Έκθεση της ασφαλιστικής κοινοπραξίας Lloyd’s για το Bitcoin
Δημοσιεύτηκε έκθεση της ασφαλιστικής κοινοπραξίας Lloyd’s που εξετάζει το Bitcoin καθώς και την δυνατότητα ασφαλιστικών παροχών σε εταιρείες που δραστηριοποιούνται γύρω από αυτό.
The growing volume of Bitcoin transactions is generating demand for insurance cover for Bitcoin operations and this report was commissioned to investigate the risks that insurers should consider in designing risk transfer
Jerry Brito and Peter Van Valkenburgh (Coin Center) describe a classification of ‘local attacks’ – i.e. those designed to steal specific bitcoin assets – and ‘global attacks’ that seek to steal bitcoins by manipulating the Bitcoin network as a whole. Their analysis investigates the capabilities and intent underlying the threat of both forms of attack.
Στην έκθεση γίνετε περιγραφή από τους Jerry Brito και Peter Van Valkenburgh των ψηφιακών κινδύνων απώλειας των Bitcoin που αντιμετωπίζουν αυτές οι εταιρείες και αναφέρουν τρόπους αντιμετώπισης τους.
Jerry Brito and Peter Van Valkenburgh (Coin Center) describe a classification of ‘local attacks’ – i.e. those designed to steal specific bitcoin assets – and ‘global attacks’ that seek to steal bitcoins by manipulating the Bitcoin network as a whole. Their analysis investigates the capabilities and intent underlying the threat of both forms of attack.
Quantifying risk is difficult within the Bitcoin industry. The technology is new, early entrepreneurs show wideranging skill, caution and capability, and best practices are still being determined and implemented. Even before Mt. Gox’s insolvency, the exchange industry had a worrisome track record. Computer scientists Tyler Moore and Nicolas Christin found that of some forty Bitcoin exchanges established in a three-year period, eighteen closed, many taking consumer balances with them46. Some have called the spate of failures a sign of a shake-out or changing of the guard: under-qualified or downright criminal amateurs are exiting an industry that has outgrown them. Others, however, question this analysis, arguing that too many technically savvy and reasonable persons have suffered losses47. In this analysis, the underlying cause was the weaknesses of the technology’s early iterations and the slow adoption of newer techniques for safeguarding funds. Those newer technologies have been discussed throughout this report: multi-sig, cold storage and hybrid wallets. Rather than quantifying risk from past performance, Coin Center advises that insurers and industry observers keep tabs on whether a business is employing these new controls.
Ενώ ακολούθως γίνετε περιγραφή των ίδιων θεμάτων και από τον Garrick Hileman καθηγητή οικονομολόγο του London School of Economics καθώς και εκτενή ανάλυση των γενικών οικονομικών στοιχείων του Bitcoin
Financial and monetary systems rarely experience paradigm shifts. Indeed, the operating principles that guide commercial and central banks have remained largely similar to the era when Walter Bagehot’s Lombard Street was first published in 1873. Today, however, many believe that cryptocurrencies such as Bitcoin have the potential to revolutionise the way we transact, store and account for value.
Most of the security risk associated with Bitcoin tends to be focused on service providers such as wallets and exchanges, and Bitcoin security has arguably come a long way in recent months with the further adoption of additional security measures, such as the wider use of multi-signature (third-party transaction approval) and “cold storage” (offl ine) wallets. However, a recent study of wallet services and their ability to survive an attack designed to exploit the Bitcoin protocol’s long-known transaction malleability problem (where elements of a Bitcoin transaction are performed in a way that undermines the integrity of the transaction’s data) revealed that problems still exist at nearly all major Bitcoin wallets. Th e test conducted by Andrychowicz et al found that all the wallets in their study except Xapo and Bitcoin Core failed at least one aspect of their transaction malleability test,
Η έκθεση κλείνει με το συμπέρασμα ότι ενώ το Bitcoin παίζει ήδη ένα σημαντικό ρόλο για τον εκσυγχρονισμό του χρηματοπιστωτικού συστήματος υπάρχουν όμως σημαντικοί ψηφιακοί κίνδυνοι για τις Bitcoin επιχειρήσεις καθώς δεν έχουν βρεθεί ακόμα λύσεις αντιμετώπισης τους.
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