Hukumatlar uchun bank Insider: Siz xohlashingiz kerak Bitcoin Ko'proq shaxsiy bo'lish

By Bitcoinist - 1 yil oldin - O'qish vaqti: 4 daqiqa
Per, 22 yil 2022 -sentabr, 3:53

Hukumatlar uchun bank Insider: Siz xohlashingiz kerak Bitcoin Ko'proq shaxsiy bo'lish

According to this banking insider, the governments have it all wrong. Bitcoin is one of the least private assets out there, and they should change policies for the pendulum to swing the other way. In the banking insider’s opinion, instead of protecting them, the governments have been harming their citizens with the current draconian measures. That sounds convenient for bitcoin, sure, but this banking insider seems like the real deal. 

Anonimlik sharti bilan u yozgan an essay for The Bitcoin Siyosat instituti. It starts with, “Financial privacy – and, more specifically, the requirement to obtain informed consent prior to the collection and use of another’s personal financial information – is fundamental to individual freedom.” From there, it goes to Mordor and back. Is the banking insider on to something? Or is the banking insider just toeing the bitcoin’ party line? Let’s examine what she or he said and find out.

Lekin birinchi navbatda, biz ushbu paragrafni ochilish satrlaridan ajratmasligimiz kerak. U ularga hamrohlik qiladi va to'ldiradi.

"Kiberjinoyatlarning eksponentsial oshib borishi va moliyaviy operatsiyalarni hukumat nazorati va tekshirishining kuchayishi bilan bog'liq ikki tomonlama tahdidlar tufayli, individual moliyaviy maxfiylik ko'plab jabhalarda hujumga uchramoqda va haqiqiy xarajatlar sezilarli darajada namoyon bo'la boshladi."

This is a very important subject and the world should thoroughly discuss it ASAP. This banking insider is doing the governments a favor by explaining to them how privacy works in bitcoin. The essay also reads like a preemptive strike against possible Tornado Cash-like sanctions against the bitcoin tarmoq.

Odatda, biz muallif haqidagi ma'lumotlar bilan maqola oqimini buzmasdik, lekin bu safar bu muhim. O‘quvchilar bank insayderiga ishonmasalar, uning hikmatli so‘zlarini jiddiy qabul qilishmaydi. Bu odam nima bo'lganini biladi.

“Muallif o‘z shaxsini va ular ishlayotgan kompaniyani himoya qilish uchun anonim qolishni tanladi. Ular firibgarlikning oldini olish va yumshatish sohasida ko'plab ochiq moliya institutlarida ishlagan; yer darajasidagi taktikadan korxona strategiyasi va siyosatigacha. 

Ular, shuningdek, "identifikatsiyani tekshirish" da ishlagan va KYC va AML "muvofiqlik va hisobot berish" bilan shug'ullangan. Bank insayderi hozirda bankda ishlaydi va ularga "firibgarlikning oldini olish va mijozlar identifikatori bo'yicha mavjud tartibga solish qoidalariga rioya qilish" ga yordam beradi. Ularning hukumatlar va fuqarolar uchun ogohlantirishi qanchalik zarur bo'lsa, shunchalik sovuq.

“Shaxsiy ma’lumotlar o‘g‘irlanishi son-sanoqsiz qurbonlar hayotini o‘zgartirganini ko‘rgan odam sifatida men so‘nggi 15 yil ichida ko‘payib borayotgan firibgarlar va jinoiy tarmoqlardan iste’molchilarni himoya qilishda moliyaviy maxfiylik qanchalik muhimligini bilaman. Hisob-kitoblarga ko‘ra, firibgarlikdan ko‘rilgan global yo‘qotishlar jahon yalpi ichki mahsulotining 6.4 foiziga to‘g‘ri keladi va 5.38-yilda 2021 trillion dollarni tashkil etadi. Mutaxassislarning ta’kidlashicha, shaxsiy moliyaviy ma’lumotlarni himoya qilish va himoya qilish inson bu tahdidlarni yumshatish uchun amalga oshirishi mumkin bo‘lgan eng muhim choralardan biri”.

And since we’re giving credit where its due, The Bitcoin Siyosat instituti o‘zini belgilaydi as “a nonpartisan, nonprofit organization researching the policy and societal implications of Bitcoin and emerging monetary networks.”

Bank insayderiga ko'ra, "naqd pul eng yuqori darajadagi maxfiylikni ta'minlaydi". Ikkinchidan, bizda kredit karta kompaniyalari yoki banklarimiz bor, boshqacha qilib aytganda, "bizning nomimizdan operatsiyalarni amalga oshiradigan uchinchi shaxslar". Ulardan foydalangan holda, "nisbatan yuqori darajadagi maxfiylik" mavjud, chunki bu kompaniyalar "bizning roziligimizsiz bizning tranzaksiya ma'lumotlarimizni boshqalardan oshkor qilmasliklari shart".

You know who’s in the third place, “because Bitcoin is an open, public ledger, a user’s transaction history is available publicly to everyone.” The transparency of the bitcoin network means that “anyone can see all the transactions in the past that are linked to the holdings in that wallet address – and in many cases, how much Bitcoin is in the wallet!”

That leads us to prevention. Just in case lawmakers are thinking about directing a Tornado Cash-like attack on bitcoin:

"Bitcoin users who don’t want to share their entire transaction history or net worth when transacting with a merchant can use collaborative transaction tools to bring their financial privacy up to par with their other payment methods. These tools provide a similar service to what Visa provides its users today; they shield transactional details from both the counterparty to the transaction and from external observers.”

Bu nafaqat hamkorlikdagi bitimlar jinoyat emas. Ular tizim maxfiylikni ta'minlashi uchun mutlaqo zarurdir. 

"Ushbu hamkorlikdagi tranzaksiya vositalari oxirgi foydalanuvchilarga aniq foyda keltiradi, ammo siyosatchilar va kripto almashinuvi va xizmatlarini ta'minlovchi moliyaviy institutlar tomonidan shubhali ko'rinadi, chunki bu vositalar zanjirni buzishga urinmoqchi bo'lgan jinoyatchilar uchun ham kontseptual jihatdan jozibali. "o'z mablag'lari manbalarini ko'rish".

In the end, the banking insider is only saying that bitcoin users deserve “the same level of financial privacy that Americans are legally entitled to for day-to-day transactions – regardless of how those individuals choose to pay or be paid.” And that the system is different enough to deserve a new set of rules. And that this is not a trivial matter.

"As Bitcoin users grow via regulated exchanges, lawmakers must ensure that their financial privacy is protected at the same level as all other regulated payment rails. If this isn’t addressed soon, the global threat that fraud poses today will only accelerate.”

Esingizda bo'lsin, "mutaxassislar shaxsiy moliyaviy ma'lumotlarni himoya qilish va himoya qilishni insonning shaxsiy hayotiga tahdidlarini yumshatish uchun qilishi mumkin bo'lgan eng muhim harakatlardan biri sifatida ta'kidlaydilar".

Asl manba: Bitcoinist