Kripto popularnost "velike skrbi" za irskega centralnega bankirja

Irish Central Bank official Derville Rowland says the rising popularity of cryptocurrencies like Bitcoin is “of great concern.”

“Crypto assets are quite a speculative, unregulated investment,” Central Bank of Ireland’s director-general for financial conduct je dejal. She added that people should be “really aware they could lose the whole of that investment.” 

Rowland has now joined a bevy of central bankers expressing their concerns over the growing prominence of cryptocurrencies. Bank of England Governor Andrew Bailey has repeatedly remarked that cryptocurrencies have no intrinsic value, referring to them as “nevarno«.

Last week, Bank of Japan Governor Haruhiko Kuroda similarly commented on bitcoins’ exceptional volatilnosti, saying “it’s barely used as a means of settlement.”

Vse večji vpliv Rowlanda

Ko je vodila svoj oddelek pri Centralni banki Irske, je Rowland pokazala gravitacijo in naložila globe nekaterim največjim finančnim podjetjem v državi. Njen odnos do kriptovalut bi lahko imel pomembne posledice za večje sprejemanje kripto valut v državi na evropski fronti.

Julija bo Rowlandova prevzela novo vlogo predsednice stalnega odbora Evropskega organa za vrednostne papirje in trge (ESMA). Medtem ko se ta oddelek osredotoča na pripravo predpisov za industrijo skladov, bo njen položaj najvišje uradnice v evropskem regulativnem organu okrepil njen glas.

Ciljanje na gamifikacijo

While concerned about crypto, Rowland’s new role will focus more on the growing gamification of investing products and services. She feels that a “gamified” approach to investing, popularized by trading apps like Robin Hood. could soon become an issue in Europe.

Critics have charged Robinhood with turning trading into a družbena dejavnost, rather than approaching it more prudently. In their mind, investors using message boards to make financial decisions instead of proper investment advice could be dangerously exposed.

Kljub pomanjkanju časovnega okvira za sprejetje katere koli nove uredbe, Rowland poudarja, da morajo biti vsa nova pravila "tehnološko nevtralna". S tem pomeni, da "v starejših papirnatih procesih ne dobite boljše zaščite kot pri več spletnih procesih."