H πολιτεία της Νέας Υόρκης παρουσιάζει το πρώτο νομοθετικό πλαίσιο για το Bitcoin

Ο εποπτεύον του τμήματος οικονομικών της Νέας Υόρκης NYDFS(New York Department of Financial Services) Ben Lawsky παρουσίασε σήμερα το πλαίσιο κανονισμών για την λειτουργία των επιχειρήσεων γύρω από την νέα τεχνολογία των ψηφιακών νομισμάτων.

Η παρουσίαση έγινε στο BITS Emerging Payments Forum με ομιλία του Ben Lawsky

Benjamin M. Lawsky, Superintendent of Financial Services, today announced the release of the New York State Department of Financial Services’ (NYDFS) final BitLicense – the first comprehensive framework for regulating digital currency firms.

The BitLicense – which is the product of a nearly two-year-long NYDFS inquiry – contains key consumer protection, anti-money laundering compliance, and cyber security rules tailored for digital currency companies. A copy of the final BitLicense regulation is available here.

Superintendent Lawsky also delivered remarks today at the BITS Emerging Payments Forum in Washington, DC regarding the final BitLicense and payments regulation – the text of which can be found below.

Μερικά σημαντικά σημεία της ομιλίας του είναι τα ακόλουθα

Indeed, it was interesting to see that some responded to the emergence of digital currencies with calls to “ban Bitcoin.”

That is a curious concept – banning Bitcoin.

How exactly does someone go about banning computer code?

The answer, of course, is that you cannot

Financial regulators and policymakers need to recognize that when it comes to digital currencies and other new payments technology – the genie is already out of the bottle.

And those that try to turn back the clock risk facing the same fate as the Luddites.

I’ll be honest; I hadn’t even heard the word Bitcoin until early 2013 in the context of the banking crisis that occurred in Cyprus.

And, at first, the whole concept struck me as a little bizarre.

However, the more we dug into it, the more interesting and promising it seemed.

We hadn’t originally appreciated how the Bitcoin blockchain represented a major advance in cryptography, which could have significant applications in a multitude of areas.

That the technology underlying Bitcoin could be used not just as a currency, but potentially as a means to transfer all manner of personal property (such as deeds) securely over the Internet.

That – when it comes to Bitcoin – platforms could be built upon platforms could be built upon platforms by future innovators.

Frankly, we do not know what digital currency is going to look like in five or ten years – and there are a lot of interesting possibilities.

There might be – at the very least – a kernel of something here that has a profound impact on the future of payments technology and the financial system. Regulators are not always the experts on such matters, but my gut now is that it’s likely.

As we have noted in previous contexts, I think it would shock most consumers to learn that – at its core, despite modest improvements – our bank payments has changed little since it was created four decades ago in the 1970s.

And it generally takes you longer to transfer money electronically than it would to physically transport that cash to another state or country.

In a world where information travels around the globe in a matter of milliseconds, it can often take several days to transfer money to a friend’s bank account.

In an age of smart phones and on-demand technology, we still have a disco-era payments system.

That needs to change and we are starting to see real efforts at improvements.

We need to recognize that our children and their children will not hesitate to bank and live their entire financial lives online.

And in the online world, people expect near-instantaneous execution.

Ολόκληρο το πλαίσιο κανονισμών αδειοδότησης μπορείτε να το διαβάσετε εδώ