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国际资讯监管与政策

监管者一声令下,这个国家的加密货币市场一下乱了套

全新的互联网金融模式国际资讯监管与政策

监管者一声令下,这个国家的加密货币市场一下乱了套

近些年来,熟识科技的津巴布韦民众一直在使用比特币和其他加密货币来应对本国外汇和流动性不足的问题。比如,比特币现在已被用于购买机票、软件支付、从日本购买二手车或将外汇转到国外。

此外,此前津巴布韦商人也十分依赖比特币进行交易。大概半年到一年前,比特币价值创历史新高,在津的票面价值比更发达市场还高。

以此来看,津巴布韦这个南非国家已经成为了非洲最具活力的加密货币交易市场。但近日,该国央行突然发布公告,要求金融平台停止处理虚拟货币支付,窗口期两个月。

津巴布韦银行的全面禁令交易商和使用比特币支付的人们措手不及。比如津巴布韦业内领先的加密货币交易平台Golix在该声明发布后立刻中止了ICO。此前,该平台本计划通过代币发行募集3200万美元以进一步扩充非洲市场。许多人希望央行能够让步,他们指责央行印钱从二级市场上购买外汇。

有关人士认为,生产力低下、缺少外商投资是造成津巴布韦外汇短缺的主要原因。但难以填平外汇缺口的津央行却表示,比特币交易风险大且对金融系统造成不稳定影响,而这又与其此前大力呼吁使用数字交易平台、缓解外汇短缺的措施形成了矛盾。

宪法法律专家 Advocate Fadzai Mahere周二表示,"这一禁令的法律基础可疑"。此前,印度的加密货币交易平台和比特币交易商将印度央行告上法庭,而后者也发布了虚拟货币支付处理禁令。津巴布韦的交易商和交易平台也很有可能选择相同的道路,他们需要答案也希望拯救已慢慢获得民众支持的数字贸易。

加密货币交易商和投资者在寻找规避禁令的方法,Golix则和监管者进行交流,试图说服他们该平台遵守了"了解你客户"和尽职调查原则。Golix像该国比特币交易者表示"因为禁令,用户将无法在加密货币交易中使用或接收法币"。

Tech savvy Zimbabweans have long used bitcoin and other cryptocurrencies to plug foreign currency and liquidity gaps plaguing the country, so much so that the southern African country has become one of Africa’s most active markets for crypto transactions. But that hedging strategy has suffered a major setback after the Zimbabwean central bank ordered finance houses to stop processing virtual currency payments and gave then a two-month ultimatum to put this into effect.

The announcement has thrown the country’s leading crypto currency exchange platform, Golix, into disarray. It has halted its planned token sale to raise $32 million under an initial coin offering (ICO) aimed at generating funds to expand across Africa.

The Reserve Bank of Zimbabwe, which is battling to plug foreign currency shortages as foreign shareholders fail to remit dividends back home, says bitcoin trade is risky and could have destabilizing effects on the financial system. This is in stark contrast to the central bank’s call for the adoption of digital payment platforms as one of the measures to curtail the debilitating effects of foreign currency shortages inflicted by low productivity and a shortage of foreign direct investment inflows.

Constitutional and law expert, Advocate Fadzai Mahere, said on Tuesday that the “legality of the ban is doubtful”. This comes as other crypto currency exchange platforms and bitcoin traders in India, which has also banned banks from processing virtual currency payments, are dragging the Reserve Bank of India to the courts. It is largely expected that traders and exchange platforms in Zimbabwe will take this route as they scramble for answers and to save a digital trade that had started to garner public interest.

“The ban appears not to be based on any law or regulation, not to mention that it seems not to be reasonable, proportionate or fair,” Mahere said on Twitter.

The blanket ban by the reserve bank of Zimbabwe has left traders and those who used bitcoin for various payments in a tailspin. Bitcoin was now being used for airline payments, software payments, and pre-owned vehicle purchases from Japan and for sending forex out of the country. Many are hoping that the central bank, which has been accused of printing more local notes and coins to buy forex from parallel markets, will back down from its position.

Bitcoin was so crucial to the transactions for business people in Zimbabwe that due to the illiquidity of the market, the value of bitcoin reached record highs about six months to year ago, with a nominal value higher than in more developed markets.

As traders and investors in crypto currency look for a way round ban, Golix is engaged with regulators with a view to convince them it adheres to “know your customer” and due diligence tenets. The exchange platform has explained to bitcoin traders in Zimbabwe that they will “will not be able to send or receive fiat currencies for crypto currency trades because of the ban.


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