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[未央翻译]Fintech国际资讯周报|2017年第48周

TechCrunch创始人推出1亿美元加密资产对冲基金

本周,TechCrunch网站创始人Michael Arrington在一篇博文中宣布,将成立一支名为Arrington XRP Capital的对冲基金,主要用于购买加密货币资产、投资ICO及加密货币相关创企。值得注意的是,这只总额1亿美元的对冲基金并不是由美元或者比特币构成的,其主要资金来源是一种由Ripple开发的加密货币XRP。据CoinMarketCap.com统计,目前XRP已成为全球市值第四的加密货币,总额已达到115亿美元。Ripple方面表示,公司并不隶属于该对冲基金。截至目前,Arrington表示该基金已经得到了5000多万美元的资金保障,并计划于未来几周正式开始交易。

瑞士信贷收购在线借贷平台TradePlus24

本周,瑞士信贷集团宣布购入在线借贷平台TradePlus24主要股权,并希望借此将该平台的信贷服务提供给瑞士信贷集团的中小企业客户。本轮注资由瑞士信贷旗下风投资本机构SVC Ltd,领投。就在本月初,瑞士信贷集团还曾为美国小企业在线借贷平台Kabbage提供了总额2亿美元的周转信贷额度。可以说最近欧洲替代借贷市场热潮正在逐渐兴起,比如法国在线借贷平台Lendix和Younited Credit就曾在过去两个月先后推出了新产品,并成功实现了4000万欧元的融资目标。

澳大利亚消费平台MoneyMe完成1.2亿澳元融资

本周,澳大利亚消费借贷平台MoneyMe宣布收到1.2亿澳元的资产证券化信贷投资。这其中,1亿澳元来自Fortress Investment Group的全球投资经理人,另外2000万澳元则来自Evans & Partners的债券投资。据了解,MoneyMe计划利用这些资金进一步拓展业务范围、贷款产品种类以及分销渠道。MoneyMe由Clayton Howes创立,通过其在线平台提供包括个人贷款、现金贷款、在线现金预支、快速现金预支、短期贷款、即时贷款等多种信贷服务,贷款年限从1个月到3年,贷款金额从2000澳元到15,000澳元。

美联储副主席:加密货币威胁金融稳定,央行数字货币还需三思

在本周四召开的2017年金融稳定及金融科技会议上,美联储委员会副主席Randal Quarles对加密货币的崛起发出了警告。他认为如果私人去中心化货币成长得过大,它们可对更广泛的金融系统产生"溢出效应"。 他表示,所有央行在发行其本土加密货币之前应当进行大量的审查,尤其是那些现金使用率突出的国家。此外他还指出,过快地推出央行数字货币可能会给民众带来恐慌,甚至导致经济下行。不过,Quarles还是支持数字货币成为结算过程的"安全有限目的"工具并鼓励对加密货币应用进行进一步研究。

利用区块链升级物联网设备,柏林创企Moeco融资500万美元

本周,柏林物联网平台与硬件创企Moeco宣布获得全球最大区块链全服务平台Bitfury Group的500万美元投资。Moeco成立于今年年初,希望建立一个全球性的网络系统,让用户融入现有物联网网络或者成为自己的物联网服务提供商。未来,Moeco计划利用Bitrfury的Exonum协议帮助用户移动、管理和维护数据与相关资产。Moeco希望未来用户可以摆脱地域的限制而形成一个全球性的复杂智能网络系统。

Facebook宣布免除公益众筹项目交易手续费

本周,Facebook宣布将免除非盈利组织通过该平台众筹的项目交易手续费。此前Facebook对此类项目的佣金比例为5%。然而就在今年2月,4.2万人针对一项150万美元的众筹项目发起请愿,希望Facebook免除此类项目的手续费,最终Facebook同意了这个请求。不过,Facebook之后还是会向其他个人众筹融资项目收取手续费,其中包括6.9%的支付处理费和30%的捐款金额抽成。对在线融资项目手续手续费应该算是一种行业管理,包括Kickstarter和Indiegogo等多家平台都会对在其平台上进行众筹的项目方收取6%到8%不等的手续费。此外,Facebook还计划推出一个叫做Fundraisers API的软件项目,允许用户将自己的Facebook融资页面加载融合到其他在线融资众筹平台上去。

欧盟拟对区块链展开"宽松"监管

在本周一于伦敦召开的一次活动中,有关人员表示欧盟委员会对区块链基础持"接受、支持但保留一定程度警示"的态度。上月,欧盟委员会针对ICO发布警示报告。而明年早些时候,欧盟将成立一个专门的观察团,监管区块链相关的机遇和风险,并明确其他可能得到应用的实践领域(比如审计或增值税申报等)。此外,欧盟委员会明年还会上马一个实验项目,重点关注区块链在财务报告领域方面的应用。

英国2017秋季财政预算提及三大金融科技产业政策

在11月22日公布的2017秋季财政预算中,英国财相Philip Hammond提到了有关Fintech行业发展的三项措施:

  1. 监管者先锋基金-总额1000万英镑,帮助监管者发展创新手段,将新兴产品和服务投入市场。
  2. 科技国家-英国政府将会在4年时间内投资2100万英镑扩大"科技城市"倡议,"科技国家"倡议中将为英国领先的专精科技领域包括Fintech和人工智能推出专门领域项目。地区科技中心将位于剑桥、布里斯托、巴斯等13个城市。
  3. 人工智能-英国政府计划创建数据道德和创新中心,并借助这一咨询组织,推动政府、监管部门以及行业一起合作为人工智能应用奠定基础。此外,英国政府将投资7500多万英镑,资助独立人工智能评估、创建新人工智能学术奖金并为450名博士研究员提供初始资金。

Michael Arrington launches $100 million cryptocurrency hedge fund

Arrington, who also founded TechCrunch, announced in a blog post the formation of Arrington XRP Capital, which will buy various crypto assets, invest in initial coin offerings and, to a smaller degree, invest in crypto-related startups. In what is believed to be a first, the $100 million hedge will be denominated not by dollars or even bitcoin, but by XRP, a cryptocurrency developed by Ripple. XRP is the fourth-largest cryptocurrency by market cap, according to CoinMarketCap.com, at $11.5 billion. Ripple is not affiliated with the hedge fund. Arrington said the fund has commitments for over $50 million so far, and plans to start trading in the coming weeks. (Source: Market Watch)

Credit Suisse gains majority stake in online European lender

Credit Suisse has acquired a majority stake in automated lending start up TradePlus24, with a view to offer the platform's services to its own SME customers. The Series A-1 financing round was led by SVC Ltd, a venture capital vehicle owned by Credit Suisse. Credit Suisse is also expanding its effort westward, after providing a $200m asset-backed revolving credit facility to American small business lender Kabbage earlier this month. The news comes as alternative lending in Europe appears to be hotting up, with French online lenders Lendix and Younited Credit making big moves in the last two months with the release of new products and a landmark €40m fundraise. (Source: AltFi)

MoneyMe Secures A$120M in Financing

MoneyMe, an Australian consumer lending fintech company, received an AU$120m asset-backed wholesale securitization facility. This includes $100m from global investment manager Fortress Investment Group joined with $20m of bonds issued by Evans & Partners. The company intends to use the funds to continue to expand its business reach, its loan product range, and distribution channels. Led by Clayton Howes, CEO and Co-Founder, MoneyMe provides a lending platform offering Personal, Cash, Quick Cash, Online Cash, Cash Advance, Fast Cash Advance, Short Term, Quick, Instant, Small, and Quick Personal loans. The loan period can be from 1 month for up to $2,000 or 3 years for larger amounts, up to $15,000. (Source: FINSMES)

Fed Vice Chair: Cryptocurrencies Threaten Financial Stability

Speaking at the 2017 Financial Stability and Fintech Conference on Thursday, Quarles warned against the rise of cryptocurrencies, saying private decentralized currencies could have "spillover effects" on the broader financial system if they grow too big. He also suggested "extensive reviews and consultations" before any central bank issues its own homegrown cryptocurrency, especially in nations where cash is prominently used. Rolling out such currencies too quickly could also spook residents and lead to a drop in economic activity, Quarles warned. Yet, he does support the idea of using digital currencies as "secure limited-purpose" tools for settlement processes and recommended further research into cryptocurrencies to establish use cases. (Source: CoinDesk)

Berlin-based Moeco raises $5 million from Bitfury to bring Blockchain security to IoT connected devices

Moeco, an IoT platform and hardware development startup from Berlin, today announced it received $5 million in a funding round led by the Bitfury Group - the world's largest full-service Blockchain technology company. Founded earlier this year, Moeco is working to build a global network of cells that enable users to integrate existing IoT networks, or deploy new ones, becoming their own in-house service provider. To achieve its business goals, Moeco plans to use Bitfury's Exonum, a new protocol that helps businesses move, manage and secure data and assets. Moeco enables device manufacturers to become global service providers, meaning that IoT devices will work anywhere, without limitations and the need to forge a patchwork of complicated contracts with carriers. (Source: EU-Startups)

Facebook To Eliminate Transaction Fees On Donations

Facebook announced that it has eliminated transaction fees on donations made to non-profit organizations through its platform. Facebook had been charging a 5 percent transaction fee on donations made to non-profits via its website or app. In February, a petition signed by 42,000 people demanded that the site waive the fees it charges a charity for raising $1.5 million on its website. The site will continue to charge fees on fundraisers set up by individuals, including a payment processing fee of 6.9 percent, plus 30 cents per donation. Other online fundraising sites charge transaction fees on donations of about 6 to 8 percent. Besides, the company plans to launch a software program, called Fundraisers API, that will allow users to sync their Facebook fundraisers with other fundraising pages. (Source: PYMNTS)

Brussels promises "soft touch" blockchain regulation

The European Commission is reported to approach blockchain with "acceptance and support but a healthy degree of caution". Apart from the warnings towards ICO issued last month, an EU Observatory will launch early next year to monitor the opportunities and risks of the technology, as well as identify areas where it could be put into use, such as procurement or VAT reporting. What's more, the commission will also launch a pilot project next year, focused on using blockchain for financial reporting as well as a white paper discussing the technology. (Source: CITY A.M.)

UK Government Measures For Fintech - Autumn 2017 Budget

The UK Chancellor of the Exchequer, Philip Hammond, included three measures in his 2017 Autumn Budget on 22 November of interest to the FinTech industry:

  1. Regulators' Pioneer Fund- The new £10 million fund is designed to help regulators to develop innovative approaches aimed at getting new products and services to market.
  2. Tech Nation- The Government will invest £21 million over the next 4 years to expand Tech City UK's reach - to become 'Tech Nation' - and support regional tech companies and start-ups. Tech Nation will roll out a dedicated sector programme for leading UK tech specialisms, including FinTech and Artificial Intelligence. Regional hubs will be located in: Cambridge, Bristol, Bath and etc.
  3. AI- The government plans to create a new Centre for Data Ethics and Innovation. This advisory body is designed to work with the Government, regulators, and industry to help lay the foundations for AI adoption. The Government will also invest over £75 million to progress key recommendations of the independent review on AI, create new AI fellowships, and provide initial funding for 450 PhD researchers.

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[未央翻译]Fintech国际资讯周报|2017年第50周

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