银行业内部人士致政府：你应该想要 Bitcoin 更加私密

By Bitcoinist - 1 年前 - 阅读时间：4 分钟
22 年 2022 月 3 日星期四上午 53:XNUMX

银行业内部人士致政府：你应该想要 Bitcoin 更加私密

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. 

他或她在不愿透露姓名的情况下写道 an essay for The Bitcoin 政策研究所. 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.

但首先，我们不应该将这一段与开场白分开。 它伴随并补充它们。

“由于网络犯罪呈指数级增长以及政府对金融交易的监督和审查增加的双重威胁，个人金融隐私正在并且一直受到多方面的攻击，真正的成本开始以明显的方式显现出来。”

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 网络。

通常，我们不会用作者信息扰乱文章的流程，但这一次很重要。 如果读者不相信银行业内幕，他们就不会认真对待他的智慧之言。 这个人知道怎么回事。

“作者选择保持匿名以保护他们的身份和他们工作的公司。 他们曾在多家上市金融机构从事欺诈预防和缓解领域的工作； 从基层战术到企业战略和政策。” 

他们还从事“身份验证”工作，并参与 KYC 和 AML 的“合规和报告”。 这位银行业内部人士目前在一家银行工作，帮助他们“防止欺诈并遵守有关客户身份的现有监管准则”。 他们对政府和公民的警告与需要的一样令人不寒而栗。

“作为目睹身份盗窃颠覆无数受害者生活的人，我知道财务隐私对于保护消费者免受诈骗者和过去 15 年来激增的犯罪网络的影响是多么重要。 据估计，全球欺诈损失相当于全球 GDP 的 6.4%，到 5.38 年将达到惊人的 2021 万亿美元。专家指出，保护和保护个人财务信息是人们为减轻这些威胁可以采取的最重要的行动之一。

And since we’re giving credit where its due, The Bitcoin 政策研究所 定义自己 as “a nonpartisan, nonprofit organization researching the policy and societal implications of Bitcoin and emerging monetary networks.”

据银行业内部人士称，“现金提供了最高级别的隐私。” 其次，我们有信用卡公司或银行，换句话说，“第三方代表我们进行交易”。 使用这些，有“相对高水平的隐私”，因为这些公司“有法律义务在未经我们同意的情况下不向他人披露我们的交易信息”。

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.”

不仅协作交易不是犯罪。 它们对于系统提供隐私是绝对必要的。 

“这些协作交易工具向最终用户展示了明显的好处，但政策制定者和支持加密货币交易和服务的金融机构对此持怀疑态度，因为这些工具在概念上对想要“打破链条”的犯罪分子也很有吸引力” 了解他们的资金来源。”

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.

“如 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.”

请记住，“专家认为保护和保护个人财务信息是人们可以采取的最重要的措施之一来减轻”隐私威胁。

原始来源： Bitcoin是