通胀降至1%,Voice上线……EOS的持币者们仍旧迷茫

文 | 郑毅 编辑 | 毕彤彤 出品 | PANews


“最近真的很犹豫,坚守了两年了,还要不要继续坚持。” 袁韧伟,一位曾在2018年高位接盘EOS的老玩家向PANews诉苦道,“可能等不到回本那天了”。

号称“Facebook杀手”的Voice已于半月前到来,但他心中所期的“市场狂欢”并未见踪影。社区依旧悲观,币价始终低迷,Coinbase、韦氏评级等机构的消极声音也让“HODLER”们摇摇欲坠的信仰雪上加霜。

在“老韭菜” 袁韧伟看来,这条曾经甚至被冠以“区块链3.0”头衔的公链似乎正坠向谷底。资源系统拥堵,DAPP陆续出逃,治理中心化,超级节点被交易所把持等内部问题频出不已,大环境下,更是面临Nervos、Cosmos、Algorand等新兴区块链系统的挑战。

“现在这形势,是个人都想踩EOS一脚。”袁韧伟无奈地说道,转移阵地的想法不断冒出,但心中的不甘却驱使着他仍在坚守。

节点困境争议不断


 

自EOS主网上线后,关于节点的争议就从未停歇。

在EOS的DPOS共识机制中,节点分为超级节点和备用节点两类,其中超级节点由得票率最高的前21个节点组成。而超级节点中大量被中国节点把持曾引起海外社区的不满。

据PANews统计,截止至2020年2月25日,EOS排名前21名的超级节点中,注册地在中国的节点占据了13席,总得票率为36.8%,而将统计数据延伸至前30名,我们可以发现中国节点占据了21席,总得票率甚至超过全部节点的半数,达到了51.8%。也就是说,中国节点在客观上对EOS网络有着极强的统治力,这也是西方节点们普遍不满的原因。

2019年11月,eosnewyork(EOS纽约)节点曝出中国节点eosshenzhen(EOS深圳)除了运营自身节点外,还控制了stargalaxybp,validatoreos,eoszeusiobp1,eosunioniobp,eosathenabp1和eosrainbowbp等6个备选节点。EOS纽约认为该节点的行为对EOS主网的安全造成了威胁,发起提案要求将六个节点进行删除。

不仅是节点间的内讧,大量交易所把持超级节点也引起了社区和开发者们的担忧。据PANews统计,位于得票率最高的前21名超级节点中,交易所占据其中7席,总得票率达到了20.57%。

作为提供流动性的场所,交易所在DPoS这种委托投票模式中具有天然的优势,用户担心自己存入其中的代币会被交易所私自挪用于投票,而自己却一无所获。

区块链3.0变身“堵”场


 

EOS曾以TPS高而走红,而如今,却不断沦为“堵”场。 2019年11月1日,ENU创始人Aiden Pearce发起了一个名为EIDOS的项目空投,用户只需向该项目的智能合约转入任意数量的EOS,就会收到一定EIDOS代币。作为名噪一时的区块链UBI概念提出者,EIDOS瞬间点燃了EOS用户们的热情。也就是这一天,沉寂许久的EOS主网直接“炸了”,用户惊讶地发现,因为资源堵塞,自己的账户无法进行任何交易。

众所周知,和以太坊等燃烧GAS进行转账的公链不同,EOS主打免费转账体系。EOS系统由RAM、NET和CPU三者组合而成,用户需要将一定EOS代币进行质押,就可以获得用于转账的CPU资源,但用户获得的CPU资源却并非恒定,它与全网EOS质押数量挂钩,这就意味着,当海量的EOS被质押换取CPU资源时,普通用户承受的质押压力就会大大增加,甚至为了进行一次转账,需要质押百元以上的EOS。

然而,这并不是EOS主网首次拥堵。早在2018年末,博彩应用风靡币圈时,面对高额的市场红利,矿工们疯狂地将每一枚EOS塞进CPU系统,EOS的主网彼时便几近瘫痪,时隔一年却依旧如此。

高昂的质押费用让项目方和普通用户望而却步,EOS的“免费转账”似乎名存实亡,为了使自己的应用能流畅运行,项目方往往需要租赁大量EOS进行质押,而这一笔开销,让很多项目方苦不堪言。虽然EOS母公司block.one数次更新、优化资源模型,并推出了资源交易所REX,希望以市场功能来调节资源拥堵,但始终没有改变“热门应用轻易堵塞全网”的尴尬局面。

2019年11月27日,基于EOS的社交平台KARMA宣布将应用迁移至WAX链;12月2日,韩国EOS链游平台ITAM宣布与WAX合作,在其链上推出新游;随后,Prospectors等游戏也开始了迁移工程,甚至曾将长期蝉联EOS游戏类应用日活榜首,大名鼎鼎的EOS Knight也将名字改为了Knight  Story,其升级版本在波场网络上发布,根据游戏工作室的说法,从EOS迁移到波场的原因是“那里的性能会好很多”。

“将应用迁移到WAX类的侧链,主要是受开发费用的影响。”Newdex团队对PANews说道,在他们看来,由于受到EOS主网CPU拥堵的影响,项目方迁移应用至其他链可以降低自身开发成本。

钱包服务商TokenPocket CEO付盼则指出DAPP离开主网的根本原因是“主网资源成本难扛,侧链放大补贴优惠”,在他看来开发者没有将自己的DAPP项目迁移至其他主网,而是选择侧链运行,反而说明了EOS的可持续发展潜力。

链上治理之殇


 

作为主网上线即主打“弱中心化”区块链系统的EOS,从未掩饰过自身接纳监管,引入“人治”的决心,在普遍信奉“Code is law”的大环境下,EOS率先推出了核心仲裁庭ECAF(EOS Core Arbitration Forum)部门,以期化解链上纠纷,解决资产争端。block.one前CTO Thomas Cox 将其描绘成了一个乌托邦式的部门,让用户们备受期待。

然而事与愿违,ECAF上线后首次仲裁便不尽人意,在代号为2018-06-19-AO-001 的仲裁案件中,受害人提出仲裁申请后的数十小时内,ECAF也没有冻结双方账户,就在超级节点们焦急询问案情时,ECAF直接宣布由于自身规则尚未完善,将不会下任何仲裁命令。

碌碌无为的半年后,2018年11月8日,核心仲裁庭ECAF终于进行了第一次仲裁。意料之中的,案件中因账户私钥被钓鱼网站盗取的原告获胜,随后,ECAF命令超级节点修改账户私钥然后归还原告,社区一片哗然。

“私钥竟然能被随意修改?”

“谁给他们的权利?”

“仲裁员是怎么选出来的?”

一系列的质疑声扑面而来,在中心化的金融体系中尚且没有如此“荒诞”的剧本,在去中心化网络中竟然就此上演。毫无疑问,在大部分人看来,ECAF是整个EOS网络中最致命的缺陷。

除此之外,EOS网络的投票规则、代币抵押、资源治理模型也经过了数次更迭,至今仍备受争议。从EOS主网上线至今,节点投票都采用的是1票30投的机制,在该规则下,迅速滋生出了大量“共谋”节点,节点们互相串谋,形成互投票仓,共同瓜分出块利益。

早在2018年,某交易所员工曾泄露出的节点互投数据情报就曾显示该问题的严重性,该数据表包含的《节点互投表》、《控制节点投票情况》、《节点收益表》、《票仓及账户情况》四份表格详实地展示了交易所控制其他节点,扶持傀儡节点的惊人事实。

在意识到这些问题后,EOS的两位最具影响力的人物BM和Brendan Blumer开始考虑社区呼声较高的“1票1投”机制,BM在2019年10月15日撰写的EOS最新投票治理方案,除了规划六个抵押池的方案外,明确表示了新方案中的票权质押采取1票1投,Brendan Blumer也在Colin Talks Crypto的视频节目中表达了自己相同的立场。

Voice能否成为扭转颓势的关键?


 

2019年的B1june发布会上,EOS母公司block.one宣布将发布一款基于EOS网络的区块链社交产品Voice,在官方的介绍中,Voice是一款“基于区块链的、更加透明化的社交媒体应用程序”。

为了部署和推广Voice,block.one也倾注了大量资源,仅购买Voice.com域名,就花费了3000万美元,折合人民币约2.1亿元,虽然这一举动受到了社区的质疑,不少人都认为这些钱花在EOS建设中将能发挥出更大价值,但block.one的首席执行官Brendan Blumer表示:“Voice是一个具有强大品牌力、高价值的品牌名,Facebook创始人扎克伯克在最近一次5分钟的演讲里,提到了37次Voice,虽然3000万美元是一笔巨款,但我们的远大目标能与之相配。”

不仅如此,block.one还购买了330万的EOS RAM资源,将用于为Voice用户创建账户,这一举动瞬间将RAM价格拉升了300%,解套了所有RAM炒家。

2020年2月14日,万众期盼的Voice项目如期推出,但并未让庞大的中国用户群体能够参与其中,根据官方邮件描述,Voice仅允许居住在美国的公民登录测试,之后会延伸到英语国家,最后才会在全球范围内推广,在测试阶段,非登录用户甚至都无法看见Voice上的内容。经历了8个月的等待,却换来再次遥遥无期的测试、迭代,让袁韧伟们有些寒心。

“最开始想第一时间加入测试,后来看到邮件就熄了火。”袁韧伟说道。至于Voice成功的关键,在袁韧伟看来其实在于Voice能否吸引大量明星、大咖入驻平台,以此带来场外流量,而不是靠币圈的玩家在上面自娱自乐。

虽然等待测试有些枯燥乏味,但测试后的推广阶段袁韧伟认为是“让人期待”的,block.one CEO Brendan Blumer在推特上表示一旦测试结束,将会投入市场营销,此前EOS创始人,block.one CTO BM曾表示Voice的整体预算预估在1.5亿美元。

正因为block.one在Voice项目上的大量投入,无论是区块链从业者或是普通持币者都对这一产品给予厚望。从业者们期待这个圈内最富有的公司之一block.one能通过这次“砸钱”,为行业带来新的机会,或是引起更多投资人对区块链的兴趣,或是让监管部门态度得到改观;持币者们则希望这个“史诗级”的利好能大幅度拉升EOS的币价,从而获得超额利润。

但也有业内人士对此表示担忧,DappRadar的新闻总监Jon Jordan认为block.one已经花费了太多资源在Voice上,以期将其打造杀手级应用,但他仍旧担心这一切会变成无用功。

block.one仍向前


 

虽说EOS的币价低迷,主网拥堵不堪,社区哀声一片。但大多开发者仍旧对其报以乐观的态度,即便block.one在链上治理尚未交出一份优异的答卷,但是在代码协议和监管应对上都取得了不俗的成绩。

2019年9月30日,据美国证券交易委员会SEC官网和block.one推特公告,两者已经达成和解。block.one通过缴纳2400万美元民事罚款解除了SEC对其进行未经注册的数字代币(ICO)首次发行的指控,同时授予了其对未来业务的重要豁免权,这意味着block.one及EOS在合规化的路上画上了圆满的句号。另一方面,募资了17亿美元的Telegram则仍旧陷入与美国证券交易监督委员会(SEC)的诉讼风波中,其发行的TON代币面临被全面的销售禁令。

技术上看,EOS 1.8版本中的“资源代付功能”和EOS 2.0版本中推出的EOS VM是主网更新中较大的突破。资源代付功能使区块链网络手续费的结算更加灵活,项目方可以主动为用户承担CPU成本,普通C端用户能更便捷地使用基于EOS的应用程序;而EOS VM是一个专为区块链智能合约设计的 WebAssembly引擎,相比EOS 1.0,它能提高智能合约运行速度约12倍,大大优化CPU使用效率。

同时,为扩大和改善EOS的生态系统,EOS VC于2019年12月启动了项目资助计划,通过审核的项目方将能获得5万美元的赠款。EOS VC声明申请项目的规模不是问题,他们寻找的是那些“前途可期”的优质团队。

发发文前,2月25日,由EOS超级节点EOSNation发起“设置总通胀率”的提案已经正式通过。该提案要求将EOS总通胀率从5%将为1%,且不再注入eosio.saving账户。

散户袁韧伟们仍旧在苦苦挣扎,开发者们仍旧抱以希冀,EOS的未来在何方?资源模型解决后是否能一飞冲天?Voice是否能打通区块链和传统世界的壁垒?答案只能交给时间。

Unity in Europe — DGen’s Conclusion to Fueling Blockchain Innovation

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.

Germany’s Second Largest Exchange Adds New Bitcoin Trading Product

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Germany’s Second Largest Exchange Adds New Bitcoin Trading Product


Boerse Stuttgart, Germany’s second-largest stock exchange, has added a new inverse Bitcoin Exchange Traded Product (ETP). This will be the first crypto ETP, called 21Shares Short Bitcoin ETP, which allows traders to short Bitcoin.


World’s first Bitcoin short product, will the halving leave investors rekt?

Boerse Stuttgart has just introduced a brand new investment product for institutional and retail traders, which will allow them to short Bitcoin. This is a first for the Bitcoin investment industry and the first short product available in the world.

The 21Shares Short Bitcoin ETP will be backed by the underlying asset at 1:1. It is the first Bitcoin financial instrument wrapped as an ETP with an International Securities Identification Number (ISIN) and Wertpapierkennnummer (WKN).

The underlying BTC will be custodied by an independent custodian with segregated accounts. 21Shares is approved by the SFSA, the Swiss Financial Supervisory Authority.

This means investors in Germany and other European markets can now get short exposure on BTC when the prices start to dump.

21Shares was formerly known as Amun AG, and they offer a full suite of ETPs which will be migrating over to the 21Shares brand. This Bitcoin Short ETP will be fully regulated under Swiss law.

As the world’s first Bitcoin Short ETP, with the current bullish hype surrounding the halving, it will be interesting to see what the response towards this product will be from investors.

Euro markets are innovating crypto, US markets stall

With the release of the new 5AML EU anti-money laundering guidelines, crypto businesses can no longer be discriminated against by banks. They will need to be treated the same as any other business.

European investors have been crying out for crypto-friendly regulation, we have seen quite a few EU nations introduce crypto-friendly policies, tax structures, and extend the olive branch to crypto startups. Crypto Valley in Zug, Malta, and Portugal, come to mind.

In the US, overzealous regulation and uncertainty about tax policy and regulatory enforcement have put a chill on the crypto industry. Startups have decided it is easier to jurisdiction shop and start in a friendlier and more well-defined climate.

Domestically both investors and entrepreneurs have pressured the SEC and IRS to issue clearer guidelines that are easier to comply with. This has led to certain new developments like Hester Pierce’s proposed safe harbor law, which has met mixed feedback from the crypto industry. Some wonder if it is too little, too late.

US regulators need to take a page from their European counterparts and relax the strict rules to allow for innovation. New investment products like the 21Short ETP are the type of crypto exposure investors are looking for on both sides of the pond.

Do you think Boerse Stuttgart’s new short Bitcoin ETP is bullish for the leading cryptocurrency? Add your thoughts below!


Images via Shutterstock

Bitcoin’s “Insane” Funding Rate is a Grave Sign for the Crypto Market

Bitcoin’s recent price action has done tremendous damage to the bullish market structure that the cryptocurrency was able to form throughout the past couple of months, with many analysts now noting that the crypto could be poised for significantly further downside.

One top analyst is now noting that one technical indicator that spells trouble for where the benchmark cryptocurrency is going next is its funding rate on major margin trading platforms.

If BTC begins a notable near-term downtrend, it is highly likely that this will send shockwaves throughout the aggregated crypto market, leading many major altcoins that have seen some intense bullishness to post massive losses.

Bitcoin’s Funding Rate Spells Trouble for Where the Crypto is Heading Next 

This past Sunday, just minutes after Bitcoin’s weekly close, the crypto rallied all the way up to highs of $10,000 before finding a significant amount of resistance that halted its uptrend and sparked a notable near-term selloff.

One byproduct of this bearishness is the fact that Bitcoin’s funding rate for long positions on major margin trading platforms is incredibly high at the moment, which is not a bullish sign.

Jacob Canfield, a top cryptocurrency analyst and trader, spoke about this in a recent tweet, telling his followers that the long-position funding rate spiking while BTC’s price is dropping is “not bullish at all.”

“Funding is actually insane right now for bitcoin. How do we drop 7% and funding spikes for longs. This…is not bullish at all.”

At the time of writing, Bitcoin’s funding rate on BitMEX is a positive 0.0404%, meaning those currently in long positions have to pay out those in short positions. This suggests that bulls are overly confident, with their positions potentially acting as fuel for a major long squeeze.

The Next Major BTC Selloff Could Send Shockwaves Throughout Altcoin Market

Throughout Bitcoin’s firm 2020 uptrend, there are countless examples of smaller cryptos that have significantly outperformed Bitcoin, which isn’t an uncommon occurrence within bullish market conditions.

When BTC enters downtrends, however, altcoins tend to significantly underperform the benchmark cryptocurrency, which is already something that is being seen today.

Currently, Ethereum, XRP, Litecoin, and Bitcoin Cash are all trading down just under 5%, while BTC is only trading down 2.5%.

Some of 2020’s best performing cryptocurrencies – including Tezos and Chainlink – have been hit hard by today’s selloff, trading down 10% and 8% respectively.

If Bitcoin continues expressing bearishness as it moves down towards its key support within the lower-$9,000 region, it is highly probable that altcoins will soon see sizeable losses that outpace that of BTC.

Featured image from Shutterstock.

Wikileaks Gathers $37M in BTC Since 2010 – Over $400K Sent After Julian Assange’s Arrest

Wikileaks Gathers $37M in BTC Since 2010 - Over $400K Sent After Julian Assange's Arrest

Wikileaks Gathers $37M in BTC Since 2010 – Over $400K Sent After Julian Assange’s Arrest

The world was shocked when Wikileaks cofounder Julian Assange was arrested in April after being cooped up in the Ecuadorian Embassy in London since 2012. Following his arrest, the original Wikileaks bitcoin address saw significant support as $32,000 worth of BTC poured into the wallet in two days. Since 2010, Wikileaks’ address saw 4,043 BTC donated or around $37 million at today’s exchange rates. Moreover, Wikileaks has gathered over $400,000 in BTC donations since Julian Assange was taken into custody last spring.

Also Read: Tradeblock Estimates Post-Halving Mining Cost of $12,500 per BTC

Wikileaks Gathers Over $400K in Bitcoin Donations Since Julian Assange Was Taken Into Custody

Years ago, the U.S. government started an investigation on Wikileaks cofounder Julian Assange for computer-related crimes allegedly committed in 2012. However, Assange requested asylum at the Ecuadorian Embassy in London and Ecuador’s government allowed him to stay until 2019. A U.S. indictment charges Assange with conspiracy to commit computer intrusion during the Chelsea Manning investigation. Manning accessed classified government intelligence and it was subsequently published on Wikileaks. On April 11, 2019, the Ecuadorian Embassy in London was raided and he was charged with failing to show up to court. Assange also faces extradition to the U.S., but he remains in prison awaiting trial, which started on Monday. Assange is also accused of using the Ecuadorian Embassy to meet with Russian leaders and international hackers.

Wikileaks Gathers $37M in BTC Since 2010 - Over $400K Sent After Julian Assange's Arrest
Julian Assange the co-creator of Wikileaks being taken into custody on April 11, 2019. Since then, the nonprofit has gathered over $400K worth of BTC donations and Wikileaks has obtained $37 million worth of BTC (at today’s exchange rates) since 2010.

Immediately after Assange was arrested, BTC donations started pouring in and the Wikileaks donation wallet saw roughly $20K in BTC on April 11th alone. The following day, donations continued and that Friday Wikileaks accrued $32,000 worth of BTC donations. Wikileaks has recently started a new address and has asked people not to donate to the older address. The old address obtained approximately 4,043 BTC ($37 million) before the nonprofit organization shared a new address. The new Wikileaks BTC address has 6.76 BTC ($63K) on February 25 and people can also donate bitcoin cash (BCH), litecoin (LTC), ethereum (ETH), monero (XMR), and zcash (ZEC). Since the arrest last April, Wikileaks obtained over $400,000 worth of BTC including the 6.76 BTC donated during the course of last week.

The First Financial Blockade Against Wikileaks

Wikileaks has always been supported by the general public and cryptocurrency advocates have rallied for the website and Assange as well. Donations pay for “Wikileaks projects, staff, servers, and protective infrastructure.” In 2010, Wikileaks and Assange contemplated using bitcoin for donations after the U.S. government, Senator McCain, Senator Lieberman, Visa, Mastercard, Paypal, Amex, and Moneybookers created a financial blockade against the organization. In 2017, Assange tweeted that the 2010 financial blockade invoked “[Wikileaks] to invest in Bitcoin” and the nonprofit generated a “50,000% return” from those donations.

Wikileaks Gathers $37M in BTC Since 2010 - Over $400K Sent After Julian Assange's Arrest
Members of the U.S. government, Senator McCain, Senator Lieberman, and the payment networks Visa, Mastercard, Paypal, Amex, and Moneybookers all blocked financial transactions to Wikileaks in 2010. This is when Assange decided to have the organization accept BTC for donations. The specific address in this picture has changed since last week, and Wikileaks has asked the public to use the new one instead.

But when it was first announced in 2010, Satoshi Nakamoto and a few other bitcoiners were not too keen on Wikileaks using bitcoin for donations at that time. When someone said that the Bitcoin community should “bring it on” with Wikileaks, Nakamoto wholeheartedly disagreed. “No, don’t ‘bring it on.’ The project needs to grow gradually so the software can be strengthened along the way. I make this appeal to WikiLeaks not to try to use Bitcoin. Bitcoin is a small beta community in its infancy. You would not stand to get more than pocket change, and the heat you would bring would likely destroy us at this stage.” Nakamoto stated five days later on December 11, 2010:

It would have been nice to get this attention in any other context. WikiLeaks has kicked the hornet’s nest, and the swarm is headed towards us.

Wikileaks Gathers $37M in BTC Since 2010 - Over $400K Sent After Julian Assange's Arrest
Assange has always been a cryptocurrency proponent and he’s considered one of the earliest members of the cypherpunks from the eighties and nineties who helped promote cryptographic technologies.

Proof-of-Life, the Banking Blockade 2.0, and ‘Bitcoin Is the Real Occupy Wall Street’

Satoshi’s words didn’t stop Assange and Wikileaks from using bitcoin and a number of people believe that Wikileaks and the creation of the Silk Road marketplace helped propel bitcoin to new heights. The crypto donations strengthened Wikileaks as well, and in December 2017, the nonprofit suffered a second financial blockade. Assange told his Twitter followers a few times that month about the situation. He called it a “banking blockade 2.0” and Assange said U.S. intelligence was making it difficult for Wikileaks donors.

Assange suggested people should send cryptocurrencies instead and Wikileaks started accepting digital assets like zcash, monero, and litecoin. The Wikileaks founder has always supported bitcoin and a year before the banking blockade 2.0, people were concerned that Assange wasn’t alive because they hadn’t heard from him in a while. At the time, the Wikileaks editor-in-chief read the BTC blockchain hash of block 447506 during a recorded video. A number of people believe that the hash was read during the video to prove Assange was alive.

Wikileaks Gathers $37M in BTC Since 2010 - Over $400K Sent After Julian Assange's Arrest
The extradition hearing for Wikileaks founder Julian Assange began Monday, February 24, 2020, in London. American prosecutors want Assange, 48, brought to the U.S. to face charges of hacking conspiracy and releasing classified documents. James Lewis, the U.S. government’s lawyer in the case, told the court in London that Assange is not a journalist but merely a hacker who published unredacted classified information on multiple occasions.

A week before the banking blockade 2.0, Assange tweeted that “Bitcoin is the real Occupy Wall Street.” Crypto enthusiasts have been awfully kind to Assange over the years, donating more than $37 million worth of BTC since 2010, and over $400K in BTC donations since he was taken into custody last April. The website Assange created has given the world an inside look at how governments worldwide have committed crimes against humanity. Wikileaks has a treasure trove of logged data that explores controversial subjects like Guantanamo Bay, the Afghan War, the Iraq War, and shady government dealings. There’s a reason why governments want people like Assange and Edward Snowden silenced. However, Assange knew early on that governments cannot stop censorship-resistant money.

What do you think about the $37 million worth of BTC donations given to Wikileaks since 2010 and over $400K in BTC donations since he was taken into custody last April? Let us know what you think about this topic 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, Wikileaks, Wiki Commons, Pixabay, Fair Use, and Twitter.


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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.

上海深化“一网通办”改革,鼓励借助区块链等技术

编辑:吴頔

来源:上观

编者注:原标题为《为让企业群众高效办成一件事,上海连发3份文件聚焦这项工作》

 

今年是上海“一网通办”改革的攻坚提升年。为进一步深化以“一网通办”为重要标志的“放管服”改革,大力优化营商环境,不断增强企业和群众的获得感、满意度,上海日前连续发布3份文件,为今年进一步提升本市政务服务水平指明方向。

这3份文件都已在“中国上海”门户网站公开发布,分别为《2020年上海市深化“一网通办”改革工作要点》《关于深入推进“一网通办”进一步加强本市政务服务中心标准化建设与管理的意见(试行)》和《上海市人民政府办公厅关于以企业和群众高效办成“一件事”为目标全面推进业务流程革命性再造的指导意见》,从前台服务到后台审批,从数据应用到流程再造,都分别提出了明确要求和改革方案。

根据文件要求,今年,上海要实行“两个免于提交”——“凡是本市政府部门核发的材料原则上一律免于提交”和“凡是能够提供电子证照的原则上一律免于提交实体证照”,新增100项“零材料”事项,重点对一批群众和企业关注的“一件事”进行业务流程再造,全年新增接入500项公共服务事项,新增100项个人事项实现“全市通办”,深入推进“一网办、一窗办、一次办”。

 

深化“一网通办”改革


今年,上海的政务服务“一网通办”,将努力实现两个转变:推动“一网通办”从“侧重行政权力事项”向“行政权力和公共服务事项并重”转变,从“能办”向“好办”转变,使个人办事更加方便、快速,法人办事更加高效、可预期。

《2020年上海市深化“一网通办”改革工作要点》指出,要大力推进业务流程革命性再造,提升政府部门业务协同能力和服务水平,提升个人政务服务事项网上办理比率,并推动一批事项“全程网办”,全面拓展和优化公共服务事项接入“一网通办”,并不断优化“一网通办”平台服务能力,做优市民主页和企业专属网页服务,深化电子证照归集与应用,加强电子印章应用和电子文件归档管理,促进服务更便捷更高效。

文件要求,要继续强化改革联动,全力优化营商环境,在开办企业、工程建设项目审批管理、企业纳税缴费、获得电力、不动产登记、国际贸易“单一窗口”、执行合同、政府采购等方面不断优化。

同时,今年上海还将持续深化数据治理攻坚,推进信息系统上云“应迁尽迁”、业务专网和信息系统“应并尽并”、公共数据“应归尽归”。深化公共数据共享、开放、应用和数据安全管理,提升对“一网通办”改革的数据支撑。

文件还要求,要加强制度机制建设,进一步增强改革攻坚合力。要结合“放管服”改革综合授权试点,开展“一网通办”改革立法调研,推动相关立法工作,推动包括政务服务“好差评”在内的多方评价机制,并鼓励各区、各部门结合实际,借助区块链、大数据、人工智能、5G等前沿技术,在业务流程优化再造、数据资源整合共享、便企利民应用、“AI+一网通办”等方面大胆探索、先行先试。

 

全面提升线下政务服务能级


上海市人民政府办公厅印发《关于深入推进“一网通办”进一步加强本市政务服务中心标准化建设与管理的意见(试行)》的通知则对全面提升线下政务服务能级提出了具体要求。

今年,上海要统一规范、分类施策、高效便民的原则,完善市、区、街镇(乡)、居(村)四级政务服务网络,全面拓展政务服务事项范围,优化再造办理流程,推进线上线下深度融合,实现事项办理一个平台、一套标准,推进线下“只进一扇门”,政务服务事项进驻综合性政务服务中心基本实现“应进必进”。

同时,还要提升窗口服务能级,实现综合窗口全覆盖,推进自助终端标准化、集约化、智能化建设,夯实“一网通办”政务服务“好差评”评价、反馈、整改、监督全流程闭环工作机制,使实名差评回访整改率达到100%,推动政务服务更高效、更精准、更智能。

《意见》要求,今年上海要构建统一明晰的政务服务中心管理体系,依托“一网通办”总门户,推进统一办理平台、统一服务标准、统一预约服务,拓展服务渠道,实现线上线下深度融合,建设高效均衡的政务服务窗口。同时健全规范透明的政务服务事项管理,推进政务服务事项“只进一扇门”,有条件的区逐步取消部门单独设立的政务服务中心,将部门政务服务事项向综合性政务服务中心集中,并完善办事指南、规范业务手册、优化办理流程,切实做到减环节、减材料、减时间、减跑动次数。

 

为企业群众高效办成“一件事”


今年,上海将以企业和群众高效办成“一件事”为目标,集成“一件事”所涉及的政务服务事项,围绕申请条件、申报方式、受理模式、审核程序、发证方式、管理架构等进行整体性再造、实施一体化办理。各区、各市级部门都将推出一批“一件事”事项,开展流程优化再造工作,到明年底前,基本实现与企业群众生产生活密切相关的重点领域和高频事项的全覆盖。

《上海市人民政府办公厅关于以企业和群众高效办成“一件事”为目标全面推进业务流程革命性再造的指导意见》指出,要立足企业群众视角,推动“一件事”服务集成,并围绕“六个再造”实施业务流程革命性再造:再造申请条件,实施“一次告知”;再造申报方式,实施“一表申请”;再造受理模式,实施“一口受理”;再造审核程序,实施“一网办理”;再造发证方式,实施“统一发证”;再造管理架构,实施“一体管理”。

要实现这一目标,不仅需要优化单事项办事流程,实施跨部门流程再造,也要强化信息技术支撑,加快政务信息系统整合互通,深化电子证照归集应用,推动实现“全程网办”。

《意见》还要求,要鼓励实施改革创新,积极研究“一件事”集成事项的场所、设备、资金、人员、制度等管理的要求,制作递进式问卷进行智能导引,实现企业群众个性化、智能化“一件事”一次性告知服务,积极探索智能填表,实现表单预填和材料复用,探索智能审、智能批,减少用户提交和窗口人员收取“无效材料”的情况,提高在线申报和窗口综合收件效率。探索全程无人工干预智能办理新模式,并扩大“一件事”告知承诺的实施范围,强化提前服务,避免群众和企业办事走弯路、回头路、冤枉路。

加拿大:零售型CBDC已有计划,发行时机尚未到来

2月25日加拿大央行副行长蒂莫西·连恩在蒙特利尔CFA协会召开的“金融科技RDV2020”会议上,发表了题为“数字时代的货币与支付”演讲,加拿大央行网站同时发布了“央行数字货币应急计划”的报告,表明为应对未来世界变化的需求,加拿大央行在零售型CBDC方面已有周密考虑,但发行这种CBDC的时机尚未到来。同时也透露出,近期加拿大央行将出炉一系列有关CBDC的研发报告出炉,涉及发行动机、使用便利性、网络安全、信息隐私、发行商业模式等方面。

加拿大央行副行长蒂莫西·连恩

 

一、暂不考虑发行零售型CBDC


 

近年来,加拿大也和不少国家一样,现金在日常交易中的占比日渐下降,据加拿大央行近年的一项调查,目前使用现金交易笔数占1/3,而10年前在1/2以上。另外表示日常交易完全使用非现金支付方式的人占1/10。而在经常贸易和非贸易跨境支付方面存在的费用高、时间长等问题,也为私人加密货币和稳定币提供了可能的生存空间。

另外2016年开始加拿大央行采用R3联盟的DLT技术,开发了国内银行间支付结算的批发型数字货币原型系统Jasper,经过几个阶段的后续验证,2019年加拿大央行和新加坡金管局合作开发Jasper-Ubin项目,在没有中介代理的环境下,实现了跨境、跨币种和跨平台支付中应用CBDC的试验成功。可以说在批发型CBDC应用于银行间大额支付结算和跨境支付方面,加拿大央行已经进入了概念验证-试验的阶段,走在国际前列。

但在加拿大央行看来,新的支付技术应用对于消费者、企业和金融机构来说既有可能是新的机遇,带来新的收益,但同时也有可能导致金融体系面临新的风险。比如稳定币,拥有广泛普及的前景以及改变现行货币形态和支付体系的较大可能性。因此,央行认为:

“目前发行CBDC还没有足以令人信服的理由。加拿大人将继续受益于现有的支付生态系统,只要它是现代化的,并具有合适的目的。”(蒂莫西·连恩,2020)


 

二、CBDC发行两种场景,必须慎之又慎


 

无现金场景:类似瑞典的情况,即全社会现金使用下降到一个临界点,出于成本控制考虑,拒收现金的商家越来越多,而银行也由于同样原因减少现金服务,消费者使用现金支付就会成为难题,如在瑞典,很多银行取消了日常的现金服务,有现金需求的消费者必须预约才能存取现金。央行认为加拿大国内现金的使用目前还没有接近临界点,因为消费者使用信用卡商家要提供积分奖励,带来一定成本,因此目前不是所有或绝大多数商家都拒收现金。

央行认为关键的问题在于如何确定全社会现金使用最低到什么程度,是触发央行决定发行CBDC的临界点,这是一个复杂而又必须慎重考虑的问题。因为现金的存在给消费者带来安全性、使用便利性、隐私保护、弹性和竞争等好处,除非整个社会的无现金趋势已经带来严重的后果,只有到那时“加拿大央行将考虑发行一种相当于现金的数字CBDC。这种CBDC将被设计成具有与现金相同的特性。”(加拿大央行,2020)

私人货币场景:央行对比特币为代表的私人加密货币充当支付手段的可能性并不担忧:

“由于比特币和其他类似的加密货币的转账成本高、缺乏可扩展性和不稳定的购买力,在加拿大支付中发挥重要作用的可能性很小。到目前为止,使用加密货币完成的交易非常有限,我们最近的比特币综合调查显示,目前只有5%的加拿大人持有比特币。(加拿大央行,2020)

这一场景的设想基于稳定币的发展前景。央行认为“稳定币也许是更有可能的破坏者。”因为稳定币以法定货币或资产篮子为担保,改进了私人加密货币的波动性缺陷,有普遍推广的可能前景。类似于Facebook这种用户规模化的社交平台与稳定币结合,给各国的监管机制带来巨大挑战。未来也有可能出现其他国家央行发行的CBDC跨境加拿大使用。这些不是以加元为面额的数字货币在加拿大流通使用,将侵害加拿大国家货币的主权,带来如下严重影响:

居民消费能力取决于加拿大央行无法影响的数字货币单位价值;

加拿大央行货币政策主要工具“目标加元隔夜利率”将无法影响现行的借贷利率和国内经济活动;

有关央行最后贷款人职能的政策只能由提供货币的国外央行来制定。

央行认为,出现上述这种“实质性侵蚀加元公共利益”的情况下,将考虑发行CBDC。但做出这种决定之前,还必须考虑是否存在这两种风险:一是CBDC的发行会不会影响银行存款的稳定性或增加银行挤兑的风险;二是CBDC会不会成为洗钱或恐怖融资等违法活动的载体。

 

三、零售型CBDC的设计特征


 

央行认为CBDC的设计非常重要,应当有助于向社会推广应用,达到大多数人愿意持有、至少在部分交易中使用的目标。应具有以下特征:

与现金类似:实现人与人之间即时结算,不匿名,具有适应基础设施故障的弹性。

在线数字化:可以在线使用,不会被盗窃和非法使用,能够适应新型电子交易。

使用无障碍:应具有可扩展性,能够适应消费者所使用的各种接口如智能手机、智能手表、个人电脑、物联网等,从普惠金融、增强弹性等角度考虑将提供离线式设备支持接入。

暂不计息:预期对零售型CBDC不计息。如果实施计息,离线用户的利息计算问题还需要进一步研究。

支付安全性高:CBDC应对系统故障和网络攻击的安全性考虑是其设计的核心,央行近期将发布专门报告。

兼顾支付隐私与信息披露:创建隐私性好又遵守KYC/AML等规定的CBDC是可行的,但不会以现金匿名性为设计目标。“CDBC的任何可接受的设计都需要包含一些控制,以确保在提供足够私密性的同时遵守现行法律。”近期央行也将发布这方面的深入研究报告。

与现有支付系统集成:实现与现有支付系统的互操作,即与其他支付系统连接可以兑出兑回CBDC,也可以为CBDC提供支付和转账服务。

央行认为,尽管在许多情况下,加拿大公众更看重未来CBDC的便利性而不是隐私、安全和弹性等其他核心特征,但是CBDC的设计仍然必须将重点放在这些特征上。

 

四、发行CBDC的准备工作


 

央行提出了发行CBDC的高级策略方法,通过实施为未来发行CBDC达到“一种准备就绪的状态”,这样一旦时机成熟就可以做出发行CBDC的决定。

政府支持:需要政府立法,明确赋予央行发行CBDC权力。

加强沟通:央行要与政府、企业以及终端用户加强沟通联系,了解掌握CBDC对各政府机构政策目标的影响,对CBDC生态系统中参与金融机构的影响,以及企业和最终用户的需求,同时就CBDC发行的动机和设计选择等与上述群体广泛磋商。

公众咨询:此前央行已开展过关于CBDC发行的焦点小组活动,表明公众对于CBDC有一定需求。下一轮公众咨询将引导公众了解CBDC及其与其他数字货币的区别,了解公众对CBDC的偏好和模式,收集他们的意见看法。

监测预警:央行将建立监管框架,持续监测现金和私人数字货币使用方面的突发情况,以确定触发点,为CBDC发行的准备乃至正式发行做好充分准备。

技术选择:从现在开始起着手CBDC技术研发的基础工作,合作伙伴不限于私人和公共领域,选择、测试一个适当的技术,时间可能需要数年。报告中提到“加行将继续考察集中式和分散式发行CBDC的方案”,表明央行在零售型CBDC的发行方式方面还有未知的可能性。

 

附录(加拿大央行报告):

Money and Payments in the Digital Age – Bank of Canada  https://www.bankofcanada.ca/2020/02/money-payments-digital-age/

Contingency Planning for a Central Bank Digital Currency – Bank of Canada https://www.bankofcanada.ca/2020/02/contingency-planning-central-bank-digital-currency/

观点与解读:江卓尔与Bitcoin Core的分歧

❖写在前面❖


江卓尔今天发表了一篇文章《为什么Core锲而不舍地企图增发BTC?》,这篇文章写了很多东西,专业性非常强。

TVB争取通俗的解读一下,顺便发表一下自己的观点。

 

❖相关利益团体❖


➤Bitcoin Core(比特币核心)

根据Bitcoin Core官网的描述: “比特币核心是一个[开源项目],主要负责维护和发布名为’比特币核心’的比特币客户端软件。”

根据Bitcoin.org的描述:
“Bitcoin Core is programmed to decide which block chain contains valid transactions. The users of Bitcoin Core only accept transactions for that block chain, making it the Bitcoin block chain that everyone else wants to use.”

翻译成中文: Bitcoin Core程序可以决定哪个区块链包含有效交易。Bitcoin Core的用户仅接受该区块链的交易,这使其成为其他所有人都想使用的比特币区块链。

可以看出,Bitcoin Core是比特币的客户端,但是不仅仅是钱包。根据bitcoin.org”

Bitcoin Core程序可以决定哪个区块链包含有效交易”,可以看出, Bitcoin Core是比特币网络代码的更新者,比特币如何记账,这个程序是受到Bitcoin Core的控制。

 

➤BCH(Bitcoin Cash)社区

我们都 知道,BCH是BTC的分叉链,而分叉的关键点是区块扩容。

以前,TVB一直以为BCH是BTC的儿子。今天看了江卓尔的文章,研究了Bitcoin Core到底是什么以后,TVB才明白,BCH与BTC是竞争关系。具体是怎么个竞争关系,下面我会继续解读。

 

➤Blockstream

Blockstream是一家区块链技术公司,其旗下产品有比特币侧链Liquid、比特币钱包Blockstream Green、比特币挖矿设备托管业务、Blockstream卫星网络、闪电网络、开源可开发侧链的区块链平台Elements等。

根据Blockstream官网:“Liquid是面向交易者和交易所的基于侧链的结算网络,可实现更快,更机密的比特币交易和数字资产的发行。“

江卓尔的观点是:Blockstream是Bitcoin Core背后的公司。

这有一篇文章,标题是Bitcoin Core ≠ Blockstream 下面有支持者,也有质疑的声音。

https://www.reddit.com/r/Bitcoin/comments/622bjp/bitcoin_core_blockstream/

TVB认为,Liquid作为比特币的侧链,与比特币网络、Bitcoin Core难免有利益关系。

 

➤比特大陆

虽然江卓尔没有提到比特大陆,但是比特大陆是BCH社区的重要力量。这里要补充一下,因为比特币大陆对BCH扩容的理念非常支持,所以很多人把比特币大陆和BCH划了等号。另外,BTC另一个分叉币BTG的创始人廖翔也经常因此攻击比特大陆和吴忌寒。

BCH≠比特大陆。

另外,比特大陆作为全球最大的加密资产矿机生产商,掌握着BTC算力中比重比较大的部分。所以,比特大陆与比特币网络、BTC也难免会有利益关系。

 

❖分歧❖


其实,说利益相关,所有的团体都是BTC的利益相关者。我把这个关系画成图,我相信看到Bitcoin Core主张的人,应该都会反对增发BTC的这个主张。

  

➤分歧点:BTC网络的可持续性

我们都知道,BTC是POW共识,靠算力说话。如果有超过51%的算力,就可以对BTC网络发起攻击。

而BTC算力的源动力是矿工的收益。矿工花钱买矿机、本质上就是买算力,如果没有钱赚,矿工就不会去买算力了。

我们知道,矿工的奖励来源于2部分:一部分是新发出的BTC,另一部分是区块中的交易手续费。

问题来了,今年减半以后每个区块的奖励只有6.25BTC,随着时间的推移,BTC的产量一次次的减半,矿工的这部分奖励会越来越少。那么,矿工有可能退出挖矿,全网算力减少,BTC网络就会受到被攻击的威胁。

这就是BTC网络可持续性的一个担忧。

 

➤BCH社区的主张:扩容

我先讲BCH社区的主张。

为了让BTC网络具有可持续性

→就要增加、至少要保持BTC网络的全网算力

→最好就是想办法增加矿工的收益

→对于每挖出一个区块,既然新BTC在减少,那么就想办法增加区块中的交易手续费

→也就是增加区块中的交易量,即扩容。

江卓尔提出一个论据:“Core锁死1M违反了中本聪的计划。中本聪定下了区块扩容计划,连代码都写了例子,这样新币挖完以后,’非常巨大的链上交易数(中本聪原话)’提供的手续费,就可以维持矿工(POW)系统运行。”

 

➤Bitcoin Core的主张:增发

首先,Bitcoin Core是坚决的反对扩容。

理由是抗审核性。啥叫抗审核性,就是抵抗来自政府的审核和监管。Bitcoin Core坚持1M的区块大小,因为区块容量小,BTC可以在更多低端的设备上运行。“这样政府就杀不死BTC。不被政府杀死是最高目标,所以区块必须锁死在1M不能扩容。”

其次,由于反对扩容,Bitcoin Core提出增发BTC,使其超过2100万枚。

并且,他们的核心人物Peter Todd抛出两个观点。一个是认为0%和0.5%的通胀率没什么差别;另一个是认为2100万枚上限的BTC是一种宗教式的信仰。

  

❖我的观点❖


看到这里,我相信大部分人会支持BCH社区的观点,反对Bitcoin Core。

也许有些人懒得理睬是否扩容,但是相信没有人会支持比特币增发,没有人会接受比特币的数量超过2100万枚。

 

➤扩容与增发背后的利益冲突

表面上看,是扩容之争。事实上,利益之争。

(TVB不偏不倚,客观的说)比特大陆自然是支持这个主张的,因为比特大陆是矿机生产者、矿池经营者,如果矿工的收益高,矿机就会卖得好,矿池收益也更高。

而Bitcoin Core感受到比特大陆在算力上的威胁,所以他们希望保持1M的区块大小,希望有更多的终端可以参与比特币网络,而Bitcoin Core作为一个比特币终端软件,就可以有更多的用户数量了。

说白了吧,比特大陆在设备的算力上占优势,而Bitcoin Core在设备的数量上占优势,反对扩容,本质上是想保持这种优势。

相反,BCH社区也好、比特大陆也好,他们支持扩容,除了考虑自身利益,也考虑了比特币的未来发展。只能这么说,BTC扩容同时符合比特币社区的利益和比特大陆的利益。

 

➤扩容可能是趋势

BCH社区考虑的不仅仅是利益,还有BTC网络的发展。

第一,Bitcoin Core提出的抗审核性根本是无稽之谈。就算非矿机类的很多终端在参与BTC,政府一样有办法禁止BTC。很简单,一个立法,禁止使用就可以让很多人望而却步了。何必中本聪创造BTC的动机是与中心化的美元抗衡,并不是反政府的。没必要把抗审核当成至高无尚的宗旨。所以以抗审核而坚持小区块,这个理据很难立住脚。

第二,就像BCH社区的观点,扩容可以增加一个区块中的交易数量,交易数量多了、手续费自然也就多了,矿工的收益增加了,所以即使新发行的币量变小,区块奖励也可以维持,BTC全网算力也就可以维持了,那么BTC网络的可持续性也就形成了。

第三,TVB认为先不考虑矿工收益。就说BTC网络。我们知道BTC大约是每10分钟出1个块。如果将来BTC的共识变得更强,10分钟之内越来越多的交易量,1M的区块容量很可能变得不够用,那自然还是要扩容的。

所以,BTC扩容,最主要动力的是来自于需求。Bitcoin Core反对扩容,完全是不合理的、自私的。

补充:有人提到闪电网络解决性能问题。闪电网络和比特币网络的关系,就像是微信支付和银行的关系。闪电网络的本质是以某一个比特币节点为核心,建立一个通道,支付工作都在这个通道中进行,而这个支付的过程已经不再比特币的区块链上了,所以它的安全性是没有充分保证的。闪电网络比较适合小额支付,闪电网络并不能取代扩容。

我不明白的是,为什么不能扩容呢?扩容并不能给比特币带来什么危害。相反,增发能,增发真的违背了中本聪的初衷,改变了比特币的稀缺性。

 

➤增发是不可能的

根据Peter Todd的言论,0.5%的通胀率,江卓尔推算是会发生在2024年以后。

TVB认为比特币不可能增发。

首先,如果Bitcoin Core修改了BTC的程序代码,增发了BTC,这对于大部分持币者而言,都不是利好消息。因为BTC增发以后,它的稀缺性会发生改变。

BTC超过2100万枚,没有人会乐意,除了Bitcoin Core。

所以,即使Bitcoin Core修改程序代码,增发了BTC,大概率是会分叉的。不管分叉以后哪一个币叫BTC。一定是那个有2100万枚上限的币更有价值,因为它更稀缺。

这个逻辑就是:

假如BTC增发→BTC分叉→有2100万枚的那个BTC才是信仰

其次,Bitcoin Core本意也不是增发BTC。

注意,Bitcoin Core并是非要增发BTC,他们只是为了反对扩容,为了维持自己对BTC的垄断。

所以,当BTC价格上涨了,即使新产生的BTC持续减半,矿工收益也不会变少,全网算力没有减少,Bitcoin Core也没有必要去增发BTC。

这个逻辑就是:

BTC不增发→BTC稀缺→BTC涨价→矿工收益不减→全网算力保持→没必要增发BTC

 

❖写在最后❖


一直以来,我们都认为比特大陆掌握了不少比特币的算力,形成了中心化。

这其实是大错特错的。

因为如果比特大陆是中心化,BTC就可以直接扩容了。也就没有后来的BCH了。正是因为Bitcoin Core对BTC程序具有控制性,才会分叉出BCH。

BTC的真正中心化在Bitcoin Core。Bitcoin Core是垄断。

市面上有至少四家BTC矿机厂商和很多BTC矿池,至多也就是形成寡头而已!

TVB观点是,很可能在将来某一天,BTC不得不扩容。不是为了满足矿工的收益,而是因为BTC网络上的交易数量增加,现有的区块无法满足需求。至于增发嘛,增发是不可能的增发!

所以TVB和江卓尔的观点相同之处是——反对Bitcoin Core。

不同的地方是:江卓尔认为BCH是真正的BTC,而TVB支持的是——有一天Bitcoin Core无法控制、不得不扩容的BTC。(当然,BCH也是个好项目)

Ripple Partner Reports Loss In Q4 2019

Ripple XRP Moneygram News

Ripple Partner Reports Loss In Q4 2019


In a just-released earnings report, Ripple partner, MoneyGram, showed a USD $11.9 million loss for the fourth quarter of last year. This is the fifth consecutive quarter without a profit. Nevertheless, the company’s partnership with Ripple is set to open new sources of revenue.


REVENUE FROM RIPPLE PARTNERSHIP IS OBSCURED

Whereas there are many factors that are contributing to MoneyGram’s continued losses, the company has clearly been affected by the growing role of cryptocurrency in international remissions. Last year’s much-hyped partnership with Ripple indicated that the money transfer business had come to respect the power of blockchain assets, and intended to modernize its services.

Ripple XRP Moneygram

Ripple XRP Moneygram

Interestingly, the Q4 report notes that after consulting with the U.S. Securities and Exchange Commission (SEC) the company will classify $8.9 million in revenue from its Ripple partnership as contra expense. This move, an accounting classification often taken to simplify tax returns, is almost certainly related to the unresolved question of whether or not XRP is a security. 

REMISSIONS MARKET CHANGING RAPIDLY

Analysts consider MoneyGram’s partnership with Ripple to be a smart move for the company. The cryptocurrency revolution has remissions squarely in its crosshairs. This step will enable MoneyGram to introduce new revenue streams as the traditional methods used to move fiat around the world begin to dry up.  

There are, nevertheless, greater challenges ahead. Notably, many other companies are now entering this sector. JP Morgan and IBM both have blockchain-based solutions in the works, and the Swift Network is aggressively exploring new options as well. Simply put, although Ripple and MoneyGram are in strong positions, they are about to experience substantial competition. 

Perhaps the greater long-term issue is the the borderless, decentralized architecture of blockchain assets. Mainstream crypto adoption could render traditional fiat currency, and thus MoneyGram, obsolete. There is no question that all players in this space have considered this possibility, which would represent a paradigm shift in the global economic structure.

A Q4 loss may be frustrating, yet MoneyGram can rest easy knowing that it is taking proactive steps to ensure a return to profitability. The company’s ability to adapt to greater changes ahead remains to be seen.

What do you make of Moneygram’s recent losses? Add your thoughts below!


Images via Shutterstock

Pompliano Says He Wouldn’t Buy XRP

Pompliano Says He Wouldn't Buy XRP Ripple

Pompliano Says He Wouldn’t Buy XRP


Anthony Pompliano, host of the “Off the Chain” podcast and co-founder of Morgan Creek Capital, said he would not buy XRP when asked in an interview with CNN’s Julia Chatterley. Pomp set Bitcoin apart from other blockchain projects and said XRP has nothing driving value that he could point to.


Pomp Shows No Love For Ripple’s XRP

Anthony Pompliano, co-founder of Morgan Creek Digital Assets and host of Off the Chain, spoke to CNN’s Julia Chatterley today, and pulled no punches when the anchor asked if he’d ever consider buying XRP or TRX.

Pomp flatly said no, without hesitation, to both crypto-assets and set Bitcoin apart from all other blockchain projects. He stated that he simply didn’t believe that they held the same value proposition as Bitcoin.

No, because I ultimately don’t think that they have the same value that these other assets have. My belief is that stocks – what gives them value? – GDP, revenue, profits etc. Everything that makes those valuable, that doesn’t change. You’re just changing the technology form factor of which you will buy that asset.

He continued,

All of these other assets that are ‘utility tokens’, either they’re utility in terms that they give you access to something so they’re not really an investment, or its more I get utility or some [better] service in exchange

Pompliano went on to explain that XRP, the token, and Ripple, the software company, are two very different investments. For example, Ripple labs has assets like xRapid, xCurrent, and XRP, as well as profits, cash flow, investments in Bitso, Moneygram, and other metrics used to give valuation. XRP on the other hand has nothing creating or driving its value other than price speculation.

Ripple the software company is different than XRP, the token. I think that part of the problem is that retail investors had believed that by buying XRP they have exposure to financial performance of Ripple. That’s obviously not true… If Ripple is successful that does not necessarily mean that XRP ends up being successful.

He added,

I as an investor actually want to own equity in the software company because there’s profits, there’s assets, revenues etc. I don’t want to own an asset that may or may not be there in the future and doesn’t have underlying utility or value driver that I can point to and say I have confidence that that’s going to last

Pomp went on to say that besides Bitcoin, he feels that tokenized securities are the second most interesting kind of crypto investments and that he sees a large future for tokenization of traditional assets.

Pomp has almost half his net worth in Bitcoin

Pompliano finished the interview segment by answering Chatterly’s questions about an earlier statement where he admitted to having half his net worth in Bitcoin. Pomp admitted he did have roughly half his net worth in Bitcoin even though he hadn’t recently crunched the numbers.

He went on to say he had even purchased more BTC since his public admission. At the beginning of the interview with Chatterley, the CNN anchor asked Pomp about the environmental impact of Bitcoin’s PoW mining.

Pompliano made an excellent case for mining being used by energy companies to capture renewable energy and profit from energy that would normally go to waste. He also brought up the fact that 70% of the energy used to mine BTC is renewable.

Bitcoin can create a more efficient energy market for these companies. He also pointed out that Bitcoin is the most secure computer network on earth, and that security is a valid expenditure of energy resources. This security is a key driver in Bitcoin’s position as a store of value.

Becoming a store of value is necessary before other monetary qualities like becoming a medium of exchange or unit of account can occur.

What do you think of Pomp’s XRP commentary? Let us know in the comments!


Images via Ripple Coin News, Twitter @jchatterleyCNN