Committee on Ethics said.
Symbolic Disclosure Order
The decision of Committee of Ethics to require every government official and employee to disclose their cryptocurrency and token holdings is a symbolic movement initiated to demonstrate to the public market that every investor in the US is encouraged to voluntarily disclose their holdings for tax purposes.
Previously, Coinbase admitted it had spent upwards to $1 million in a case against the IRS to protect millions of user accounts from being shared with the IRS. The national tax agency of the U.S. still actively investigating into local cryptocurrency investors that fail to file for taxes and other leading regions like Japan and South Korea have vowed to do the same in the short-term.
It can be difficult for cryptocurrency exchanges to protect investors that purposefully evade taxes by hiding their digital asset holdings. The recent order of the Committee of Ethics indirectly told investors in the public market that everyone within the US must disclose investments in the cryptocurrency market, regardless of the type of digital asset investors hold.

Hetbert

实名制起作用泡菜溢价不再 欲推出新指导方针加强加密货币监控

韩国金融监管委员会副主席金永男近日出席瑞士巴塞尔金融稳定委员会（FSB）一次会议时表示，自韩国禁止匿名交易加密货币以来，泡菜溢价已不复存在。并透露目前韩国政府正在推出一项新的指导方针，以防止本地加密交易所在外汇交易中购买加密货币。

Hetbert

法国巴黎银行和德意志银行等大型金融公司和监管机构已开展KYC试验

据coindesk消息，包括法国巴黎银行(BNP Paribas)和德意志银行(Deutsche Bank)等大银行，已经在R3的Corda区块链平台上对“认识你的客户”(KYC)合规应用程序进行了试验。据悉，荷兰银行，法国兴业银行，招商银行，荷兰国际集团（ING），Raiffeisen等也参与了此次试验；同时，监管机构和中央银行的参与者包括哥伦比亚中央银行，波士顿联邦储备银行以及秘鲁银行和保险监管局。

Hetbert

Ebay、富士康以及普华永道加入企业以太坊联盟

据Trustnodes消息，Ebay、富士康以及普华永道今日加入企业以太坊联盟（EEA）,联盟成员总数达到500多个，包括许多之前加入的企业，如丰田、三星、英国石油，英特尔（Intel）、微软（Microsoft）摩根大通（JP Morgan）万事达卡（Mastercard）等




Ebay, a multinational e-commerce company with $10 billion in revenue and $2 billion in yearly profits has recently joined Enterprise Ethereum Alliance [EEA]. EEA is an alliance that is built to customize Ethereum for industry players. EEA connects Fortune 500 enterprises with Ethereum subject matter experts, including Accenture, J.P Morgan, CME Group, Microsoft, and Intel.

Foxconn, a multinational electronics contract manufacturing company is also the latest of the companies to join EEA. Hon Hai Precision Industry Company Ltd is the anchor company of Foxconn. In 2016, Foxconn ranked 25th among Fortune Global 500. It stands as the world’s largest contract electronics manufacturer and the fourth-largest information technology company in terms of its revenue.

EEA mailing list mentioning new additions | Source: Twitter

Their interest in Ethereum Network is presumably to learn how smart contracts can be utilized to keep track or on how ledger can be utilized in their financial prospects.

Joseph Lubin, co-founder of Ethereum, said at the EEA’s launch:

“Enterprises represent mindshare, they represent resources, In order to get the technology out, in order to make it ubiquitous, we need to speak to everybody and make ethereum inclusive.”
EEA is designed to serve three objectives according to their website:

A clear roadmap for enterprise features and requirements
Sturdy governance model and accountability, clarity around IP and licensing models for open source technology
Resources for businesses to study about Ethereum and make use of this technology to address specific industry use cases
Rui V. Maia, Ethereum enthusiast, and a Twitter user commented:

“According to the official #EnterpriseEthereumAlliance newsletter, it is indeed true. The market doesn’t react much to these news, especially because we’re in a bear market, but all this enterprise support strengthens the ecosystem and will produce more innovation and adoption.”