亚洲 Web3 联盟提议美日在代币化方面开展合作

根据拟议的监管改革，澳大利亚的加密货币交易所和稳定币发行商可能很快会面临更严格的许可规则。 On March 20, the Treasury released a new policy paper outlining plans to bring key parts of the digital asset industry under existing financial services laws. According to authorities, the regulations would help “identify opportunities, manage risks, unlock innovation, protect consumers and uphold market integrity.” Under the proposed framework, crypto platforms that hold digital assets for customers, such as exchanges, custodians, and certain brokerages, will need to operate under an Australian Financial Services Licence. 从事代币化储值设施的平台（例如一些稳定币发行商）也将被纳入其中。这些发行商需要满足与其他储值提供商相同的要求，包括明确的兑换规则和保护客户资产的规定。 当局指出，这种方法将“解决（数字资产平台）和代币化SVF的独特风险”，并对没有明确发行人的代币实施额外的披露规则。 然而，为非金融目的创建数字资产、维护基础设施或构建区块链软件的企业将不受新法律的监管。 你可能还喜欢：澳大利亚联邦警察警告称，币安冒充诈骗活动主要针对本地居民 小型和早期平台也可以免于全面的许可要求，尽管它们可能仍需要根据政策文件满足一些定制的合规规则。 用于支付的稳定币将面临与传统非现金支付系统类似的监管，因为在更广泛的支付改革下，它们将被视为储值设施。 然而，交易这些代币或在二级市场上交易它们不会自动算作金融交易。参与此类交易的平台不会仅仅因为它们上架了稳定币或包装代币而被视为金融市场。 预计该法律草案将于 2025 年某个时候出台，推出日期将在立法最终确定后确认。 解决澳大利亚的去银行化问题 The government also addressed the growing problem of de-banking, where crypto businesses are denied banking services. Officials said they’re working closely with Australia’s major banks to “understand the extent and nature of de-banking.” In recent years, de-banking has become a major headache for crypto firms in Australia, with big players like Commonwealth Bank, Westpac, NAB, and HSBC Australia cutting off or restricting services to such entities. 当局指出：“去银行化可能会对去银行化企业和个人产生毁灭性影响。它还会抑制金融服务业的竞争和创新，并对澳大利亚经济产生负面影响。”并补充说，拟议的框架将加强整个加密货币行业的风险管理，进而提高人们对银行的信任。 展望未来，监管机构还将探索代币化如何重塑资产市场，评估加密税收报告标准，监控 DeFi 的发展，并权衡央行数字货币对澳大利亚金融体系的潜在好处。 阅读更多：澳大利亚 AUSTRAC 针对 50 家加密货币提供商展开反洗钱行动

Bitcoin was conceived as the first sustainable electronic commerce network independent of financial institutions. Fifteen years later, there is much talk about how Bitcoin will strengthen the American dollar, while financial institutions are investing in cryptocurrency. At the same time, it is still possible to come across remarks like “fiat money’s days are counted” when the Bitcoin price goes up. Is Bitcoin a threat to the traditional financial system? Table of ContentsWhat do we learn from the Bitcoin whitepaper?Bitcoin as a banking system competitorHow do institutional investors and governments instrumentalize Bitcoin?Conclusion What do we learn from the Bitcoin whitepaper? Before launching the Bitcoin network on Jan. 3, 2009, Satoshi Nakamoto released the Bitcoin whitepaper, a nine-page document explaining the purpose and functioning of Bitcoin. It is titled “Bitcoin: A Peer-to-Peer Electronic Cash System.” The Bitcoin whitepaper has a clear message regarding banks and the need for Bitcoin as a healthier alternative. Nakamoto states that the traditional commerce system “works well enough for most transactions,” however, he outlines several problems that he intends to solve using Bitcoin.  He emphasizes that the involvement of banks between the two counterparts creates additional costs for the mediation of the transaction. More than that, the system faces the task of struggling with fraudsters. It increases the costs and undermines privacy, as banks have to collect user information in order to ensure the authenticity of transactions. Despite this, fraud transactions are inevitable. Additionally, the mediation of banks means that transactions are reversible by design.  So, Bitcoin is intended to serve as a means of remote payments free of the mentioned issues, and Satoshi Nakamoto found the technical workaround for the problems inherent to transactions operated by banks. Nakamoto stresses that, unlike banks, Bitcoin is a trustless system, meaning that a third party cannot intervene in the transaction between two parties. Once your money's in the bank it's no longer your money ✌️Gold, Bitcoin, or beg. pic.twitter.com/NJQPrBpahm— Peter St Onge, Ph.D. (@profstonge) May 11, 2025 Nakamoto has criticized banks, both in the whitepaper and in a sophisticated way in the Genesis block, to which he attached a newspaper headline pointing at the situation in which the government is bailing out banks amidst the economic crisis of 2008.  However, instead of opposing banks or subjecting the banking system to scrutiny, Nakamoto offered an alternative system that may complement the banking system and deliver additional options to those who need them. Despite Bitcoin’s own drawbacks, the network is alive to this day and is gradually being absorbed by governments and financial institutions. Banks are creating Bitcoin treasuries these days. 🇨🇭 SWISS CENTRAL BANK JUST URGED TO CREATE A STRATEGIC #BITCOIN RESERVE AT ANNUAL MEETINGIT’S HAPPENING!!! 🚀 pic.twitter.com/8N93xwCvLC— Vivek⚡️ (@Vivek4real_) April 25, 2025 Bitcoin as a banking system competitor While some see Bitcoin as a replacement for the traditional financial system or central banks, it doesn’t seem to be the case. Bitcoin is good for sending transactions across the globe. As history has proven, Bitcoin has a great potential for long-term value appreciation, so it can be used as a store of value. The latter characteristic became the reason why, in 2025, various governments and companies started to grow their Bitcoin treasuries.  Stablecoins are a type of cryptocurrency that has huge potential and significance. Those who can’t stand Bitcoin’s volatility prefer stablecoins both as a store of value and as a means of remittance. More than that, stablecoins may have significance for central banks, but we’ll address this in the last section of the article. Bitcoin itself is not fit to replace the banks. It doesn’t regulate interest rates nor manipulate the money printing. You cannot get a loan using Bitcoin (however, it is possible to do it via specific DeFi platforms that we don’t discuss in this article). However, Bitcoin and other cryptocurrencies are in use as a store of value and remittance tool in multiple African countries where millions of people don’t have bank accounts, but the smartphone penetration rate is high, which opens an opportunity to use blockchain-based solutions as a replacement for the banking services. However, the main type of crypto in Africa is stablecoins.  Read more:African crypto revolution continues as Ethiopia ranks among global BTC mining leaders Finally, there is a way to rationally interpret messages about the potential defeat of the fiat money system to Bitcoin. It shouldn’t be understood literally as Bitcoin replacing fiat money, but as the preference for Bitcoin over fiat money when it comes to savings. Some people prefer to save money with Bitcoin, as its price is more sustainable than that of national currencies in their countries.  So, when someone reacts to another Bitcoin price spike by saying “fiat money’s days are counted,” it means that it becomes less and less rational to save money in national currency. However, as of 2025, it is still easier to spend money using traditional avenues.  How do institutional investors and governments instrumentalize Bitcoin? Institutional investors are getting increasingly interested in Bitcoin. It’s early to declare that Bitcoin is something normal for all of them, but these days, Bitcoin is way less marginal than it was in 2017 or even 2021. They start to perceive Bitcoin as a strategic investment. JUST IN: $11 TRILLION BLACKROCK CIO SAYS INSTITUTIONAL INVESTORS ARE "FOCUSED ON #BITCOIN RIGHT NOW"ALL OTHER CRYPTOS ARE A "DISTANT SECOND" 🔥 pic.twitter.com/OKVpaFIvO3— The Bitcoin Historian (@pete_rizzo_) April 28, 2025 The latest Gallup poll shows only 4% of Americans see crypto as a worthy investment, preferring to invest in real estate, gold, and stocks. However, in 2024, Bitcoin investments brought bigger returns than the NASDAQ stocks. It couldn’t go unnoticed by professional traders and investors. BlackRock has a Bitcoin-based ETF called IBIT. The capital management giant recommends allocating up to 2% of the portfolio to Bitcoin. BlackRock manages over 625,000 bitcoins, which is nearly 3% of Bitcoin’s total supply. Bitcoin ETFs approved in early 2024 allowed huge institutional investors to take advantage of Bitcoin’s ascending value. Strategy (formerly known as MicroStrategy) became a Bitcoin Standard-based public company, meaning that it gradually collects more and more Bitcoin in its treasury. Its stock MSTR became the fastest-growing stock. Governments see the use of Bitcoin in various ways. For instance, Russia and Iran use crypto, including Bitcoin, to bypass Western sanctions in their overseas trade. North Korean hackers steal crypto to fund the country’s nuclear program. The U.S. needs Bitcoin to weaken the American dollar, which will leverage export trades, while popular USD-pegged stablecoins will continue to keep the dollar as a global reserve currency. Conclusion It’s hard to say how radically anti-banking Satoshi Nakamoto himself was. In his whitepaper, he only outlined several issues with the banking system and offered a workaround. While Bitcoin was made to empower individuals’ financial independence, it has now become a staple of Wall Street and the government, which doesn’t mean that others are somehow blocked from Bitcoin’s advantages. Love it or hate it, the anti-banking ethos is not mainstream among Bitcoin investors. You might also like:What is a genesis block? Powering blockchain networks

A cryptocurrency investor who prematurely sold a large position in the TRUMP meme coin has returned to the market by purchasing 337,000 tokens. The current price is nearly double their previous selling price. On-chain analyst Ember CN reported that the whale used 5.196 million USDC to re-enter the market and paid an average price of $15.39 per TRUMP (TRUMP) token. This purchase follows the investor’s previous decision to sell 630,000 TRUMP tokens at $8.70 each. This was just 20 hours before the announcement of a dinner event with former President Trump, which caused the token’s value to surge. “He missed the explosive surge after the dinner plan was announced. Today, he got back in at $15.39,” Ember CN noted. The timing of the investor’s initial sale was unfortunate, as they missed potential profits of approximately $3.8 million by exiting their position before the price spike. You might also like:Bitcoin dips below $94,000 as ETFs record $3b weekly inflow The dinner announcement promised that the top 220 TRUMP token holders would be invited to a “Private, Members-Only Club in Washington, D.C. for Dinner” with the former president on May 22. This has positively impacted the token’s value but drew scrutiny from Democratic lawmakers. According to the official TRUMP leaderboard, the largest holder currently possesses over 1.22 million tokens, while the second-place position holds approximately 1.19 million. Meanwhile, other traders have been actively restructuring their portfolios to capitalize on the TRUMP token’s surge. Blockchain analytics platform Lookonchain identified one particularly successful trader who swapped their entire holdings of 1.18 million Fartcoin (worth approximately $1.22 million) for 78,671 TRUMP tokens. A smart trader swapped all 1.18M $Fartcoin($1.22M) positions for 78,671 $TRUMP 18 hours ago.This trader made 5 swing trades in $Fartcoin, each of which was profitable, with a 100% win rate and a total profit of $669K.https://t.co/GultwHyGqp pic.twitter.com/NJEoY62wKF— Lookonchain (@lookonchain) April 27, 2025 The TRUMP token’s value had jumped close to 90% by the dinner event announcement. However, the meme coin is still down by close to 80% since its all-time high of $73. The promise of direct access to the former president has created a competition among holders trying to maintain their ranking on the leaderboard to secure an invitation. Read more:NFT sales drop to $89.4m, CryptoPunks sales jump 106%

俄罗斯财政部一位高级官员表示，俄罗斯应该关注自己的法定稳定币。 据路透社4月16日报道，鉴于近期与热门美元挂钩稳定币Tether（USDT）相关的事件，俄罗斯应该推出自己的稳定币。一旦推出，这些稳定币可以与其他货币挂钩。 该事件与报道称 USDT 发行商 Tether 封锁了与俄罗斯相关的、属于受到欧盟制裁的当地加密货币交易所的数字钱包有关。 俄罗斯财政部金融政策司副司长奥斯曼·卡巴洛耶夫表示，鉴于目前的封锁，俄罗斯应该考虑“内部工具”。卡巴洛耶夫在周三的评论中表示： “最近的封锁让我们认为我们需要考虑创建类似于 USDT 的内部工具，可能与其他货币挂钩。” 阅读更多：意大利对美国稳定币监管发出警告：“比关税更大的威胁” 2025年3月初，Tether封锁了俄罗斯本地加密货币交易所Garantex的USDT钱包，冻结了价值2800万美元的USDT。事发后，Garantex一度暂停了所有服务。该交易所在Telegram上发布帖子回应此次封锁，并声明： “Tether 已介入俄罗斯加密货币市场，并冻结了我们价值超过 25 亿卢布的钱包……请注意，所有存放在俄罗斯钱包中的 USDT 都面临威胁。一如既往，我们是第一个，但不会是最后一个。” 4月初，美国财政部通过其外国资产控制办公室（OFAC）将Garantex列为恐怖组织胡塞武装提供交易便利。OFAC对该交易所的八个地址实施了制裁。 俄罗斯财政部官员发表上述言论之际，稳定币在整个支付生态系统中越来越受欢迎。与此同时，监管机构也越来越关注稳定币——从欧盟的加密资产市场规则到美国立法者目前正在审议的新稳定币法案。 值得注意的是，据报道，在制裁期间，俄罗斯企业已开始考虑使用加密货币进行支付。莫斯科支持在国际支付中使用加密货币，这是该国一些对加密货币友好的发展举措之一。 您可能还喜欢：VanEck 证实，中国和俄罗斯使用比特币结算能源交易

雪崩基金会与 Rain 合作推出了雪崩卡。 根据与 crypto.news 分享的新闻稿，该卡是一张实体和数字支付卡，允许用户在任何接受 Visa 的地方使用加密货币。 Avalanche 卡支持 USD Coin (USDC)、Tether (USDT)、Wrapped AVAX 和 AVAX (AVAX)，旨在简化日常购物的加密货币支付。新产品通过实现直接消费，消除了复杂转换的需要，使其成为银行基础设施有限地区用户的实用替代方案。 🚨 全新雪崩卡在任何接受 Visa 的地方使用您的加密货币！新兴市场日常购物的变革者。pic.twitter.com/ZWYIFpykot— Coinpaper (@coinpapercom) 2025 年 2 月 26 日 Ava Labs 总裁 John Wu 表示，该计划旨在让加密货币“像刷信用卡一样熟悉”。 你可能还喜欢：以太坊基金会捐赠 1.25 美元支持 Alexey Pertsev 的法律辩护 Visa 和加密货币 去年 11 月，Crypto.com 在拉丁美洲推出了其 Visa 支付卡计划，将其与加密货币挂钩的奖励卡扩展到该地区。 该卡允许用户通过 Crypto.com 应用使用加密货币钱包或法定货币预充资金。它提供七级奖励，包括高达 8% 的现金返还、服务折扣和机场贵宾室使用权。 同样，通过使用 Visa 网络，Avalanche 卡提供了一种安全且可访问的支付选项，强化了 Avalanche 对去中心化金融可访问性的更广泛承诺。 Avalanche Card 最初在东南亚、非洲和拉丁美洲推出，旨在推动数字资产的主流应用。 你可能还喜欢：高管称，FCA 禁止加密货币衍生品弊大于利