Riaan 
Ithimba leSigele lihlangane ngoLwesibili ekuseni ukuze lizwe kofakazi abathathu abangongoti mayelana nalokho uhulumeni wobumbano angakwenza ukuze akhe izivikelo zezimpahla zedijithali ezifana ne-cryptocurrency.
USenni Sherrod Brown (D-Ohio), usihlalo weSenate Banking, Housing, and Urban Affairs Committee, uvule icala elibonisa ukuwa okungazelelwe kwemboni ye-crypto, eqhathanisa nokuqhuma kwemali ngemuva kwezentengiso ze-crypto phakathi ne-Super Bowl yangonyaka odlule. ukungabikho komkhakha emdlalweni wangeSonto.
“Yeka umehluko owenzayo unyaka. Imboni ye-cryptocurrency isebenzise imali eshisiwe engu-$54 million ezikhangisweni eziyisishiyagalombili ezithembisa abantu baseMelika ingcebo engenakubalwa nethuba lokuqopha umlando,” kusho uBrown. “Impela abasitshelanga ngezimali ezikhokhwayo eziphezulu, ubungozi bokulahlekelwa, ukweba okuqondile okukhungethe imboni ye-crypto, kodwa uma ubukele iSuper Bowl ngobusuku obubili obudlule, awubonanga nesisodwa isikhangiso se-crypto. ”
UBrown uthe imboni “iqhume,” imakethe ye-crypto ilahlekelwe cishe ama- $ 1.5 trillion ngonyaka odlule. Uphinde waxwayisa ngokuthi “le phupho elibi le-crypto alikapheli” njengoba amalungu eCongress efunda kabanzi mayelana nokuwa kwe-FTX cryptocurrency exchange futhi acabangele umthethonqubo wokuvikela kokubili abathengi kanye nokusungula izinto ezintsha.
Nazi ezinye zezinto eziphezulu ezithathwe ekulalelweni:
‘Izigebengu zezimali zithanda i-crypto’
USenenja u-Elizabeth Warren (D-Mass.) usebenzise ukulalelwa kwecala ukuze akhuthaze umthetho wakhe we-crypto wokulwa nokushushumbiswa kwemali we-bipartisan noSen. Roger Marshall (R-Kan.).
“Izigebengu zezezimali zesikhathi esikhulu zithanda i-crypto,” kusho uWarren. “Ngonyaka odlule nje—onyakeni owodwa nje—i-crypto yayiyindlela yokukhokha ekhethwa abashushumbisi bezidakamizwa bamazwe ngamazwe, abazuze ngaphezu kwesigidigidi samaRandi nge-crypto; Abaduni baseNyakatho Korea, abantshontshe amaRandi ayizigidi eziyizinkulungwane ezingu-1.7 base befaka leyo mali ohlelweni lwabo lwenuzi; nabahlaseli be-ransomware, abathathe cishe amaRandi ayizigidi ezingu-500. Imakethe ye-crypto yathatha amaRandi ayizigidi eziyizinkulungwane ezingama-20 ngonyaka odlule ekuthengiseni okungemthetho. “
U-Lee Reiners, umqondisi wenqubomgomo ye-Duke Financial Economics Center, ufakaze ngokuthi “i-crypto pseudonymity ikwenza ifanelekele abadlali ababi” nokuthi amaqembu ezigebengu ze-ransomware – asebenzisa i-software enonya ukuvimba ukufinyelela ohlelweni lwekhompiyutha kuze kukhokhelwe isihlengo – ngeke abe khona ngaphandle kwe-cryptocurrency. ngoba “iyindlela yokukhokha eyikhethelo yezigebengu ze-ransomware.”
“Kungakho mina noSen. Roger Marshall sethula kabusha umthethosivivinywa wethu wokulwa nokushushumbiswa kwemali ukuze sibambezele ubugebengu be-crypto futhi sinikeze abalawuli amathuluzi abawadingayo ukuze bamise ukugeleza kwe-crypto kubashushumbisi bezidakamizwa ezindaweni ezifana neNyakatho Korea ne-Iran,” kusho uWarren. .
Ukufakwa kwe-Crypto ‘kuyimpango’
Kuso sonke isikhathi sokulalelwa kwecala, i-cryptocurrency kanye nezimpahla zedijithali kwaxoxwa ngazo njengezinhlobo zemali ezingase zinikeze ukufinyelela kwezimali kubantu abanemibala kanye nabantu abahola kancane abangenakho ukufinyelela emabhange endabuko. USenni Tim Scott (RS.C.), iRiphabhulikhi ephezulu kuphaneli kanye nomuntu ongase abe ngumongameli ka-2024, uthe ama-44% amaMelika abanikazi be-cryptocurrency kanye nokuhweba ngezimpahla zedijithali bangabatshalizimali abasha noma abantu abanombala. Kepha uReiners wabiza ukufakwa okunjalo ngokuthi “okudlayo.”
“Abukho ubufakazi obungaphakamisa ukuthi i-crypto ikhuthaza ukufakwa kwezimali. Eqinisweni, ubufakazi obuqand’ ikhanda buveza okuphambene nalokho okwenzekayo,” usho kanje. “Abantu abaningi abatshale imali ku-cryptocurrency balahlekelwe yimali. Kulabo bantu, ubuningi ngabantu baseMelika abahola kancane futhi abahola kancane. Ngakho-ke lesi yisibonelo sokufakwa kwezilwane ezizingelayo.”
I-Reiners ifanise umsebenzi onjalo we-crypto nemali mboleko ye-subprime eyaholela enkingeni yezimali ka-2008. “Sibone into efanayo,” esho, “lapho imiphakathi ehola kancane kanye nedlanzana iqondiswa ngokusobala ngemikhiqizo eyingozi kakhulu, futhi, ngeshwa, ilahlekelwe – ezimeni eziningi – yonke into.”
U-Reiners uqhubeke nokugxeka i-Fidelity Investments ngokunikeza ama-401 (k) abatshalizimali ukufinyelela ku-cryptocurrency. “Singacabanga ukuthi kulungile uma bevele bavumele amathikithi e-Powerball agcine ku-401(k)s wethu?” wabuza. “I-Crypto iyagembula nje.”
UVance ufanisa i-crypto ne-inthanethi
USen. JD Vance, ongumnikazi we-cryptocurrency, uthe “uthathekile” ngempahla yedijithali isikhathi eside. “Kodwa futhi ngiyabona ukuthi kukhona okungahambi kahle kukho, ukuthi kukhona ubungozi obuhambisana nakho,” kusho yena. “Ukuchema kwami okuyisisekelo lapha ukuthi asazi ngempela ukuthi iyini, okusho ukuthi hhayi nje i-cryptocurrency kodwa iningi lobunye ubuchwepheshe obuhlobene beWeb3 kanye nokuthi indlela yethu yokulawula kufanele kube ukuvikela abathengi ngenkathi siqinisekisa ukuthi asikwenzi lokho. qeda ithonya elinamandla lalokhu.”
U-Vance usebenzise isifaniso ukuze achaze iphuzu lakhe mayelana ne-dynamic upside.
“Engizibuzayo ukuthi abantu bebengayichaza kanjani i-inthanethi ngeminyaka yawo-1970s, 1980s, ngaphambi kokuba itholakale kwezohwebo, ngaphambi kokuthi kube yingxenye enkulu yendlela esenza ngayo ukuhweba, futhi ukube sasithathe indlela ebabazekayo ngaleso sikhathi, sasingenangqondo. kungenzeka ukuthi kucekele phansi inqwaba yezinto ezenzeke eminyakeni engamashumi amathathu edlule,” kusho yena.
Isifaniso sikaVance satuswa uLinda Jeng, isazi esivakashile sezobuchwepheshe bezezimali kanye noprofesa wezomthetho eGeorgetown Institute of International Economic Law, kanye noSen. Thom Tillis (RN.C.) – kodwa hhayi kuReiners, owathi i-crypto ayiyona into. entsha, ephawula ukuthi ukuthengiselana kokuqala kwe-bitcoin kwenzeka ngo-2009.
“Sinomlando weminyaka engu-14 wokubheka emuva futhi sikuhlole lokhu. Akuzange kuthathe iminyaka engu-14 i-internet ukukhombisa ukubaluleka kwayo,” usho kanje. “Futhi-ke uma ubheka ama-cryptocurrencies, bengingavele ngibuze ukuthi liyini inani eliyisisekelo? Kungani zibalulekile? … Asikho isizathu sokucabanga ukuthi i-cryptocurrency izokhiqiza ukubuyisela unomphela esikhathini esizayo. Kuyacaca ukuthi abantu bayayithenga nje ngoba becabanga ukuthi bangadayisela omunye umuntu ngentengo ephezulu ngomuso.”
I-US ayiholeli ekulawuleni i-crypto
Ofakazi ababili kwabathathu abangochwepheshe bafakaze ukuthi i-US isengcupheni yokusalela emuva kwezinye izizwe ngokulawulwa kwe-cryptocurrency, okungenzeka inikeze amanye amazwe amandla okumisa imithetho nezindinganiso zomhlaba wonke okufanele zilandelwe uma kuziwa ezimpahleni zedijithali.
“Ngeshwa, i-US isisemuva kakhulu ngalesi sikhathi,” kusho u-Yesha Yadav, uprofesa eVanderbilt University Law School. Uthe yize ubuholi baseMelika buvumele i-US ukuthi ikhiphe umthetho wayo wemakethe yezezimali emhlabeni wonke, ezinye izinhlangano – njenge-European Union – zihole ekulawuleni i-crypto.
“Lapha, akuzwakali sengathi siyahola,” kusho u-Yadav. “Kubukeka sengathi kungenzeka silandele abanye lapho behole khona futhi sebebeke izindinganiso futhi sisebenzisa izinhlaka zabo ukusho ukuthi yimiphi imithetho emihle nokuthi yimiphi imithetho emibi.”
UJeng waseGeorgetown ukhombe amanye amazwe angaphambi kwe-US, okuhlanganisa i-Australia, iHong Kong, iSingapore neChina.
Obephuma ngaphandle kwakunguReiners, umqondisi wenqubomgomo weDuke Financial Economics Center, ophikise ukubonakaliswa kokuthi iMelika isalela emuva futhi wagcizelela ukubaluleka kwenqubomgomo yaseMelika ukuthi ilungile, hhayi kuqala.
Amanye amazwe “amukela i-crypto ngoba empeleni ayagembula ukuthi angasiza umnotho wawo,” esho. “Bheka isimo eBahamas, lapho bamukele khona i-crypto. Bagingqa ukhaphethi obomvu [FTX founder] USam Bankman-Fried, futhi kusobala ukuthi akuzange kuhambe kahle. Njengoba ngishilo ebufakazini bami bokuvula, i-crypto yenza umonakalo omkhulu kunokuhle emphakathini wethu. “
UScott ubiza usihlalo we-SEC
UScott uchithe isikhathi esincane elandela uGary Gensler, usihlalo we-US Securities and Exchange Commission.
“Ngaphambi kokuthi ngimbe emazwini ami okuvula, ngifuna ukukhuluma nendlovu ekamelweni,” waqala uScott. “Uma uSihlalo uGensler ezothatha isinyathelo – ukuqinisa umthetho – iCongress idinga ukuzwa kuye maduze. Usihlalo wayenesikhathi esiningi sokwenza imijikelezo yezinkulumo zasekuseni. Uma enesikhathi salokho, kufanele abe lapha efakaza nathi kulokhu ukusa, futhi ngethemba ukuthi sizombona lapha maduze nje.”
Umkhulumeli we-SEC utshele iThe Times ukuthi uGensler akamenywanga ekulalelweni kwangoLwesibili, okuphawulwe ngumuntu ukuthi akuhlangani nofakazi bakahulumeni.
Noma kunjalo, uScott wagxeka i-SEC ngokwehluleka ukuthatha isinyathelo esibalulekile sokuvimbela izinhlekelele futhi waphinde wabiza ukungabikho kukaGensler.
“Uma benamathuluzi abawadingayo, bebevele belele esondweni?” wabuza. “Uma bengakwenzi, kungani bengezi ukuze basitshele abakudingayo? Singajabula uma uSihlalo uGensler efakaza ngokushesha – ngokushesha okukhulu – kunakamuva.”
