N500m 許可證要求：尼日利亞加密貨幣領導人表示 SEC 旨在扼殺當地公司

Towards the end of 2023, the Central Bank of Nigeria (CBN) lifted the almost three-year-old ban on transactions between banks and crypto exchanges.

到 2023 年底，尼日利亞中央銀行 (CBN) 取消了近三年的銀行與加密貨幣交易所之間的交易禁令。

Not long after the announcement was made, the CBN approved the Africa Stablecoin Consortium (ASC) to pilot a cNGN token. Per the announcement, this token, which is expected to be launched by February 24, will be pegged 1:1 to the Nigerian naira and will be backed by Naira reserves held in designated commercial banks. 

公告發布後不久，CBN 批准非洲穩定幣聯盟（ASC）試點 cNGN 代幣。根據公告，該代幣預計將於 2 月 24 日推出，將與尼日利亞奈拉 1:1 掛鉤，並由指定商業銀行持有的奈拉儲備提供支援。

Also, reports emerged that following the lift of the CBN restrictions, crypto companies that intend to play in the Nigerian crypto industry would have to cough out a minimum upfront capital requirement of 500 million naira ($556,620) to be licensed. As expected, stakeholders, players and enthusiasts have taken different approaches to this issue.

此外，有報告指出，在 CBN 限制解除後，打算進入尼日利亞加密貨幣行業的加密貨幣公司將必須支付最低 5 億奈拉（556,620 美元）的前期資本要求才能獲得許可。正如預期的那樣，利害關係人、玩家和愛好者對這個問題採取了不同的方法。

Related post:

相關貼文：

With the CBN ban lifted, here are Top 5 crypto exchanges Nigerians can transact with in 2024

隨著 CBN 禁令的解除，以下是 2024 年尼日利亞人可以進行交易的前 5 家加密貨幣交易所

Now in a conversation with Technext, prominent experts and thought leaders in the burgeoning Nigerian blockchain industry, Obinna Iwuno (President of Stakeholders in Blockchain Association of Nigeria), Nathaniel Luz (CMO of Flincap) and Chris Ani (CEO of DABA), have reacted to these concerns.

現在，在與Technext 的對話中，新興尼日利亞區塊鏈行業的著名專家和思想領袖Obinna Iwuno（尼日利亞區塊鏈協會利益相關者主席）、Nathaniel Luz（Flincap 首席行銷長）和Chris Ani（DABA 首席執行官）做出了反應對於這些擔憂。

Lift of restrictions, a welcome development 

取消限制，可喜的發展

According to Obinna Iwuno, president of SiBAN, this is the beginning of victory but it’s not yet “Uhuru.”

SiBAN 主席 Obinna Iwuno 表示，這是勝利的開始，但還不是「Uhuru」。

“You cannot build an industry in a day, it’s step by step. What CBN has done is a good step in the right direction. It sends a positive message to the global community about Nigeria, especially in the blockchain industry.”

「一個產業不可能一天建成，需要一步一步來。第一財經所做的事情是朝著正確的方向邁出了良好的一步。它向國際社會發出了關於尼日利亞的積極信息，特別是在區塊鏈行業。”

Chris Ani, one of the loudest voices in the Nigerian crypto industry shares a similar sentiment. 

尼日利亞加密貨幣行業最響亮的聲音之一克里斯·阿尼 (Chris Ani) 也有類似的看法。

“I wouldn’t say it is freedom yet because we’re still not clear on all the regulations. I think there are some strict guidelines there. But it’s a welcome development despite the fact it’s still not so clear. So let’s just give them an average pass mark on that.”

「我還不會說這是自由，因為我們仍然不清楚所有的規定。我認為那裡有一些嚴格的指導方針。但這是一個值得歡迎的發展，儘管事實上還不太清楚。所以我們就給他們打個平均及格分吧。”

Now that the embargo has been lifted, Obinna Iwuno expects CBN to roll out infrastructures and guidelines to that effect. Obinna is of the opinion that if the eNaira is made open-source and made available as a payment gateway on Nigerian crypto exchanges, it would foster more adoption and acceptance.

現在禁運已經解除，Obinna Iwuno 預計 CBN 將為此推出基礎設施和指導方針。 Obinna 認為，如果 eNaira 開源並作為尼日利亞加密貨幣交易所的支付網關，將促進更多的採用和接受。

The 500 million naira license requirement 

5億奈拉的許可證要求

In May 2022, the Nigerian SEC published a 54-page document titled “New Rules on Issuance, Offering Platforms and Custody of Digital Assets.” 

2022 年 5 月，奈及利亞 SEC 發布了一份長達 54 頁的文件，標題為「數位資產發行、提供平台和託管新規則」。

Per the document, crypto exchanges must obtain a virtual asset service provider (VASP) license from the SEC by complying with the requirements of application processing, a registration fee and other applicable fees.

根據文件，加密貨幣交易所必須遵守申請處理、註冊費和其他適用費用的要求，從 SEC 獲得虛擬資產服務提供者（VASP）許可證。

Now that CBN has lifted the restrictions, with emphasis on obtaining licenses, crypto companies now have to comply with the minimum upfront capital requirement of 500 million naira ($556,620).

現在 CBN 已經取消了限制，重點是獲得許可證，加密貨幣公司現在必須遵守 5 億奈拉（556,620 美元）的最低前期資本要求。

Read also:

另請閱讀：

CBN lifting the crypto ban and what it means for Nigerian crypto users

CBN 取消加密貨幣禁令及其對尼日利亞加密貨幣用戶意味著什麼

Although many commentators think local exchanges cannot afford to pay that amount, Nathaniel Luz, CMO of Flincap says it is a plus to the Nigerian industry in the sense that it moves the conversation away from the banning of crypto to legalising it around some parameters. 

儘管許多評論員認為當地交易所無法支付這筆費用，但Flincap 首席行銷長Nathaniel Luz 表示，這對奈及利亞產業來說是一個優勢，因為它將話題從禁止加密貨幣轉向圍繞某些參數使其合法化。

“However, these parameters will need to be constantly reviewed and evaluated so that they remain flexible and support the growth of startups in the industry.” Nathaniel Luz said.

“然而，這些參數需要不斷審查和評估，以保持靈活性並支持行業初創企業的成長。”納撒尼爾·盧茲說。

Chris Ani, who is vocal about his dissatisfaction with the Nigeria SEC sees it differently. Chris believes the SEC is not a strong entity when it comes to the role the entity should play in the digital sector. 

克里斯·阿尼 (Chris Ani) 直言不諱地表達了他對尼日利亞 SEC 的不滿，但他有不同的看法。克里斯認為，就實體應在數位領域中發揮的作用而言，美國證券交易委員會並不是一個強大的實體。

By his assessment, the Nigeria SEC has not been as vehement in the stock market which has always been riddled with insider trading and other financial malpractices. 

根據他的評估，尼日利亞證券交易委員會對股市的態度並不那麼激烈，股市一直充斥著內線交易和其他金融舞弊行為。

“There are technologies that would bring onboard to facilitate better transaction and user experience, but they’re not doing it. The same SEC that can’t fix an existing stock market for years is now coming to talk about digital currency,” he said.

「有些技術可以促進更好的交易和用戶體驗，但他們沒有這樣做。多年來無法修復現有股市的美國證券交易委員會現在開始談論數位貨幣，」他說。

Chris Ani stated that the 500 million naira requirement by the SEC is absurd and only foreign companies will benefit. In his opinion, regulation or no regulation would never stop certain occurrences in the financial markets.

Chris Ani表示，SEC提出的5億奈拉的要求是荒謬的，只有外國公司才會受益。在他看來，監管或不監管都無法阻止金融市場的某些事件發生。

“At the end of the day, humans will still be human. It is the best practice we should try to encourage. But trying to stifle a little guy who built a p2p platform from WhatsApp, to build a website, and telling him to bring 500 million, makes no sense.”

「到最後，人類仍然是人類。這是我們應該鼓勵的最佳實踐。但試圖扼殺一個從WhatsApp建立p2p平台的小傢伙，建立一個網站，並告訴他帶來5億，這是沒有意義的。”

Chris Ani has a grouse with the regulation SEC is bringing, and believes that self-regulation is the way to go. 

克里斯·阿尼 (Chris Ani) 對 SEC 提出的監管表示不滿，並認為自我監管是正確的出路。

Obinna Iwuno, on the other hand, thinks the first focus of the authorities should be to protect and enable the local industry and anything apart from that approach is hurting the local economy.

另一方面，Obinna Iwuno 認為當局的首要重點應該是保護和促進當地產業的發展，除此之外的任何做法都會損害當地經濟。

“What sort of fee is affordable for our local industry? In other countries, we have frameworks like that to differentiate between indigenous players and foreign players.”

「我們當地的產業可以負擔什麼樣的費用？在其他國家，我們有類似的框架來區分本土參與者和外國參與者。”

Setting outrageous amounts as a requirement is making operations difficult for local companies, empowering foreign companies to penetrate. 

將金額設定為高得離譜的要求，使本土公司的營運變得困難，使外國公司能夠滲透進來。

“We will be hurting our local sector in the long run and we will be shortchanging ourselves. It’s important to look at it critically in the interest of the local economy. What is available is not yet clear, but what should be brought out should be favourable to the local economy.” – Obinna Iwuno, president of SiBAN.

「從長遠來看，我們將損害我們當地的行業，並且我們將欺騙自己。為了當地經濟的利益，必須批判性地看待它。能提供什麼還不清楚，但應該拿出來的是有利於當地經濟的。” – Obinna Iwuno，SiBAN 主席。

cNGN development 

cNGN發展

According to reports, the cNGN serves as a complement, not a substitute, for the eNaira. Also, the stablecoin is currently interoperable with strategic blockchains like Bantu and BNB Smart Chain, with plans to extend compatibility to all major blockchain networks soon.

據報導，cNGN 是 eNaira 的補充，而不是替代。此外，該穩定幣目前可與 Bantu 和 BNB 智慧鏈等戰略區塊鏈互操作，並計劃很快將相容性擴展到所有主要區塊鏈網路。

Chris Ani thinks cNGN is a welcome innovation. 

Chris Ani 認為 cNGN 是一項受歡迎的創新。

“When it launches, let’s see how it operates. According to the way some people have described it, it’s going to be like another Moniepoint, addressing the problem of NIPPS.”

「當它啟動時，讓我們看看它是如何運作的。根據一些人的描述，它將像另一個 Moniepoint 一樣，解決 NIPPS 的問題。”

Obinna Iwuno doesn’t think the restrictions were lifted because of the introduction of cNGN as it is being echoed in some quarters.

Obinna Iwuno 不認為限制會因為 cNGN 的引入而被取消，因為某些方面對此也有回應。

“The moves were not about cNGN. And if cNGN accelerated the lift of restriction, that would be beautiful and fantastic. But we cannot attribute that the lift was solely because of it.”

「這些舉動與 cNGN 無關。如果 cNGN 加速解除限制，那將是美好而美妙的。但我們不能將升力歸因於它。”

When will Nigerian crypto companies bounce back?

尼日利亞加密貨幣公司何時會反彈？

Since CBN placed the ban in February 2021, a handful of unpalatable occurrences have come up in the global and Nigerian crypto space.

自 CBN 於 2021 年 2 月發布禁令以來，全球和奈及利亞加密貨幣領域出現了一些令人不快的事件。

The industry has witnessed a severe bear market, Terra and FTX crashes, hacks, losses and other unfavourable conditions. However,  it is believed that 2024 will bring better tidings for the nascent industry.

該行業經歷了嚴重的熊市、Terra 和 FTX 崩潰、駭客攻擊、損失和其他不利情況。不過，相信 2024 年將為這個新興產業帶來更好的消息。

Chris Ani believes that the positives ahead are still huge.

克里斯·阿尼 (Chris Ani) 相信，未來的積極因素仍然巨大。

“The ones who have survived the last two years, I believe the future holds big for them. I expect a better revenue base, more increased transactions and profitability at the end of the day.”

「對於那些在過去兩年中倖存下來的人，我相信他們的未來充滿希望。我預計最終會有更好的收入基礎、更多的交易和盈利能力。”

In his opinion, the best way to regain trust is to start having more transparent companies. 

在他看來，重新獲得信任的最佳方式是開始擁有更透明的公司。

“Start having more solid practices. Have cybersecurity upgraded and have policies in place for security checkboxes and all that.  More education and transparency.”

「開始進行更紮實的練習。升級網路安全並制定安全複選框等策略。更多的教育和透明度。”

Nathaniel Luz, CMO of Flincap warns regulators ahead. According to him:

Flincap 首席行銷長 Nathaniel Luz 向監管機構發出警告。按照他的說法：

“2024 is a new day for startups in the industry. We’re going to witness the birth of new startups solving global problems with crypto. The regulators would need to be proactive so as not to stifle these innovations as had happened in the past.”

「2024 年對於該行業的新創公司來說是新的一天。我們將見證用加密貨幣解決全球問題的新創公司的誕生。監管機構需要積極主動，以免像過去那樣扼殺這些創新。”