Morgan Stanley erhöht seine Beteiligung am BTC-Halter MicroStrategy auf 10,9%

Der Bankenriese Morgan Stanley ist über MicroStrategy Inc. auf den Bitcoin-Zug aufgesprungen, indem er Ende letzten Jahres seinen Anteil an dem Unternehmen auf mehr als 10% erhöht hat.

Laut einer Einreichung bei der US Securities and Exchange Commission (SEC) am Freitag, die Investment-Management-Arm der Bank hielt 792,627 Aktien von MicroStrategy bis Ende Dezember.

Im 3. Quartal 2020 besaß das Unternehmen noch 142.908 Aktien, was einem Anstieg der Position um 360% entspricht.

Der Anteil von Morgan Stanley in Höhe von 10,9% hatte einen Wert von rund 420 Mio. $ auf Basis des Tagesschlusskurses von 531,64 $. Die Aktien von MicroStrategy (MSTR) sind in den letzten fünf Monaten um 330% im Wert gestiegen, auf ein Niveau, das zuletzt im April 2000 gesehen wurde.

Diese wilde Rallye des MSTR-Aktienkurses wurde durch die große Wette des Chief Executive Officer Michael Saylor auf Bitcoin angetrieben. Mit Stand vom 21. Dezember 2020 hält das Unternehmen insgesamt 70.470 Bitcoins im Wert von 2,85 Milliarden Dollar bei einem aktuellen BTC-Preis von über 41.200 Dollar.

Zu den anderen Top-Haltern von MicroStrategy gehören First Trust Advisors, BlackRock Inc. und die Vanguard Group.

With its $ 12 billion in daily transactions, Ethereum passes Bitcoin

The prince dethrones the king – Alert in crypto! Ethereum (ETH) currently sees many more values ​​transit than its predecessor Bitcoin every day. Although the 2 networks have very different roles, the importance of transaction fees on Ethereum does not prevent massive use, which exceeds Crypto Engine.

Bitcoin lags $ 3 billion behind Ethereum

If you’ve been following the cryptosphere since at least 2020, the craziness of decentralized finance (DeFi) will not have escaped your notice. This should also be the case for the high volumes of exchange of ethers and ERC20 tokens that it has generated on the network, as well as exorbitant transaction fees.

Even though DeFi has calmed down a bit since then, the recent stratospheric surge in ether prices has once again boosted the overall value of daily Ethereum trading. The latter now has a record of 12.3 billion dollars of assets crypto-traded per day.

According to a report presented by analyst Ryan Watkins of Messari , Ethereum would have widened a solid gap with Bitcoin, which however also has a record of 9.3 billion dollars in values ​​traded daily:

“Ethereum’s daily trading volume is getting parabolic. The network now sees 12 billion dollars in transactions per day, ie 3 billion more than that of Bitcoin (…) ”

Transaction fees still under strong pressure

As mentioned briefly in the introduction, Bitcoin and Ethereum do not have the same positioning in the cryptosphere. When the first has for the moment a role of safe haven in the face of the risks of devaluation of fiat currencies ( dollar in mind), the second is promoted as a supercomputer , crammed with applications and smart contracts of all kinds.

It therefore seems quite logical that the daily transfers of values ​​are mathematically more important on the second.

The Blockchain Center site makes it possible to assess the progress of the famous “flippening” , this moment when the Ethereum network would theoretically become “superior” to that of Bitcoin. According to its Flippening Index based on 8 criteria , the site estimates that Ethereum has completed 63.5% of its supposed path to glory.

More interesting and relevant data: we can note a real craze in the ETH network, due to the number of transactions and especially the total of its fees , which are now higher than those of the king of cryptos. Gas costs , although very high , do not seem to discourage trading on Ethereum.

Projeção de olho por $3T no mercado de criptogramas sustenta o acordo Bakkt

As moedas criptográficas poderiam quintuplicar até 2025 para um mercado de 3 trilhões de dólares, sob novas projeções da Bakkt Holdings, a empresa financeira de ativos digitais.

Uma empresa de aquisição com fins especiais

A Bakkt publicou a estimativa como parte de uma apresentação para investidores divulgada na segunda-feira em conexão com seu novo plano de abertura de capital através de uma fusão com a Victory Park Capital, uma empresa de aquisição com fins especiais. Bakkt é de propriedade majoritária da Intercontinental Exchange Inc., que também é proprietária da Bolsa de Valores de Nova York. O negócio daria à Bakkt um valor empresarial de cerca de US$ 2,1 bilhões, de acordo com um comunicado de imprensa.

As premissas subjacentes por trás da transação mostram como investidores, empresários e executivos financeiros se tornaram, ao longo do ano passado, uma indústria de ativos digitais de ritmo acelerado, especialmente depois dos preços do bitcoin (BTC, +3,07%), a maior moeda criptográfica, quadruplicada em 2020.

Ainda na semana passada, a capitalização total de mercado da indústria ultrapassou pela primeira vez US$ 1 trilhão, apesar de um desmaio nos últimos dias nos preços do Bitcoin Circuit e de outros ativos digitais ter, desde então, aparado o valor total para cerca de US$ 931 bilhões, de acordo com o site CoinGecko.

De derivativos de moeda criptográfica incluindo futuros de bitcoin

A Bakkt atualmente administra um mercado de derivativos de moeda criptográfica incluindo futuros de bitcoin, mas em março a empresa planeja lançar uma nova aplicação para o consumidor que poderia permitir aos usuários gerenciar ativos digitais e usá-los para gastos e pagamentos ponto-a-ponto junto com dinheiro e milhas de recompensa.

„São estas mudanças que estamos alavancando para o benefício tanto do cliente quanto dos comerciantes, realmente desbloqueando um mercado massivo ao possibilitar a monetização dos ativos digitais“, disse Gavin Michael, ex-chefe de tecnologia do banco de consumo global do Citigroup, na segunda-feira, em uma teleconferência aos investidores, de acordo com uma transcrição.

Na apresentação aos investidores, a Bakkt estimou que sua receita, líquida das despesas relacionadas às transações, poderia crescer em média 75% ao ano para US$515 milhões até 2025. Espera-se que a empresa torne o fluxo de caixa positivo até 2023.

De acordo com um slide na apresentação do investidor, a Bakkt opera em um „mercado de serviços massivos endereçáveis“ que valia cerca de US$ 1,6 trilhão em 2020, incluindo US$ 564 bilhões para o „valor nocional“ da moeda criptográfica.

Até 2025, a apresentação estima que o mercado alvo global da empresa aumentaria para US$ 5,1 trilhões, incluindo US$ 3 trilhões de moedas criptográficas.

Rajd cen Bitcoinów ochładza się, ponieważ Polkadot zyskuje 34% w pierwszym tygodniu „altseason“.

Dominacja Bitcoinów jest prawdopodobna, twierdzi Michaël van de Poppe, ponieważ Bitcoin ustępuje miejsca silnym ruchom z 10 najlepszych altcoinów.

Bitcoin (BTC) spadł poniżej 26.000 dolarów 29 grudnia, gdy na rynkach kryptograficznych pojawiły się nowe opady po procesie sądowym Ripple’a z zagrożeniem ze strony amerykańskiej Komisji Bezpieczeństwa i Giełdy.

Przegląd rynku krypto walutowego.
Spadki cen BTC w związku z zatrzymaniem handlu XRP przez Coinbase

Dane z Cointelegraph Markets, Coin360 i TradingView wykazały, że BTC/USD osiągnęły najniższy poziom 25.830 dolarów podczas wtorkowego handlu.

Obsługa 27.000 dolarów nie utrzymała się w ciągu nocy, co dało początek retestowi niższych poziomów, które obecnie koncentrują się na 26.000 dolarów. W weekend Bitcoin osiągnął rekordowy poziom 28.400 dolarów i szybko się odwrócił.

BTC/USD 1-godzinny wykres świecowy (Bitstamp).

Ostatnie straty to XRP, czwarta co do wielkości kryptokurcja pod względem pułapu rynkowego, wynosząca 0,23 USD, dzięki temu, że główna amerykańska giełda Coinbase zdecydowała się zawiesić handel od przyszłego miesiąca. Pozew SEC przeciwko tokenowi grozi sklasyfikowaniem XRP jako nielicencjonowanego papieru wartościowego i uniemożliwieniem handlu nim zgodnie z prawem.

„Pojawi się konstrukcja związana z zasięgiem, po której 2021 r. najprawdopodobniej znowu wybuchnie“ – podsumował analityk rynków Cointelegraph Michaël van de Poppe w poniedziałkowej aktualizacji wideo na temat krótkoterminowych perspektyw Bitcoina.

Van de Poppe przygląda się altcoins jako następnemu w kolejce, aby zobaczyć duże zyski. Niezależnie od XRP, rynek już wykazuje oznaki życia, z Ether (ETH) wspina się ponad 700 dolarów po raz pierwszy od maja 2018 roku w tym tygodniu.

Kolejnym zwycięzcą we wtorek był Polkadot (DOT), obecnie siódmy co do wielkości żeton z limitem rynkowym, który odnotował 22,5% dzienny wzrost, ograniczając tygodniowe wyniki na poziomie prawie 34%.

Dla Van de Poppe, następna „fala impulsu“ na Bitcoin w 2021 roku powinna doprowadzić rynek do 40.000 dolarów lub 50.000 dolarów, ale „do tego czasu, altcoins najprawdopodobniej będzie dobrze“.

Wykres historyczny dominacji Bitcoinów.

Dodatkowo wskazał na prawdopodobną dominację na rynku Bitcoinów, która na poziomie prawie 70% powinna wkrótce ustąpić miejsca obecności altcoinów. Grudzień ma tendencję, aby zobaczyć szczyty dominacji BTC, z 2017, czas pierwszej próby Bitcoin 20.000 dolarów, godne uwagi porównanie.

L’administration sortante s’empresse d’endommager le nouveau projet

L’administration sortante s’empresse d’endommager le nouveau projet de loi sur la cryptographie
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  • Le FinCEN américain a publié les détails de la loi qui, selon la rumeur, rendrait obligatoire le KYC/AML pour les portefeuilles cryptographiques auto-hébergés.
  • Selon la proposition, les entreprises de crypto devront enregistrer et KYC toutes les transactions supérieures à 3 000 $, et soumettre un rapport de transaction monétaire (CTR) pour les transactions supérieures à 10 000 $.
  • Les experts trouvent le projet de loi peu pratique et suggèrent une „réglementation de minuit“ de la part de l’administration sortante de Trump.

Les régulateurs américains ont finalement émis une mise en demeure pour l’enregistrement KYC/AML des portefeuilles cryptographiques auto-hébergés, dont les rumeurs font le tour depuis le mois dernier.

Bien que le projet de loi sur la cryptographie ne diffère pas de la réglementation Ethereum Code bancaire existante, la rapidité de sa mise en œuvre suscite des inquiétudes quant au traitement discriminatoire.

Projet de loi sur la surveillance des portefeuilles cryptés

Le 18 décembre, le Financial Crimes Enforcement Network (FinCEN) a proposé une nouvelle législation, étendant les exigences KYC/AML des entreprises de cryptologie monétaire au stockage en libre garde.

Il s’agit notamment de nœuds indépendants comme le serveur BTCPay et de portefeuilles cryptographiques comme MetaMask, Electrum, et d’autres.

Le projet de loi intitulé „Le réseau de lutte contre les crimes financiers propose une règle visant à combler les lacunes réglementaires en matière de lutte contre le blanchiment d’argent pour certaines transactions en monnaie virtuelle convertible et en actifs numériques“, se concentre sur les „lacunes“ apparentes dans la déclaration des transactions cryptographiques.

L’agence d’État recueillera les commentaires du public sur cette proposition au cours des quinze prochains jours.

Le département du Trésor américain, qui dirige le FinCEN, considère les portefeuilles cryptés „anonymes“ comme des „failles que des acteurs malveillants peuvent exploiter“.

L’actuelle loi sur le secret bancaire (BSA) oblige les banques et autres entreprises de services monétaires, y compris les cryptocurrences, à enregistrer les noms et adresses physiques des personnes pour toute transaction supérieure à 3 000 dollars.

En outre, elle exige que les bourses ou les banques déposent une déclaration d’opérations sur devises (CTR) pour toutes les transactions supérieures à 10 000 dollars. Steven Mnuchin, le secrétaire au Trésor américain, a noté :

„Cette règle, qui s’applique aux institutions financières et qui est conforme aux exigences existantes, vise à protéger la sécurité nationale, à aider à l’application de la loi et à accroître la transparence tout en minimisant l’impact sur l’innovation responsable“.

En effet, la loi est la même pour les institutions bancaires.

Toutefois, l’administration sortante de Trump précipite les procédures sans diligence raisonnable claire, faisant preuve d’une intolérance considérable envers le secteur.

Les régulateurs revendiquent une position neutre en mettant en avant l’égalité de traitement du secteur bancaire. Cependant, les experts affirment qu’ils ne pourraient pas être plus ignorants.

Tout d’abord, le délai de 15 jours.

Toute notification formelle de cette nature, appelée NPRM, requiert une période d’incubation de 15 jours pour prendre en compte les commentaires du public. Cependant, dans ce cas, les régulateurs accélèrent la décision. Cela tient en grande partie au fait que l’administration de Biden prendra le relais après la période susmentionnée.

Cela revient à adopter une règle formelle provisoire. L’avocat général de Compound Finance, Jake Cherbinsky, a déclaré que les régulateurs sont censés accorder un préavis d’au moins 60 jours pour les lois „importantes“.

Le Congrès et les leaders de l’industrie de la cryptographie ont déjà exprimé leur opposition au projet de loi, mais les régulateurs avancent au mépris total.

Deuxièmement, son importance pour la vie privée et la liberté

Il menace d’infiltrer la vie privée et les dispositifs de sécurité des cryptocurrences, les rendant aussi différentes que les banques. Peter Van Valkenburgh, de CoinCenter, a écrit dans un billet de blog :

„Ne vous y trompez pas, [les rapports de transactions monétaires] sont une forme de recherche et de saisie sans mandat de documents financiers privés“.

Si un individu passe d’un portefeuille à l’autre, comment ces services décentralisés ou ces portefeuilles sont-ils censés soumettre des documents aux régulateurs ?

Le marché n’a pratiquement pas été touché par cette nouvelle, la BTC ayant continué à se négocier au-dessus de 23 000 dollars après le communiqué de presse de l’agence d’État. Charles Edwards, le fondateur de Capriole Investment, a déclaré

„Lorsque le prix [de Bitcoin] réagit à l’inverse de ce qui était attendu avant la nouvelle, la tendance qui s’ensuit est généralement violemment renforcée. Hausse [des bitcoins]“.

Western Unionin rahalähetyspalvelun loppu Kuuballe on siunausta salaukselle

Kun uudet Yhdysvaltain hallituksen toimenpiteet, joilla rajoitetaan rahalähetyksiä Kuuballe, tulevat voimaan 22. marraskuuta jälkeen, saarivaltiossa vuodesta 1999 toiminut Western Union sulkee myymälän. Uusi sääntö, joka julkaistiin 27. lokakuuta, antoi Western Unionille 30 päivää aikaa toteuttaa uusia rajoituksia. Uusi sääntö todennäköisesti lisää salausvarojen houkuttelevuutta, koska kuubalaisten odotetaan nyt löytävän sopivan vaihtoehdon hyvin lyhyessä ajassa.

Kohdennetut seuraamukset

Yhdysvaltain hallituksen ensimmäisen ilmoituksen aikaan maailmanlaajuinen rahalähetysjätti oli luvannut löytää ratkaisun kuubalaisille asiakkailleen. Myöhemmässä päivityksessä 13. marraskuuta Western Union sanoi, ettei se kyennyt „löytämään ratkaisua tässä rajoitetussa aikataulussa“.

Yhdysvaltojen hallitus puolestaan ​​sanoo, että rahalähetyksiä Kuuballe voi edelleen virrata, mutta „ei Kuuban armeijan kautta, joka käyttää näitä varoja Kuuban kansan sortamiseen ja Kuuban puuttumiseen Venezuelaan“. Yhdysvaltain virkamiesten mukaan, Western Unionin kumppanina Kuubassa, Fincimexiä hallitsee Kuuban armeija, joten uudet toimenpiteet.

Sillä välin Western Unionin muodollinen rahalähetyspalvelu Kuuballe lopettaa todennäköisesti kommunistisen maan taloudellisen tilanteen. Kuuba pitää rahalähetyksiä yhtenä tärkeimmistä valuuttamääräisistä lähteistä, ja joidenkin arvioiden mukaan rahalähetysten kokonaismäärä vuonna 2017 oli 3,5 miljardia dollaria.

Kuubalaisille perheille, jotka luottavat Yhdysvalloissa lähetettyihin rahalähetyksiin selviytyäkseen, Western Unionin rahalähetyspalvelun päättyminen on uusi haaste. Joko lähettäjät turvautuvat joskus vaarallisten epävirallisten kanavien käyttöön tai he siirtyvät yksinkertaisesti digitaalisiin vaihtoehtoihin, kuten bitcoin.

Cryptocurrency-rahalähetysten lisääntyvä käyttö

Jo raporttien mukaan jotkut Kuuban asukkaat käyttävät yhä enemmän kryptovaluuttoja. Salausvaluuttoja käytetään yleishyödyllisten maksujen suorittamiseen ja rajatylittäviin maksuihin. Lisäksi Covid-19: n leviämisen estämiseksi asetetut rajoitukset ihmisten liikkumiselle näyttävät aiheuttaneen lisääntyneen kuubalaisen ulkomaalaisen kryptovaluutan käytön rahaa lähettäessä.

Esimerkiksi peer to peer -alusta, Bitremesas, joka mahdollistaa rahalähetysten lähettämisen bitcoinin kautta, ilmoitti lisääntyvän liiketoiminnan lukituksen aikana. Erään raportin mukaan vastaanottajat, jotka käyttävät Bitremesasia, hyvittävät paikallisen pankkikorttinsa Kuuban vaihdettavissa olevissa pesoissa (CUC) tai Kuuban pesoissa (CUP) siirrettäessä varoja ulkomailta bitcoinilla. Tämä järjestelmä on riippumaton pankeista, ja koska se käyttää hajautettuja kryptovaluuttoja, kuten bitcoin, USA: n hallitus tai Kuuban viranomaiset eivät voi sensuroida liiketoimia.

Monero (XMR), Zcash (ZEC) and Dash (DASH): South Korea bans anonymous cryptocurrencies

Attackers could have destroyed coins in the network via a Monero security hole.

According to a recent report by the Asia Times, it will soon be goodbye to the three anonymous cryptocurrencies Monero (XMR), Zcash (ZEC) and Dash (DASH). The South Korean government wants to ban privacy coins in the first quarter of next year.

Monero, ZCash and Dash are affected

On November 18, the Asia Times reported that, from March 21, 2021, South Korea would officially ban cryptocurrencies that have a strong focus on user anonymity.

The ban is intended to hit Profit Revolution, Zcash (ZEC) and Dash (DASH). The initiative takes place within the framework of some measures that are directed against money laundering in the Asian country.

From the point in time mentioned above, all crypto exchanges based in South Korea should no longer be allowed to offer privacy coins such as Monero or Dash.

The South Korean Financial Supervisory Authority (FSC) cites the use of anonymous cryptocurrencies in connection with ransomware attacks or money laundering attempts as reasons. The supervisory authority explicitly emphasizes that the security measures built into the anonymous crypto currencies make it almost impossible for the authorities to find out the true identity of the people behind them.

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No danger to cryptocurrencies like Bitcoin (BTC)

On the other hand, there is no risk of cryptocurrencies such as Bitcoin falling under this ban. It says:

The majority of mainstream cryptocurrencies such as Bitcoin are not completely anonymous. At least the address and the transaction volume can be viewed. The authorities can track transactions and often transfer the owner of the wallet when the respective cryptocurrency lands on the respective exchange. This gives you access to the stored e-mail address.

This is probably another low blow for anonymous cryptocurrencies. More and more authorities and countries are deciding to ban privacy coins. The danger of privacy coins was also emphasized in the European Union.

While cryptocurrencies like Bitcoin are increasingly being integrated into the classic financial world, a separation of privacy-focused cryptocurrencies seems to be an inevitable trend.

Grayscale Survey Connects COVID-19 Pandemic to New Bitcoin Purchases

Data from Grayscale Investments‘ annual survey shows that the coronavirus pandemic played an important role in the decision of new investors in Bitcoin.

As the price of Bitcoin rises to $18,000 and traders try to secure a new all-time high, the number of institutional investors jumping on the Bitcoin bandwagon (BTC) continues to grow.

Grayscale now has over 500,000 Bitcoins

This time around, institutional and retail investors are interested in buying Bitcoin Code, and data from the cryptomoney derivatives markets shows that institutional investors are pushing Bitcoin volumes to new highs.

Bitcoin Futures volumes by exchange.

According to research from Grayscale Investments, a digital asset management company that currently has more than $9.8 billion in assets under management, the coronavirus pandemic may be the major factor behind the current Bitcoin surge.

Ray Dalio admitted that he „may be missing something“ about Bitcoin when the price was over $17,000

According to the company’s annual survey, 83% of all Bitcoin investors began buying in the last 12 months, a time when COVID-19 cases were minimal.

Thirty-eight percent of all current Bitcoin investors joined in the last four months, and among them, 63% say that the economic disruption caused by COVID-19 positively influenced their decision to buy BTC.
Bitcoin is becoming more conventional

Grayscale’s survey also shows that Bitcoin is becoming more conventional among the general public and investor class. The outlook among those who haven’t yet invested in Bitcoin has changed dramatically since mid-2019. In 2020, 55 percent of investors interviewed expressed interest in buying Bitcoin, a substantial increase from 36 percent in 2019.

3 reasons why the price of Bitcoin reached $17,000, marking a new parabolic upward trend

Almost half of the respondents believe that cryptomonies will be considered a conventional means of value exchange by the end of the decade.

The current trend is likely to increase with investors being drawn to Bitcoin’s history as a store of value, and it’s possible that mass adoption will come sooner than most experts and investors expect. A little evidence of this comes from a recent Citibank report, in which the author estimates that the price of Bitcoin may reach $318,000 by December 2021.

Will Bitcoin cease to be the center of attention once the COVID-19 disappears?

The question of how Bitcoin’s price will react to the eradication of COVID-19 is a question that reverberates in the minds of some investors. According to Jonathan Hobbs, author of The Crypto Portfolio and former manager of digital asset funds, the effects of the pandemic will be felt even long after the disease is brought under control. Hobbs told Cointelegraph:

„Covid-19 was the match that lit the flame of institutional adoption. But the wood was building up long before that. Now that the fire is burning, it will take a lot of water to extinguish it. When the world is finally free of Covid-19, the economy will still be sick with debt. And the central banks will continue to print money to try to inflate those debts, as they have done since the financial crisis of 2008. This means that the institutional story that Bitcoin is a haven from inflation is likely to continue long after the pandemic is over.

Clearly, the enormous economic stimulus and growing monetary policy as a result of the negative impacts of the coronavirus have changed the economic landscape in the near future.

NGO Bitcoin Argentina took a stand on the draft laws to regulate cryptoactives

While some analysts may overestimate how the coronavirus pandemic influenced the Bitcoin spike in 2020, it clearly played a role in accelerating investor interest in cryptomonics.

One of the main positive aspects identified by investors is Bitcoin’s low barrier to entry and its ability to gain value when there’s volatility in traditional markets. These factors are likely to remain, even when the pandemic is over.

Ethereum 2.0 starts the launch process as the deposit contract is activated

Phase 0 of Ethereum 2.0 has already been formalized for launch sometime around December 1. The deposit contract is active and can collect the necessary funds to activate participation.

The launch of the Ethereum Medal testing network is suffering from a block completion problem
An update from the Ethereum Foundation published on Wednesday explains how the genesis process is expected to happen.

Potential stakers will now be able to deposit their 32 Ether (ETH) deposits into the contract via the dedicated launch pad and prepare for launch.

The contract must collect 16384 deposits of 32 ETHs each, a total of 524,288 ETHs or about $200 million, to continue with the launch.

The required amount must be collected at least seven days before the planned launch date of December 1st. If not, the launch is delayed seven days after the threshold is reached.

MEW founder: „The full reality of ETH 2.0 is still years away“
The announcement marks the first time that a clear date has been set for the launch of Ethereum 2.0, after many years of anticipation and delays.

The community indicated that it is ready, but there may still be potential problems with customers. The reliability of the Medal testing network has faltered in recent days, and often could not be completed due to problems with participation. While many believe this is due to a lack of incentives for staking, some problems with the software were also reported. Nevertheless, the team believes that most software customers are „ready for the mainnet launch“.

The developers of Ethereum 1.x are focusing on „stateless clients“ to curb the bloat of the chain
The end of one journey also marks the beginning of another: the launch of Phase 0 will not directly affect the existing Ethereum block chain, which will continue to operate as before with trial mining work.

The transitions from Phase 1 and Phase 2, which are expected to occur over the next few years, will at some point move the existing Ethereum infrastructure and status to the new staking-based consensus.

Crypto Exchange Luno oferece aos usuários carteiras de economia de moedas de Bitcoin com juros

Bolsa de câmbio Cryptocurrency Luno lançou uma carteira de poupança Bitcoin que oferece aos clientes até 4% de juros anuais sobre suas participações.

Em um ano em que a Descentralized Finance dominou as manchetes e abalou o ecossistema de moedas criptográficas, esta oferta de uma bolsa que tem mais de 5 milhões de usuários em 40 países diferentes oferece uma nova maneira para os usuários de Bitcoin ganharem juros sobre suas participações.

A Luno tem crescido constantemente desde seu lançamento em 2013 e tem sua sede em Londres apoiada por centros regionais em Cingapura e na África do Sul. A empresa ganhou manchetes em setembro de 2020 após ter sido adquirida pelo Digital Currency Group (DCG).

O DCG investiu na rodada de levantamento de capital inicial da Luno em 2013 e finalmente adquiriu uma participação total na Luno após comprar o restante das ações detidas pelos principais investidores sul-africanos Naspers e Rand Merchant Investments.

A versão Bitcoin da DeFi?

Em sua forma mais básica, esta nova oferta da Luno poderia ser vista como uma forma de DeFi, uma vez que os clientes estão ganhando juros, ou „yield farming“ em termos de DeFi, para a Bitcoin que é depositada nestas novas carteiras de poupança.

Os clientes ganharão até 4% de juros por ano sobre seu saldo de Bitcoin Pro na conta de poupança. A empresa não tem termos fixos ou taxas administrativas e a Bitcoin na carteira de poupança pode ser movida para a carteira Bitcoin normal de um usuário a qualquer momento.

Os juros obtidos sobre a Bitcoin armazenada na carteira de poupança serão pagos a partir do primeiro dia de cada mês. Os usuários também podem optar por deixar seus ganhos em juros em sua carteira de poupança que se beneficiará de juros compostos e crescimento exponencial.

Como exemplo, economizar 1 BTC à taxa máxima de juros de 4% ao ano geraria 0,04 BTC a cada ano. Isto equivale a $40 à taxa atual de Bitcoin/USD.

Investidores sul-africanos em busca de alternativas de investimento

A base da Luno na Cidade do Cabo fez com que o intercâmbio fosse uma das principais plataformas utilizadas na África do Sul. Tendo realizado uma pesquisa global que descobriu que cerca de 54% dos participantes da pesquisa não estavam ganhando nenhum interesse na economia de dinheiro em espécie.

Outros 40% das pessoas que participaram da pesquisa indicaram que „lhes faltava confiança“ em sua moeda nacional local. 95% dos usuários sul-africanos da Luno disseram à empresa que usariam uma carteira de poupança que acumulava juros sobre seu saldo de Bitcoin.

O câmbio também indicou que um grande número de sul-africanos possuem moeda criptográfica a longo prazo.

„Menos de 5% dos clientes sul-africanos da Luno planejam vender sua Bitcoin nos próximos seis meses, na verdade a maioria planeja comprar mais, portanto a carteira de poupança significa que eles podem ganhar juros simplesmente fazendo o que estavam planejando com sua Bitcoin“, disse o GM Marius Reitz da Luno Africa.

„Mais de 55% dos clientes sul-africanos indicaram que não têm outros investimentos além de criptografia. É importante diversificar os investimentos, dado o quão nova é a indústria Bitcoin“. Aqueles que detêm a Bitcoin sem dúvida acharão atraente o potencial de ganho de interesse“, acrescentou ele.