为什么比特币爱好者憎恨纽约监管比特币的草案

[freee101]

全球的，匿名的，无任何中央权威，比特币和其他数字货币不易被监管－由设计决定的。但纽约金融服务部门昨日发布了一项草案试图监管比特币。
 
该方案将对在纽约做比特币业务的公司发布比特许可证（bitlicenses）。一些人欢迎对虚拟货币的监管行动，是把他们融入主流的一步。但批评人士说，纽约的规则太严格，如果通过，将打压刚刚萌芽的比特币业务和对其他国家政策的考虑树立一个不好的先例。
这些是比特币爱好者的主要批评建议：
它太侵犯个人权利。
经济上太死板。
对比特币业务的细微差别比较无知。
评论：监管当然都不自由，但不监管又难入主流，也许最终都是一种妥协的结果。
 
 
Global, anonymous, and free from any central authority, bitcoin and other digital currencies are not easy to regulate—by design. But a proposal released yesterday by the New York State Department of Financial Services attempts to do just that.
+
The proposal would create “BitLicenses” for companies doing business with bitcoins in New York. Some welcome the move to regulate virtual currencies, which could be a step toward bringing them into the mainstream. But critics say New York’s rules are too stringent and, if adopted, will sink the state’s burgeoning bitcoin business and set an unwelcome precedent as other states consider policies.
+
These are the main criticisms that bitcoin enthusiasts are making of the proposal:
+
It’s too intrusive
Under the policy, businesses would be required to maintain transaction information, including the identities and physical addresses of involved parties, on file for 10 years. This undermines one of the central tenets of virtual currencies—that they’re anonymous.
+
It’s too financially rigid
“Each firm must hold Virtual Currency of the same type and amount as any Virtual Currency owed or obligated to a third party,” the press release says. Moreover, companies are prohibited from doing anything with currency save for holding it stagnantly, and are required to maintain a bond or trust account—of an unspecified amount—“for the benefit of its customers.” In other words, bitcoin businesses won’t have anything like the flexibility of regular banks, which are allowed to make investments with customer cash.
+
It’s ignorant of the nuances of bitcoin businesses
The only companies that don’t fall under the regulation are those that accept bitcoin payments as goods and services, such as the e-commerce company Overstock.com. But the policies lump together companies that actually hold bitcoins—like Mt. Gox, the notorious Japanese exchange that saw nearly half a billion dollars disappear from under their noses—with companies like ChangeTip that just facilitate transactions.
+
Bitcoin is still a wild west for regulators. While the US Financial Crimes Enforcement Network broke ground last year in deciding that companies that exchanged virtual for real currency should be regulated as money transmitters, New York is the first state to broach the subject. And the state’s superintendent of financial services, Benjamin Lawsky, seems eager to engage with the bitcoin community—for thesecond time in the past four months, he asked for feedback in a Reddit bitcoin threadthat has garnered over 1,500 comments so far.
+
Bitcoin buffs will have some time to register their displeasure. After the proposal is formally published in the July 23 edition of the New York State Register, there will be a 45-day comment period before the DFS revises and finalizes the rules.

[luneng]

全球的，匿名的，无任何中央权威，比特币和其他数字货币不易被监管－由设计决定的。但纽约金融服务部门昨日发布了一项草案试图监管比特币。
 
该方案将对在纽约做比特币业务的公司发布比特许可证（bitlicenses）。一些人欢迎对虚拟货币的监管行动，是把他们融入主流的一步。但批评人士说，纽约的规则太严格，如果通过，将打压刚刚萌芽的比特币业务和对其他国家政策的考虑树立一个不好的先例。
这些是比特币爱好者的主要批评建议：
它太侵犯个人权利。
经济上太死板。
对比特币业务的细微差别比较无知。
评论：监管当然都不自由，但不监管又难入主流，也许最终都是一种妥协的结果。
 
 
Global, anonymous, and free from any central authority, bitcoin and other digital currencies are not easy to regulate—by design. But a proposal released yesterday by the New York State Department of Financial Services attempts to do just that.
+
The proposal would create “BitLicenses” for companies doing business with bitcoins in New York. Some welcome the move to regulate virtual currencies, which could be a step toward bringing them into the mainstream. But critics say New York’s rules are too stringent and, if adopted, will sink the state’s burgeoning bitcoin business and set an unwelcome precedent as other states consider policies.
+
These are the main criticisms that bitcoin enthusiasts are making of the proposal:
+
It’s too intrusive
Under the policy, businesses would be required to maintain transaction information, including the identities and physical addresses of involved parties, on file for 10 years. This undermines one of the central tenets of virtual currencies—that they’re anonymous.
+
It’s too financially rigid
“Each firm must hold Virtual Currency of the same type and amount as any Virtual Currency owed or obligated to a third party,” the press release says. Moreover, companies are prohibited from doing anything with currency save for holding it stagnantly, and are required to maintain a bond or trust account—of an unspecified amount—“for the benefit of its customers.” In other words, bitcoin businesses won’t have anything like the flexibility of regular banks, which are allowed to make investments with customer cash.
+
It’s ignorant of the nuances of bitcoin businesses
The only companies that don’t fall under the regulation are those that accept bitcoin payments as goods and services, such as the e-commerce company Overstock.com. But the policies lump together companies that actually hold bitcoins—like Mt. Gox, the notorious Japanese exchange that saw nearly half a billion dollars disappear from under their noses—with companies like ChangeTip that just facilitate transactions.
+
Bitcoin is still a wild west for regulators. While the US Financial Crimes Enforcement Network broke ground last year in deciding that companies that exchanged virtual for real currency should be regulated as money transmitters, New York is the first state to broach the subject. And the state’s superintendent of financial services, Benjamin Lawsky, seems eager to engage with the bitcoin community—for thesecond time in the past four months, he asked for feedback in a Reddit bitcoin threadthat has garnered over 1,500 comments so far.
+
Bitcoin buffs will have some time to register their displeasure. After the proposal is formally published in the July 23 edition of the New York State Register, there will be a 45-day comment period before the DFS revises and finalizes the rules.

楼主可以详细介绍一下,纽约的情况吗?

[stjcant]

很简单，触动了某些人的利益

[fwzd]

其实有一层意思很可怕，即如果发明人不去申请license, 该数字货币随时可被纽约判断为非法并取缔。

[1688]

这是想把比特币变成Q币的节奏啊

[freee101]

全球的，匿名的，无任何中央权威，比特币和其他数字货币不易被监管－由设计决定的。但纽约金融服务部门昨日发布了一项草案试图监管比特币。
 
该方案将对在纽约做比特币业务的公司发布比特许可证（bitlicenses）。一些人欢迎对虚拟货币的监管行动，是把他们融入主流的一步。但批评人士说，纽约的规则太严格，如果通过，将打压刚刚萌芽的比特币业务和对其他国家政策的考虑树立一个不好的先例。
这些是比特币爱好者的主要批评建议：
它太侵犯个人权利。
经济上太死板。
对比特币业务的细微差别比较无知。
评论：监管当然都不自由，但不监管又难入主流，也许最终都是一种妥协的结果。
 
 
Global, anonymous, and free from any central authority, bitcoin and other digital currencies are not easy to regulate—by design. But a proposal released yesterday by the New York State Department of Financial Services attempts to do just that.
+
The proposal would create “BitLicenses” for companies doing business with bitcoins in New York. Some welcome the move to regulate virtual currencies, which could be a step toward bringing them into the mainstream. But critics say New York’s rules are too stringent and, if adopted, will sink the state’s burgeoning bitcoin business and set an unwelcome precedent as other states consider policies.
+
These are the main criticisms that bitcoin enthusiasts are making of the proposal:
+
It’s too intrusive
Under the policy, businesses would be required to maintain transaction information, including the identities and physical addresses of involved parties, on file for 10 years. This undermines one of the central tenets of virtual currencies—that they’re anonymous.
+
It’s too financially rigid
“Each firm must hold Virtual Currency of the same type and amount as any Virtual Currency owed or obligated to a third party,” the press release says. Moreover, companies are prohibited from doing anything with currency save for holding it stagnantly, and are required to maintain a bond or trust account—of an unspecified amount—“for the benefit of its customers.” In other words, bitcoin businesses won’t have anything like the flexibility of regular banks, which are allowed to make investments with customer cash.
+
It’s ignorant of the nuances of bitcoin businesses
The only companies that don’t fall under the regulation are those that accept bitcoin payments as goods and services, such as the e-commerce company Overstock.com. But the policies lump together companies that actually hold bitcoins—like Mt. Gox, the notorious Japanese exchange that saw nearly half a billion dollars disappear from under their noses—with companies like ChangeTip that just facilitate transactions.
+
Bitcoin is still a wild west for regulators. While the US Financial Crimes Enforcement Network broke ground last year in deciding that companies that exchanged virtual for real currency should be regulated as money transmitters, New York is the first state to broach the subject. And the state’s superintendent of financial services, Benjamin Lawsky, seems eager to engage with the bitcoin community—for thesecond time in the past four months, he asked for feedback in a Reddit bitcoin threadthat has garnered over 1,500 comments so far.
+
Bitcoin buffs will have some time to register their displeasure. After the proposal is formally published in the July 23 edition of the New York State Register, there will be a 45-day comment period before the DFS revises and finalizes the rules.

楼主可以详细介绍一下,纽约的情况吗?

你的意思是把细节翻译出来、？ 还是说纽约的情况。每一个法律出台，民主国家当然都不会一致通过，会有争论

[freee101]

参见 https://bitcointalk.org/index.php?topic=700532.0

[Wednesdaycat]

还以为出台监管条例是开放、自由的表现，谁知道监管这么严，简直就是扼杀

[passsuai]

这只是一个草案而已.还没有正是批下来.他们也就只会说说

[Asmodeus-btc]

如果门坎变那么高,这是另一种方式在扼杀创新,看得到也吃不到.

[btcpay86]

其实有一层意思很可怕，即如果发明人不去申请license, 该数字货币随时可被纽约判断为非法并取缔。

火药的发明人也没有向中国主管当局申请过，看来也应该取缔火药，从而取缔战争！

[Sundayhotman]

不知道这些监管条例是由哪个部门制定，这也太严了吧

[Amanlindas]

看来纽约不适合比特币企业的生存了

[nihaoma]

监管是好事情啊，可能方法不太对，必定是个新产业都在摸索。监管是好的开始，没说要扼杀，既然开始监管就说明正在想办法让它健康发展。