Fitch Ratings opozarja na ta negativni vidik sprejetja bitcoin (BTC) El Salvadorja

Fitch Ratings se je pridružil dolgi liniji nasprotovanja v zvezi s pravnim razpisom Bitcoin za Salvador. Svetovna bonitetna agencija je državo opozorila na velika tveganja po sprejetju BTC. Fitch Ratings trdi, da bo zakonito plačilno sredstvo BTC povzročilo negativno kreditno sposobnost za lokalne zavarovalnice. To bi pomenilo, da se dobiček lahko hitro pretvori v izgubo in obratno.

Sprejetje BTC lahko povzroči kreditno negativnost

The agency highlighted El Salvador’s uncertain BTC adoption plans for traditional markets. It stated that the country’s lack of clarity in policymaking, combined with crypto’s high volatility, may result in unwanted outcomes, especially for insurers.

“El Salvador’s recent legislation establishing bitcoin as a legal tender will likely be a credit negative for local insurance companies with exposure to the newly established currency due to higher FX and earnings volatility risk as well as additional regulatory and operating risk considerations.”, according to Fitch Ratings’ sporočilo za javnost.

Zavarovatelji prej ali slej pretvorijo BTC v USD

Praktičnega primera izvajanja zakonitega plačilnega sredstva Bitcoin ni. To bi potem samo še povečalo dvome o tem, da bi Bitcoin postal delujoča valuta v državi. Fitch trdi, da obstajajo velike možnosti za množično zavrnitev, ne glede na vladna prizadevanja in izvajanje zakonitih plačilnih sredstev po BTC.

According to Fitch, if the government allows Bitcoin to pay premiums, the insurers will prefer to immediately convert their Bitcoin holdings into ameriški dolar to prevent volatility risk. However, the conversion time frame will depend on whether the regulatory and operational structure would allow immediate BTC to USD conversions. The policy structure remains uncertain to date.

“The risks of using bitcoin largely relate to its rate of acceptance among policyholders. Insurers will likely convert bitcoin into USD as quickly as possible to limit exchange risks, if policyholders decide to use it to pay premiums…Insurers that hold bitcoin on their balance sheets for extended periods will be acutely exposed to its price volatility, increasing asset risk, which is a credit negative.”, Fitch dodano.

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