CFPB 警告遊戲中的加密貨幣風險並提出新法規

消費者金融保護局 (CFPB) 的報告《電玩遊戲和虛擬世界中的銀行業務》強調了將加密貨幣整合到遊戲平台中的日益增長的趨勢。該報告指出，Roblox 和 Fortnite 等熱門虛擬世界中的虛擬物品有可能作為加密資產進行交易，引發了人們對詐欺和詐騙的擔憂。它還討論了加密代幣在加密資產虛擬世界中越來越多的使用以及將其轉換為法定貨幣的潛力。因此，CFPB 提出了一項新法規，以擴大對提供數位錢包和支付服務的大型非銀行公司的監管，旨在彌補監管差距並在不斷發展的數位金融環境中保護消費者。

Cryptocurrencies Surge in Gaming: CFPB Raises Concerns and Proposes Regulatory Framework

遊戲領域加密貨幣激增：CFPB 提出擔憂並提出監管框架

Washington, D.C. - The Consumer Financial Protection Bureau (CFPB) has delved into the burgeoning realm of cryptocurrencies in gaming with the release of its latest publication, "Banking in Video Games and Virtual Worlds." This comprehensive report sheds light on the escalating demand for merging virtual gaming environments with real-world financial transactions.

華盛頓特區 - 消費者金融保護局 (CFPB) 發布了最新出版物《視頻遊戲和虛擬世界中的銀行業務》，深入研究了遊戲中新興的加密貨幣領域。這份綜合報告揭示了將虛擬遊戲環境與現實世界金融交易整合的需求不斷增長。

The report highlights a paradigm shift in the gaming industry, where developers are increasingly integrating virtual items with real-world value through cryptocurrency. Leading virtual worlds like Roblox, Second Life, and Fortnite have dominated the landscape, but crypto-asset virtual worlds are gaining traction due to their ability to connect with third-party trading platforms. This interface allows gamers to convert virtual crypto-assets into fiat currency, introducing a layer of complexity and potential risk to the gaming economy.

該報告強調了遊戲產業的範式轉變，開發商越來越多地透過加密貨幣將虛擬物品與現實世界的價值相結合。 Roblox、Second Life 和 Fortnite 等領先的虛擬世界佔據了主導地位，但加密資產虛擬世界因其與第三方交易平台連接的能力而受到關注。該介面允許遊戲玩家將虛擬加密資產轉換為法定貨幣，從而為遊戲經濟帶來一層複雜性和潛在風險。

CFPB Warns of Crypto Scams and Inadequate Consumer Protections

CFPB 警告加密詐騙和消費者保護不足

However, the CFPB's analysis reveals a disconcerting trend of crypto scams and inadequate consumer protections in virtual environments. The report notes that major gaming publishers are considering treating virtual items as crypto-assets, which can be traded on external markets outside the game's internal economy. This interconnectedness increases the potential for fraud and scams, as virtual assets can be easily converted into real money.

然而，CFPB 的分析揭示了虛擬環境中加密貨幣詐騙和消費者保護不足的令人不安的趨勢。報告指出，主要遊戲發行商正在考慮將虛擬物品視為加密資產，可以在遊戲內部經濟以外的外部市場上進行交易。這種互聯性增加了詐欺和詐騙的可能性，因為虛擬資產可以輕鬆轉換為真實貨幣。

In crypto-forward virtual worlds such as Decentraland and The Sandbox, crypto tokens can be seamlessly traded on various crypto exchanges for fiat currency. This liquidity and ease of conversion amplify the CFPB's concerns about consumer safety and the proliferation of scams within these digital realms.

在 Decentraland 和 The Sandbox 等加密貨幣前向虛擬世界中，加密代幣可以在各種加密貨幣交易所無縫交易為法定貨幣。這種流動性和易於轉換加劇了 CFPB 對消費者安全和這些數位領域詐騙氾濫的擔憂。

Regulatory Focus on Crypto Transactions

監管重點關注加密貨幣交易

In response to this evolving landscape, the CFPB has proposed a new regulation targeting "larger nonbank companies" that provide services akin to digital wallets and payment applications.

為了應對這種不斷變化的形勢，CFPB 提出了一項針對提供類似於數位錢包和支付應用程式的服務的「大型非銀行公司」的新法規。