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毕马威:比特币等加密货币目前还不具备储存价值

毕马威(KPMG)在其最新的加密货币研究报告中表示,比特币等加密货币要想成为一种价值储存资产,还需要很长时间。

这家会计师事务所发布的《加密资产制度化》报告声称,比特币等资产既不能作为交换媒介,也不能作为价值储存手段,主要原因是它们缺乏信任和可扩展性。该报告建议,如果加密货币希望在稳定性和公众采用方面获得进一步发展,就必须进行制度化。

毕马威首席经济学家Constance Hunter表示:

更广泛金融服务生态系统的参与,将有助于推动代币经济的信任和规模,并帮助加密货币市场成长和成熟。

大资金时代

根据毕马威的报告,制度化保障了金融科技公司、银行、支付机构、交易所、经纪商以及行业内其他实体的大规模参与。主要机构参与到加密货币领域中,可以减少当前全球经济体系中存在的摩擦和低效。

截至目前,加密货币市场正处于由散户投资者推动的投机阶段。人们将更多的赌注押在了加密技术的潜力上,而不看重它们实际能做到什么,结果是在一个基本上不受监管的领域中,导致风险最大化。毕马威的研究报告将遵守监管规定作为加密货币行业面临的挑战之一,指出加密企业需要在监管机构面前明确定义自己的产品。

与此同时,为加密货币领域制定全面的法律法规可以允许大企业向其市场注入大量资金。

毕马威报告的撰稿人表示,随着全球最知名的金融机构采用加密货币,市场将从投机阶段过渡到制度化阶段。该公司坚称,他们已经在构建可扩展的平台,使“大玩家可以进入这个领域”,并补充称,他们将推出“高频、低延迟匹配引擎、透明和高效的价格发现工具”来吸引大量资金。

毕马威的报告提到,Coinbase也将是一家合格的托管机构,其允许客户以合规的方式安全存储资产。

该报告解释说:

机构与零售消费者有着不同的需求,机构投资者需要关注合规、透明度和治理,以便他们可以轻松地使用和处理加密货币。

加密资产是发展的必然

尽管加密货币行业面临着暂时的挑战,但毕马威的报告预测,加密货币行业将有光明的前景。

研究人员认为,随着参与者对加密货币越来越熟悉,使用加密货币将成为未来的标准做法。当机构找到管理合规、税收、软件升级(硬分叉)、安全性、财务审计和资产来源的解决方案时,这种情况就会发生。

毕马威表示:

新的token和资产是一回事,而新的商业模式和市场参与者可能会在未来几年重新定义这一领域。

When Moon? Not soon according to the talking heads at KPMG. Bitcoin and other cryptocurrencies will require a bit more time before they truly function as a reliable store-of-value.

We Ain’t There Yet, Says KPMG

Whereas in August, KPMG reported that the blockchain industry was maturing and moving beyond experimentation, the latest study authored by KPMG, says Bitcoin and other cryptocurrencies will require a bit more time before they truly function as a reliable store-of-value.

The report, titled Institutionalization of Crypto-assets determined that Bitcoin and other digital assets are not useful as a medium of exchange or store of value due to a lack of trust in digital assets, rampant volatility, and scalability issues.

The report also suggests that cryptocurrency must be reformed by institutionalization in order to thrive in the future and KPMG chief economist Constance Hunter explained that “more participation from the broader financial services ecosystem will help to drive trust and scale for the tokenized economy.”

KPMG believes that large-scale involvement from banks, payments institutions, FinTech companies, and exchanges are exactly what the crypto-sector requires to better integrate into the current global financial system.

Buy the Rumor, Sell the News

At the moment, many analysts and researchers believe that they crypto-market is primarily propelled by speculative investment from small investors who either select startups based on the potential of their technology or simply because they believe that the digital assets with eventually appreciate in value.

KPMG does not discount the necessity of retail investors to the sector but also points out that the industry’s failure to comply with existing regulations and the need for a unique set of new regulations that recognize the unique characteristics of digital assets are needed before cryptocurrencies can mainstream and become a real store of value.

Basically, KPMG issued the same guidance that many others suggest, which boils down to crypto startups needing to either adjust their business model to comply with current regulations or do a better job defining and representing their products in the eyes of financial regulators.

Only Time will Tell

Coinbase was also a contributor to the report and added that as the cryptocurrency market matures it will slowly undergo a metamorphosis that transforms the market from a space driven by retail speculators to a place frequented by the world’s premier financial institutions.

Through a bit of shameless self-promotion, Coinbase also dropped a hint that it had already designed and launched the platforms and services that institutional investors require to invest in the crypto-sector.

Fortunately, the KPMG ended the report on a positive note by concluding that the advent and dominance of crypto assets will eventually occur. The authors perceive the current challenges facing the crypto sector as merely transitional growing pains and KPMG suggests that cryptocurrencies will reign supreme once issues like taxation, regulatory compliance, security, financial auditing and liquidity are properly addressed.

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