最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式区块链国际资讯

看不惯比特币,多家银行申请百余项加密货币专利

银行和比特币的关系很奇怪,但确实有一些共同之处。 在比特币的支持者看来,它是货币的未来。但现在,银行控制着“传统”货币的渠道而比特币仍然需要“传统”货币来购买。 最新的专利数据显示,如果这些寡头们有门路,他们最终还会在数字货币领域拥有控制权。

银行非常看好区块链

除少数人外,银行家与传统投资人似乎错过了比特币的前几波热潮。 他们不相信这种无政府主义者的互联网货币会如此受欢迎。 起初,他们的想法是对的。 但是,接下来这样想就是错误的了——因为比特币确实非常火爆。 这是非常重大时刻。 现在,银行业和华尔街已经非常喜欢比特币了,他们启动了期货交易柜台,收购交易所(例如高盛附属的Circle收购Poloniex),甚至推出了自己的区块链。

金融公司提交了150个加密货币专利

银行是最高产的加密货币专利申报者之一,其中美国银行排名首位。 这说明,首先各大银行都已经开始默默关注比特币和其底层技术区块链。 其次,他们可能错过了比特币最好的时机,但决心弥补。 他们现在的理念似乎是“打不过,就合作”。 当然,美国银行积极愉快地提交加密货币专利申请并不意味着它即将推出自己的BOA代币。

比特币专利报告(Bitcoin Patent Report )汇编了在加密货币领域高产的银行业公司名单。 除了名列榜首的美国银行之外,还有一些其他引人注意的公司入围前十。所有公司都是跨国公司:例如,多伦多道明银行(Toronto-Dominion Bank)拥有85,000名员工,富达(Fidelity )拥有45,000名员工。 这些机构有能力指派一个项目团队来研究区块链,并投入一些资金“以防万一”。 如果他们能够成功创造出下一个尖端的共识算法,或者设计一个拥有超级高吞吐量的区块链,那么该银行—— 得益于所申请的专利 —— 将会获利不少。 如果没有成功,那么这对他们来说这也只是一笔小小的开支。

银行专利实际数量更多

虽然官方数据显示,主要金融机构已提交大约150个加密货币专利,但实际上这个数字可能会高出两到三倍。 专利申请一般不会在第一次提交的18个月内公布。而且在这段时间内,加密货币领域出现了大面积的爆炸性增长和投资。 事实上,银行业提交的专利数量可能接近500个。广泛意义上,PayPal可以被认为是加密货币同等的竞争对手,这是名单上值得注意的一个条目。PayPal共申请了11个专利,最近申请的是“加速货币交易系统”专利。

未来的互联网,所有东西都在线上并相互关联。 传统金融和加密货币的隔离已经由强到弱,因为两个领域的创新者已经跨越了鸿沟,模糊了加密和法定之间的界限。 再加上物联网的设备,可能最终会接到与比特币存在某些共同特征的准区块链上,并且中间存在爆发式的创新。 银行为了不被时代所淘汰,试图让自己处于创新的核心位置的做法并不让人意外。

最近几周,高盛、美国银行和摩根大通都在其提交给美国证券交易委员会的年度文件中谈到了加密货币构成的威胁。 尽管比特币不会很快取代SWIFT银行系统,但加密货币确实提供了一个新的经济体系。 考虑到区块链技术和与之相关的加密货币的巨大潜力,毫无疑问,各大银行正在悄悄布局。 专利数据只是表明金融体系巨头们非常重视加密货币的几个指标之一。

Banks and bitcoin are odd bedfellows, but they do share some things in common. To its proponents, bitcoin is the future of money, but it still takes “traditional” money to purchase cryptocurrency, and right now, banks control the conduits. If these oligarchs have their way, they’ll also have a controlling stake in the crypto sphere eventually, as the latest patent data shows.

Banks Can’t Get Enough of Blockchain

Bankers, together with the rest of the traditional investment world, missed the boat with bitcoin. Save for a few notable exceptions, they didn’t believe the internet funny money peddled by anarchists and cypherpunks would catch on. At first, they were right. But then, following a few false starts, it did. Big time. Now, the banking sector and Wall Street at large can’t get enough of bitcoin, whether it’s launching futures trading desks, acquiring exchanges (such as the Goldman Sachs-affiliated Circle takeover of Poloniex), or even launching their own blockchains.

Financial Companies Have Filed 150 Cryptocurrency Patents

As news.Bitcoin.com reported two weeks ago, banks are among the most prolific filers of cryptocurrency patents, with Bank of America leading the charge. This suggests a couple of things. Firstly, that major banks quietly admire bitcoin and the blockchain that powers it. And secondly that they may have dropped the ball with bitcoin, but are determined to make up for lost time. Their ethos now seems to be “If you can’t beat them, join them”. Of course, just because Bank of America is merrily filing cryptocurrency patents doesn’t mean it’s about to launch its own $BOA coin.

Bitcoin Patent Report has compiled a list of companies within the banking sector that have been prolific on the cryptocurrency front. Aside from Bank of America, which heads the list, there are some other intriguing entrants that make the top 10. All are multinationals; Toronto-Dominion Bank has 85,000 employees for example, and Fidelity another 45,000. These are the sort of institutions with the means to assign a project team to blockchain and throw some money at it “just in case”. Should they succeed in creating the next cutting-edge consensus algorithm, or devise a blockchain with insanely high throughput, the bank – thanks to the patent applied – will profit. And if nothing comes of the venture, well, it’s a drop in the bucket to them.

The Actual Number of Banking Patents Is Higher Still

While official figures show around 150 cryptocurrency patents to have been filed by major financial institutions, the actual figure is likely to be two or three times higher. Patent applications are generally not published until 18 months from when they were first filed, and much of the explosive growth and investment in all things crypto has occurred within this period. In reality, the number of patents filed by the banking industry could be closer to 500. Paypal, which can be loosely considered a like-for-like competitor with cryptocurrency, is a notable entry on the list, with 11 patents to its name. It recently filed a patent for an “expedited cryptocurrency transaction system”.

The internet of the future is one in which everything is online and interconnected. The wall separating traditional finance and cryptocurrency has already gone from stout to paper-thin as innovators from both sides have hopped the divide, blurring the lines between what’s crypto and what’s fiat. Throw in the rise of of the Internet of Things, whose devices may end up on quasi-blockchains that share certain characteristics with bitcoin, and there’s a flurry of innovation. It’s no surprise that banks are trying to position themselves at the heart of it, not least to future proof themselves.

In recent weeks, Goldman Sachs, Bank of America, and JP Morgan have all cited the threat posed by cryptocurrencies in their annual filings to the SEC. While bitcoin isn’t about to replace the SWIFT banking system anytime soon, cryptocurrencies present a new economic system. Given the disruptive potential of blockchain technology and the cryptocurrencies associated with it, it’s no wonder that major banks are quietly securing a stake. Patent data is just one of several indicators that show the giants of the financial system are taking cryptocurrency very seriously.


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