CFPB 受到攻擊：監管機構審查線上遊戲中的加密貨幣和交易

美國消費者金融保護局 (CFPB) 正在監控遊戲內金融交易，包括加密資產交易和借貸平台，強調對詐騙、盜竊和受害者缺乏追索權的擔憂。該報告還研究了基於區塊鏈的遊戲和 DeFi 借貸平台的成長，強調了與這些新興技術相關的潛在風險。

CFPB Scrutinizes Cryptocurrency and Financial Transactions in Online Gaming: A Comprehensive Analysis

CFPB 審查線上遊戲中的加密貨幣和金融交易：綜合分析

Introduction

介紹

The Consumer Financial Protection Bureau (CFPB), a federal watchdog responsible for safeguarding consumers in financial markets, has directed its attention towards online gaming, particularly focusing on monetary transactions conducted within game platforms. This intensified scrutiny comes amidst the burgeoning popularity and adoption of cryptocurrency and blockchain technology in the gaming industry.

消費者金融保護局 (CFPB) 是負責保護金融市場消費者的聯邦監管機構，已將注意力轉向線上遊戲，特別是遊戲平台內進行的貨幣交易。這種加強的審查是在加密貨幣和區塊鏈技術在遊戲產業中迅速流行和採用的背景下進行的。

In-Game Currency and Transactions

遊戲內貨幣和交易

In numerous popular online video games, players engage in buying and selling in-game currencies, effectively converting fiat currencies into virtual equivalents. These in-game currencies are then utilized to acquire various services and items within the gameplay, including digital goods and enhancements.

在許多流行的線上視訊遊戲中，玩家參與買賣遊戲內貨幣，有效地將法定貨幣轉換為虛擬等價物。然後，這些遊戲內貨幣用於獲取遊戲中的各種服務和物品，包括數位商品和增強功能。

The CFPB classifies these activities as "banking in video game titles and digital worlds." When in-game assets serve as a medium of exchange for goods, services, or peer-to-peer transfers, they bear striking similarities to financial institutions and payment providers.

CFPB 將這些活動歸類為「電玩遊戲和數位世界中的銀行業務」。當遊戲內資產作為商品、服務或點對點轉移的交換媒介時，它們與金融機構和支付提供者有著驚人的相似之處。

Cryptocurrency Integration

加密貨幣整合

The increased attention from the CFPB coincides with the growing interest and adoption of crypto gaming. In the first quarter of 2024, gaming tokens like GALA, IMX, FLOKI, and RON experienced a surge in value, collectively surpassing $26.9 billion in market capitalization.

CFPB 日益關注的同時，人們對加密貨幣遊戲的興趣和採用也日益增長。 2024 年第一季度，GALA、IMX、FLOKI 和 RON 等遊戲代幣的價值大幅上漲，總市值超過 269 億美元。

AI developers have also taken notice of the potential in blockchain gaming. Helika, an AI analytics firm, recently launched a $50 million crypto gaming accelerator.

人工智慧開發人員也注意到了區塊鏈遊戲的潛力。人工智慧分析公司 Helika 最近推出了價值 5000 萬美元的加密遊戲加速器。

Concerns and Regulatory Focus

擔憂和監管重點

The CFPB has expressed concerns about potential issues associated with online gaming, including scams, theft, and illicit activities. The agency has also identified a lack of recourse for users who lose their in-game assets.

CFPB 對與線上遊戲相關的潛在問題（包括詐騙、盜竊和非法活動）表示擔憂。該機構還發現，失去遊戲內資產的用戶缺乏追索權。

Gaming companies often adopt a "buyer beware" approach, placing the burden on individual players to avoid fraud and phishing attempts. While they may suspend or ban accounts suspected of fraudulent activity, they typically offer minimal support to victims.

遊戲公司通常採取「買家當心」的方法，將避免詐欺和網路釣魚企圖的負擔交給個人玩家。雖然他們可能會暫停或禁止涉嫌詐欺活動的帳戶，但他們通常會為受害者提供最低限度的支持。

Third-Party Platforms and Fiat Currency Exchange

第三方平台和法幣兌換

The CFPB has identified the existence of third-party websites that facilitate the trading of in-game items and currencies for Bitcoin. For instance, Second Life's "Linden Dollars" can be acquired through Second Life's official Linden Commerce (LindeX) using fiat currencies and transferred to third parties via PayPal or Skrill.

CFPB 已確認存在促進遊戲內物品和貨幣兌換比特幣交易的第三方網站。例如，第二人生的「Linden Dollars」可以透過第二人生的官方林登商務（LindeX）使用法定貨幣獲得，並透過PayPal或Skrill轉移給第三方。

Blockchain-Based Games and NFTs

基於區塊鏈的遊戲和 NFT

The CFPB's report also sheds light on blockchain-based games and platforms, including Axie Infinity, Decentraland, Sandbox, and others. These games utilize cryptocurrencies and non-fungible tokens (NFTs) that can be traded and sold for USD.

CFPB 的報告還揭示了基於區塊鏈的遊戲和平台，包括 Axie Infinity、Decentraland、Sandbox 等。這些遊戲利用加密貨幣和不可替代代幣（NFT），可以以美元進行交易和出售。

DeFi Lending Platforms

DeFi 借貸平台

The report also examines DeFi lending platforms like MetaLend, which allows Axie Infinity players to secure loans against their in-game NFTs while still using them for gameplay.

該報告還研究了 MetaLend 等 DeFi 借貸平台，該平台允許 Axie Infinity 玩家利用遊戲內的 NFT 獲得貸款，同時仍將其用於遊戲。

Case Study: Axie Infinity

案例研究：Axie Infinity

Axie Infinity serves as a prime example of the challenges and opportunities presented by crypto gaming. At its peak, the game boasted over 2.7 million daily active users. However, as the player base grew, the cost of NFTs required to participate in the game skyrocketed, creating a hierarchy of users: investors, scholars, and laborers.

Axie Infinity 是加密遊戲帶來的挑戰和機會的典型例子。在巔峰時期，遊戲擁有超過 270 萬日活躍用戶。然而，隨著玩家群體的擴大，參與遊戲所需的 NFT 成本飆升，形成了用戶的等級制度：投資者、學者和勞動者。

While the crypto-asset market initially praised Axie Infinity as a potential vehicle for earning income, reports emerged highlighting the exploitative practices employed within the game's ecosystem.

雖然加密資產市場最初稱讚 Axie Infinity 是一種潛在的創收工具，但有報告強調了遊戲生態系統中所採用的剝削行為。

The Ronin Hack

浪人駭客

In March 2022, Axie Infinity's Ethereum sidechain Ronin experienced a major hack. Stolen private keys were used to siphon approximately 173,600 ETH and 25.5 million USDC, amounting to $622 million at the time.

2022 年 3 月，Axie Infinity 的以太坊側鏈 Ronin 遭遇重大駭客攻擊。被盜的私鑰被用來竊取大約 173,600 ETH 和 2550 萬 USDC，當時金額達 6.22 億美元。

Regulatory Response and Next Steps

監管回應和後續步驟

The CFPB report does not prescribe specific regulatory actions but indicates that the agency will continue to collaborate with other agencies to monitor the space. The CFPB intends to focus on companies that collect and monetize sensitive consumer data, particularly when such data is harvested without the consumer's knowledge or consent.

CFPB 報告沒有規定具體的監管行動，但表示該機構將繼續與其他機構合作來監控該領域。 CFPB 打算專注於收集敏感消費者資料並將其貨幣化的公司，特別是在消費者不知情或未經同意的情況下收集此類資料的情況。

The CFPB's response to the evolving landscape of online gaming and cryptocurrency transactions underscores the increasing regulatory attention paid to this rapidly growing industry. As the lines between the virtual and the physical continue to blur, consumers must exercise vigilance and understand the potential risks and rewards associated with engaging in crypto gaming.

CFPB 對不斷變化的線上遊戲和加密貨幣交易格局的反應凸顯了監管機構對這個快速發展的行業日益關注。隨著虛擬和實體之間的界線不斷模糊，消費者必須保持警惕並了解參與加密遊戲相關的潛在風險和回報。