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剑桥替代金融中心发布全球首份加密货币研究报告

剑桥替代金融中心(CCAF)就加密货币的使用及支持这种新型货币发展的系统发布了首份报告。

这份《全球加密货币基准研究》是CCAF关于替代支付系统及数字资产的首份研究。这项研究由Garrick Hileman博士领导,目的是“全面”调查全球加密货币市场。Michel Rauchs是CCAF的助理研究员,也是此报告的共同作者。

Hileman博士表示:

“我们收集的数据显示活跃使用加密货币的人数远远超过此前想象。许多观察家认为活跃使用加密货币的人数少于100万,但我们的数据显示如今活跃使用加密货币的个人可能远远超过100万。”

全球加密货币基准研究通过安全的网站问卷调查从全球38个国家超过100家加密货币公司收集数据。CCAF称他们的调查覆盖了75%加密货币产业。超过30名个人加密货币矿工接受了调查。四大关键领域为交易、钱包、挖掘及支付。

CCAF本次研究发现的关键信息包括:

  1. 交易领域操作实体最多,雇佣人员最多,有明显的地理分散性。现在约52%小交易公司有正规的政府牌照,而大交易公司这一比例仅有35%。CCAF称最近中国人民银行的举措可能很快会改变这一局面。
  2. 据估计现在钱包活跃使用数在580万到1150万之间。如果人均有两个钱包,这就意味着加密货币活跃个人用户人数在290万到580万之间。约有52%的钱包提供综合货币交易服务。
  3. 79%的加密货币支付公司与银行机构、支付网络有业务关系,获取并维持这些联系是这一领域最大难点。支付交易总额中,国家货币到加密货币的金额占三分之二,国家货币到国家货币占27%,加密货币到加密货币占6%。
  4. 众所周知,加密货币挖掘机构呈现地理上的分散性,明显集中于特定中国省份。大约75%的主要矿工池在中国和美国。
  5. 至于员工,研究称大约有1800名个人从事加密货币业全职工作。
  6. 相当一部分矿工似乎对加密货币是否应该纳税并不关心,但比较关心的个人矿工想要让加密货币作为一种纳税货币。
  7. 大小矿工都主要关心加密货币系统将如何衡量,应该使用哪种衡量方式。

Hileman博士称像比特币这样的数字货币并不是一种过去的时尚。这一综合市场价值预估270亿美元。Hileman把这一市场与诸如AirBnB等高收益创业企业相比较。

如今市场上有数百种不同数字货币,比特币可能是其中第一个也是最有名的虚拟货币。比特币确实在市场价值和使用量上都占优势,但比特币的市场份额现在也在向其他虚拟货币不断退让,过去两年间比特币的市场份额从86%降到了72%。约有40%的钱包接受不同类型的虚拟货币,这一点也印证了这一事实。

新兴虚拟货币包括:Ethereum、Dash、Monero、Ripple和Litecoin。

CCAF联合创始人及主管Robert Wardrop补充道:

“这份基准研究展示了欣欣向荣的虚拟货币市场,全面分析了虚拟货币全球交易、钱包、支付、挖掘状况。报告显示了诸如比特币等加密货币正在交易、储蓄、渠道、生产上进行着深刻改变。这份报告的发现将用于促进加密货币及其应用的学术、政策研究。”

即将发行的报告将主要关注区块链或分布式账本技术,这份报告将在几个星期后发布。

更多英国金融科技企业参访实录参见:未央英国金融科技之旅

The Cambridge Centre for Alternative Finance (CCAF) has published its first study on digital currencies, its usage and the emerging ecosystem supporting the new type of currency. As the report explains, “the world of money and finance is transforming before our eyes.”

The “Global Cryptocurrency Benchmarking Study” is CCAF’s inaugural research focused on alternative payment systems and digital assets. Led by Dr. Garrick Hileman, the research is designed to “holistically” examine the global cryptocurrency market and, according to CCAF, is the first of its kind. Michel Rauchs, a Research Assistant at CCAF, co-authored the report.

Dr. Hileman told Crowdfund Insider;

“The data we collected indicate that the number of people actively using cryptocurrency is much greater than many people previously thought. Many observers felt that fewer than a million individuals actively use cryptocurrency, but our data suggest that today there are likely well over a million active individuals using cryptocurrency.”

The Global Cryptocurrency Benchmarking Study gathered data from more than 100 cryptocurrency companies in 38 countries around the world via secure web-based questionnaires. CCAF said they captured an estimated 75% of the cryptocurrency industry. Over 30 individual cryptocurrency miners were also surveyed. Four key areas were targeted including exchanges, wallets, mining, and payments.

Highlights of the CCAF research include:

  1. The exchanges sector has the most operating entities and employs the most people, with significant geographic dispersion. Currently, about 52% of small exchanges hold a formal government license, compared to only 35% of large exchanges. CCAF says recent moves by the People’s Bank of China could soon alter this picture.
  2. Between 5.8 million and 11.5 million wallets are estimated to be “active” today. If the average person has two wallets, this means there are between 2.9 million and 5.8 million individual active users of cryptocurrency. Approximately 52% of wallets providing an integrated currency exchange feature.
  3. While 79% of cryptocurrency payment companies have relationships with banking institutions and payment networks, the difficulty of obtaining and maintaining these relationships is cited as the biggest challenge by this sector. National-to-cryptocurrency payments constitute two-thirds of total payment company transaction volume, with national-to-national at 27% and cryptocurrency-to-cryptocurrency at 6%.
  4. Publicly known mining facilities are geographically dispersed, with a significant concentration in certain Chinese provinces. About 75% of all major mining pools are based in China and the US.
  5. Regarding employment, the study said about 1800 individuals are working full time in the cryptocurrency industry.
  6. A considerable number of miners seem to be indifferent as to how cryptocurrencies should be treated for tax purposes, but individual miners who are not indifferent would like to see cryptocurrencies being treated as currencies for tax purposes.
  7. A major concern of both small and large miners is the debate about how a cryptocurrency system should scale, and what methods should be used.

Dr. Hileman said that digital currencies like Bitcoin are not a passing fad. The combined market value was estimated at $27 billion. Hileman compared it to the value creation of a high-profile startup like AirBnB.

While Bitcoin may be the first and best-known cryptocurrency to emerge there are now hundreds of different types of digital coinage. Bitcoin does remain the dominant cryptocurrency both in terms of market capitalisation and usage but it has conceded market share to other cryptocurrencies – declining from 86% to 72% in the past two years. This was buttressed by the fact that almost 40% of wallets accept various forms of cryptocurrencies.

Emerging cryptocurrencies include; Ethereum, Dash, Monero, Ripple and Litecoin.

“This benchmarking study sheds light on the burgeoning cryptocurrency industry and comprehensively examines the global development of exchanges, wallets, payments and mining sectors,” added Robert Wardrop, co-founder and a Director of CCAF. “It demonstrates that cryptocurrencies such as bitcoin are undergoing some profound changes in how digital assets are transacted, stored, channeled and generated. The findings of this study will serve to advance useful academic and policy research into cryptocurrencies and its many implications.”

A forthcoming report will focus on Blockchain or distributed ledger technology (DLT) will also be released in the next few weeks.


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