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摩根大通将主要加密货币交易所作为其银行客户

2020-5-13 17:32

 

据《华尔街日报》报道,摩根大通已为加密货币交易所Coinbase和Gemini Trust开设了银行账户。这家美国最大的银行此前一直对加密货币持批评态度,其与交易所开展业务的意愿可能会促使其他银行提供银行服务。问题是,这是否会让银行系统面临加密货币风险。


总部位于加利福尼亚的Coinbase是美国最大的数字货币交易所之一,目前拥有超过3000万用户,迄今为止在该平台上交易的金额超过1500亿美元。双子座信托基金由泰勒•温科沃斯(Tyler Winklevoss)和卡梅隆•温科沃斯(Cameron Winklevoss)创立,规模没有那么大,但被一些人视为最保守或最保守的机构。它提供加密钱包、交易、保管和清算解决方案。


通过与总资产超过3万亿美元的摩根大通建立新关系,密码交易所将能够接受账户对账户的支付。直到现在,当客户提供银行详细信息时,交易所还依赖于支付处理器。


摩根大通只向交易所提供现金管理工具。


这两家加密货币交易所都获得了许可。


当世界各地的各种组织,如国际清算银行(BIS)审查加密货币的风险时,他们认为加密货币对金融系统的影响微乎其微。这是因为,首先,目前加密货币的规模相对较小。其次,金融机构的风险敞口有限。如果摩根大通的这些帐户引发了敞口的上升,这可能是一个转变的信号。


与加密货币不同,人们认为,像天秤座这样的全球稳定货币具有系统性风险,因为它们能够迅速获得广泛的吸引力。


与此同时,摩根大通(JPMorgan)也推出了JPM Coin,该公司正在开发该产品,用于区块链交易的即时结算。国际清算银行最近将其与Fnality归类为“批发稳定”,Fnality计划运营一个由央行存款支持的支付网络,之前被称为公用事业结算货币(USC)。


在其它区块链项目中,摩根大通开发了Quorum区块链,即其企业版Ethereum。它还在为银行同行运营一个区块链支付消息网络。

 

JPMorgan Chase has opened bank accounts for cryptocurrency exchanges Coinbase and Gemini Trust, a Wall Street Journal report said. The largest U.S. bank has previously been critical of cryptocurrency, and its willingness to do business with exchanges could motivate other banks to provide banking services. The question is whether this exposes the banking system to cryptocurrency risks.

California-based Coinbase is one of the biggest digital currency exchanges in the U.S. and currently has over 30 million users, with over $150 billion traded on the platform to date. Gemini Trust, started by Tyler and Cameron Winklevoss, is not as large but is seen by some as the most conservative or institutional. It offers a crypto wallet, trading, custody and clearing solutions. 

With this new relationship with JPMorgan, which has more than $3 trillion in total assets, the crypto exchanges will be able to accept account to account payments. Until now, when customers provided bank details, the exchanges relied on payment processors. 

JP Morgan is only providing cash management facilities to the exchanges.

Both of the cryptocurrency exchanges are licensed.

When various organizations around the world, such as the Bank for International Settlements (BIS) have reviewed the risk of cryptocurrencies, to date, they have deemed them to have minimal impact on the financial system. That’s because firstly, the current scale of cryptocurrencies is relatively small. And secondly, financial institutions have limited exposure. If these JP Morgan accounts trigger a ramp up in exposure, it could signal a shift.

Unlike cryptocurrencies, global stablecoins such as Libra are viewed as systemically risky because they could quickly gain widespread traction.

Meanwhile, JPMorgan has its JPM Coin, which it is developing for instant settlement of blockchain transactions. The BIS recently classified it as a “wholesale stablecoin” alongside Fnality, which plans to operate a payments network backed by central bank deposits and formerly know as the Utility Settlement Coin (USC). 

Among other blockchain projects, JPMorgan has developed the Quorum blockchain, its enterprise version of Ethereum. It is also operating a blockchain payments messaging network for banking peers. 

 

来自: Ledger Insights