聯準會卡什卡里：比特幣的消費者困境超過了金融穩定風險

明尼阿波利斯聯邦儲備銀行主席 Neel Kashkari 對比特幣（BTC-USD）表示擔憂，將其視為消費者保護問題，而不是金融穩定風險。他強調了投資者缺乏理解、高波動性、潛在危害以及非法活動和監管顛覆之外的有限用例。卡什卡里將比特幣與豆豆寶寶進行了比較，質疑其內在價值和在先進民主國家的合法性。

Neel Kashkari: Bitcoin Poses Consumer Protection Concerns, Not Financial Stability Risk

Neel Kashkari：比特幣引起消費者保護擔憂，而不是金融穩定風險

Minneapolis Federal Reserve Bank President and CEO Neel Kashkari has opined that Bitcoin (BTC) presents a significant consumer protection issue rather than a systemic financial stability threat.

明尼阿波利斯聯邦儲備銀行行長兼執行長 Neel Kashkari 認為，比特幣 (BTC) 帶來了重大的消費者保護問題，而不是系統性金融穩定威脅。

In a LinkedIn Live conversation with Jennifer Ablan, Editor-in-Chief of Pensions & Investments, Kashkari expressed concern about consumers investing in Bitcoin "not knowing what they're investing in," emphasizing the cryptocurrency's extreme volatility that could expose individuals to severe financial harm.

在與《退休金與投資》雜誌主編Jennifer Ablan 的LinkedIn Live 對話中，Kashkari 表達了對投資比特幣的消費者「不知道自己在投資什麼」的擔憂，並強調加密貨幣的極端波動性可能會讓個人面臨嚴重的財務風險。傷害。

Kashkari highlighted Bitcoin's theoretical potential for a hard cap of zero, drawing a parallel with Beanie Babies, describing them as "no actual utility in the economy, other than being a nice toy that some people enjoy owning and trading."

卡什卡里強調了比特幣硬上限為零的理論潛力，並將其與豆豆寶寶進行了比較，將其描述為「除了成為一些人喜歡擁有和交易的好玩具之外，在經濟中沒有實際用途。”

He further suggested that the only applications he has encountered involve traders attempting to "subvert banking regulations, get around either marijuana banking, or illicit activities."

他進一步表示，他遇到的唯一申請涉及試圖「顛覆銀行法規、繞過大麻銀行或非法活動」的交易員。

Kashkari also drew a comparison to Amazon (AMZN), noting that while some skeptics might have dismissed the company in 1994 due to the absence of online book sales, Amazon has since become a dominant force. However, he emphasized that Bitcoin has been in existence for over a decade, yet it still lacks legitimate use cases in advanced democracies.

Kashkari 也與亞馬遜 (AMZN) 進行了比較，指出雖然 1994 年由於缺乏線上圖書銷售，一些懷疑論者可能對該公司不屑一顧，但自那以後，亞馬遜已成為主導力量。然而，他強調，比特幣已經存在十多年了，但在先進民主國家仍然缺乏合法的用例。

Kashkari's comments underscore the ongoing debate within the financial industry about the risks and potential benefits of cryptocurrencies. While some experts view Bitcoin and other crypto assets as speculative and highly volatile, others believe they represent a transformative innovation with the potential to disrupt traditional financial systems.

卡什卡里的評論凸顯了金融業內關於加密貨幣的風險和潛在收益的持續爭論。雖然一些專家認為比特幣和其他加密資產具有投機性和高度波動性，但其他專家則認為它們代表了一種變革性創新，有可能顛覆傳統金融體系。

The Federal Reserve and other central banks have been closely monitoring the development of cryptocurrencies, and some have taken steps to regulate their use. In the United States, the Securities and Exchange Commission (SEC) has taken a proactive approach to regulating crypto exchanges and assets while remaining cautious about the potential risks.

聯準會和其他央行一直在密切關注加密貨幣的發展，其中一些央行已採取措施規範其使用。在美國，證券交易委員會（SEC）已採取積極主動的方式來監管加密貨幣交易所和資產，同時對潛在風險保持謹慎。

As the cryptocurrency market continues to evolve, further scrutiny from regulators and policymakers is likely to ensure that consumer protection remains a top priority while fostering innovation within the digital asset space.

隨著加密貨幣市場的不斷發展，監管機構和政策制定者的進一步審查可能會確保消費者保護仍然是重中之重，同時促進數位資產領域的創新。