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德国的比特币集团欢迎密码保管人获得许可,并预计将面临来自银行的竞争

2020-3-16 12:59

 

欧洲密码行业的重要成员——比特币集团SE一直在准备申请在其母国德国开展密码保管活动的许可。在联邦共和国提供这种服务的机构现在被认为是金融机构。从事比特币业务已有一段时间的比特币集团(Bitcoin Group)对该行业引入许可的变化表示欢迎。从2020年1月1日起,银行和其他机构可以存储和管理客户的加密资产。

 

比特币集团确认计划获得加密托管许可证


作为欧洲最大的密码交易平台之一背后的组织,比特币集团SE已经成为德国数字资产的主要托管机构。其全资子公司Bitcoin Deutschland AG运营着德国领先的加密货币市场,如BTC、BCH和ETH。这家投资集团还是Futurum Bank AG的所有者,并持有Sineus Financial Services GmbH 50%的股份。Sineus Financial Services GmbH是一家由德国金融监管机构Bafin监管的实体。

 

去年12月,比特币集团宣布,计划为旗下公司向联邦金融监管局(Federal Financial Supervisory Authority)申请加密托管许可。它希望扩大自己在这类服务市场的地位,并收购了英国金融监管局批准的Futurum Bank AG,从而创造了吸引机构客户的新机会。去年,欧盟通过了将第4条反洗钱指令转化为国内法的立法,此后,获得反洗钱许可证就变得十分必要。


新规定于2020年1月1日生效。德国银行法现在将密码保管业务定义为对密码资产或私有密码密钥的安全保管和管理,这些密钥用于保存和存储可以转移给他人的密码资产。在最近发布的指南中,英国金融监管局澄清说,这些活动代表的是金融服务。金融机构必须在3月底之前宣布有意获得牌照,提交申请的最后期限是11月30日。


在接受news.Bitcoin.com采访时,比特币集团董事总经理马尔科·博德温(Marco Bodewein)证实,该控股公司将申请加密托管许可证,并解释道:


由于当局目前的要求,最终的申请需要在2020年11月之前提交,但我们将更早正式申请。到目前为止,我们还没有看到比特币面临任何挑战,因为我们已经从事了几年的托管业务。


德国银行尚未进入加密货币市场


Bodewein补充说,比特币集团欢迎目前德国监管制度的发展,这将为包括银行在内的更多玩家进入加密空间打开市场。他强调,竞争通常对业务有利,尽管他的加密公司还没有经历过来自传统金融机构的激烈竞争。


这名高管表示,比特币集团也将欢迎欧盟层面的监管规定。“当然,德国的做法在欧洲是第一次,所以德国有可能为欧洲其他国家制定蓝图,”马尔科·博德温评论道。

 

根据9月份公布的最新企业业绩,比特币集团在2019年上半年的息税前利润为42.28亿欧元。与此同时,Bitcoin.de报告称,其注册用户数量从2018年上半年的75.3万增至808,000人。


比特币集团认为,增长主要是由于所提供的服务的范围的扩张交换包括推出手机应用程序。收购Futurum银行以前阿尔玛Wertpapierhandelsbank GmbH是一家投资银行,将割允许持有有关cryptocurrencies提供新的产品,开展自营交易和运营一个比特币atm网络。

 

Bitcoin Group SE, a prominent member of the European crypto industry, has been preparing to apply for permission to conduct crypto custody activities in its home country, Germany. The providers of such services in the Federal Republic are now recognized as financial institutions. Bitcoin Group, which has been in the business for some time, welcomes the changes that introduced licensing to the sector. Starting from Jan. 1, 2020, banks and other institutions are allowed to store and manage clients’ crypto assets.


Bitcoin Group Confirms Plan to Obtain Crypto Custody Permit

 

As the organization behind one of the largest crypto trading platforms in Europe, Bitcoin Group SE has already established itself as a major custodian of digital assets in Germany. Its fully owned subsidiary, Bitcoin Deutschland AG, operates Germany’s leading regulated marketplace for cryptocurrencies such as BTC, BCH and ETH. The investment group is also owner of Futurum Bank AG and holds 50% of the shares of Sineus Financial Services GmbH, an entity supervised by the German financial watchdog, Bafin.


In December, Bitcoin Group announced it plans to apply for crypto custody permission for its companies from the Federal Financial Supervisory Authority. It hopes to expand its positions in the market for these types of services and the acquisition of Futurum Bank AG, which was approved by Bafin, creates new opportunities to attract institutional clients. Securing a license became necessary following last year’s adoption of legislation transposing EU’s Fourth Anti-Money Laundering Directive into national law.

 

The new regulations entered into force on Jan. 1, 2020. The German Banking Act now defines crypto custody business as the safekeeping and managing of crypto assets ​​or private cryptographic keys that serve to hold and store crypto assets that can be transferred to others. In recently published guidance, Bafin clarified that these activities represent financial services. Financial institutions had until the end of March to declare intent to obtain a license and the deadline for filing an application is Nov. 30.

 

Speaking to news.Bitcoin.com, Bitcoin Group Managing Director Marco Bodewein confirmed that the holding company is going to apply for a crypto custody license and explained:

 

        Due to the current requirements of the authorities, the final application needs to be filed by November 2020 but we will apply officially much earlier. As of now we do not see any challenges for Bitcoin.de at all as we are already in the custody business for several years.

 

German Banks Are yet to Enter Cryptocurrency Market

 

Bodewein added that Bitcoin Group welcomes the current development of the regulatory regime in Germany which will open the market for more players including banks entering the crypto space. Competition is usually good for the business, he emphasized, although his crypto company has not yet experienced any stiff competition from traditional financial institutions.

 

The executive said that Bitcoin Group would also appreciate the adoption of regulations at EU level. “Certainly, the German approach is the first within Europe so it might be possible that Germany created a blue print for the rest of Europe,” Marco Bodewein commented.


According to the latest corporate results published in September, Bitcoin Group’s earnings before interest and taxes amounted to

来自: bitcoin