2023 年，全球范圍內(nèi)出現(xiàn)了前所未有的加密貨幣監(jiān)管浪潮，但這種變化在美國(guó)最為明顯。

繼 2022 年 8 月美國(guó)財(cái)政部對(duì)以太坊混幣器 Tornado Cash 實(shí)施制裁后，2023 年美國(guó)證券交易委員會(huì)針對(duì)中央交易所提起的多項(xiàng)訴訟、對(duì)開(kāi)發(fā)商的刑事指控，甚至該行業(yè)的認(rèn)罪，導(dǎo)致了一次又一次的打擊。最著名的公眾人物。

信息很明確：對(duì)美國(guó)政府干預(yù)該行業(yè)意愿的任何揮之不去的懷疑都已消除。

現(xiàn)在，隨著雙方要求采取監(jiān)管行動(dòng)的呼聲越來(lái)越高，我們進(jìn)入了新的一年，無(wú)論好壞，2024 年都將成為加密貨幣政策的分水嶺。

為了進(jìn)一步評(píng)估現(xiàn)狀，

采訪(fǎng)了 Hedera 首席政策官 Nilmini Rubin，她目前的工作使她處于提供見(jiàn)解的獨(dú)特位置。

魯賓的職業(yè)生涯從國(guó)會(huì)大廳一直延伸到西翼，她在政策制定和技術(shù)實(shí)施方面的豐富經(jīng)驗(yàn)使她處于區(qū)塊鏈技術(shù)、政策和全球市場(chǎng)趨勢(shì)的交匯點(diǎn)。

對(duì)話(huà)

作為國(guó)會(huì)各種對(duì)話(huà)的參與者，魯賓對(duì)立法者的擔(dān)憂(yōu)提供了一些見(jiàn)解，這些擔(dān)憂(yōu)多種多樣。

“一些（政策制定者）??只是對(duì)了解基礎(chǔ)技術(shù)感興趣，”她說(shuō)。

“其他人希望深入研究技術(shù)的最深層部分和政策影響，”她繼續(xù)說(shuō)道，并進(jìn)一步解釋說(shuō)，擔(dān)憂(yōu)的范圍包括國(guó)家安全、商業(yè)機(jī)會(huì)、環(huán)境影響等。

魯賓指出，全球視角似乎有所不同。

“他們從一個(gè)非常不同的框架來(lái)看待這個(gè)問(wèn)題。

更重要的是，一般來(lái)說(shuō)有什么好處，以及我們?nèi)绾谓档惋L(fēng)險(xiǎn)？”

這種方法在美國(guó)以外很常見(jiàn)，反映了對(duì)區(qū)塊鏈技術(shù)更廣泛、更全面的視角。

這些地區(qū)的政策制定者傾向于權(quán)衡整體優(yōu)勢(shì)與潛在風(fēng)險(xiǎn)，尋求既考慮技術(shù)創(chuàng)新又考慮其社會(huì)影響的平衡觀(guān)點(diǎn)。

相比之下，魯賓指出，美國(guó)政策制定者經(jīng)常關(guān)注區(qū)塊鏈如何適應(yīng)美國(guó)現(xiàn)行法律和政策。

這種內(nèi)向的方法更多地是將新技術(shù)集成到現(xiàn)有框架中，而不是重新評(píng)估或調(diào)整這些框架以適應(yīng)新的可能性。

魯賓進(jìn)一步解釋說(shuō)，例如，在與亞洲同行討論區(qū)塊鏈政策時(shí)，對(duì)話(huà)通常涉及研究歐洲或英國(guó)等不同地區(qū)如何解決類(lèi)似問(wèn)題，這表明采取更具比較性和全球信息的方法。

In explaining why U.S. policymakers might not adopt a similar global perspective, Rubin suggests that it’s largely a matter of focus. “They’re really thinking about the United States. They’re thinking about their constituents,” she says. This constituent-focused approach can sometimes limit the scope of their policy considerations to domestic concerns, potentially overlooking broader global perspectives or innovative approaches adopted elsewhere.

Applications

While many think of the crypto space as a world characterized by high risk and hyperbolic expectations, Rubin stresses that Hedera is working from a position of real-world application, with little interest in its token’s secondary market value. It has so far found special uses in agriculture and carbon tracking, both of which have not only huge markets to serve but also stand to benefit from expanded capacities for eco-conscious business practice.

Rubin highlighted Dovu, a marketplace built on the Fonterra platform, which allows farmers to issue tokenized carbon credits. This innovation offers a dual benefit: it provides farmers with a new revenue stream by monetizing the carbon sequestered in their soil and contributes to environmental sustainability. The process involves farmers planting crops beyond their usual areas and receiving credits for the additional carbon capture. What sets this system apart is its transparency and accountability, as blockchain technology enables precise tracking of where each carbon offset originates, thus avoiding greenwashing.

Rubin emphasized that while the conversation surrounding these technologies often becomes narrowly focused on the fluctuating values of cryptocurrencies as assets, the real value is in what each asset does and what it is for. Regarding the market price of a crypto asset, Rubin says:

“It’s not about that at all. It’s what what the point of this is to enable businesses to thrive. It’s not about the asset. And so we want to show how people are using the technology. The crypto is just a fuel to power the network.”

She explained that, unlike the Web 2.0 model, which relies heavily on advertisement for funding, blockchain technology (or, in Hedera’s case, hashgraph technology) operates on a different paradigm. It utilizes the smaller fees associated with the exchange of information as a funding mechanism. This approach is not only global in its reach but also necessitates rapid processing, for which cryptocurrency becomes a more practical tool than traditional currencies, especially when considering the limitations of standard banking hours and transaction clearances.

2024 and forward

展望未來(lái)，魯賓對(duì)美國(guó)區(qū)塊鏈監(jiān)管的進(jìn)展表示了謹(jǐn)慎的樂(lè)觀(guān)態(tài)度。她表示，“我希望能夠取得一些進(jìn)展，有助于推進(jìn)美國(guó)對(duì)區(qū)塊鏈和加密貨幣的監(jiān)管”。政策制定者的意識(shí)以及華盛頓有關(guān)加密貨幣政策的討論水平不斷提高。

然而，她承認(rèn)，事情在華盛頓發(fā)生并不容易或很快，因此她的樂(lè)觀(guān)情緒中帶著謹(jǐn)慎的情緒。

在那之前，她和其他人必須繼續(xù)努力推動(dòng)重要的對(duì)話(huà)。

正如魯賓所概述的，其目的是為政策制定者闡明區(qū)塊鏈技術(shù)的更廣泛實(shí)用性和豐富性。

目標(biāo)是確保為管理該領(lǐng)域而制定的任何法規(guī)都能夠認(rèn)識(shí)到并利用該技術(shù)的潛力來(lái)造福消費(fèi)者和企業(yè)。

“我們希望政策制定者了解這項(xiàng)技術(shù)的豐富性，以便他們制定的任何規(guī)則都能使該技術(shù)惠及消費(fèi)者。

如果他們只從解決不良玩家所犯下的欺詐行為來(lái)考慮這個(gè)問(wèn)題，他們就有可能把孩子和洗澡水一起倒掉。

我們絕對(duì)不希望這種情況發(fā)生?！?/p>

監(jiān)管方面需要取得微妙的平衡——防止欺詐和不良行為者的濫用，同時(shí)又不扼殺技術(shù)的創(chuàng)新和有益方面。

在這一年里，不良行為者占據(jù)了頭條新聞——而且不乏不良行為者——尼爾米尼·魯賓和她的同事每天都在提醒美國(guó)立法者，當(dāng)不良行為者被掃蕩時(shí)，不要忽視該技術(shù)的許多精彩應(yīng)用。離開(kāi)。

熱點(diǎn)：加密貨幣 加密 政策 斯科特