CFPB 对加密货币游戏发出危险信号

消费者金融保护局（CFPB）发布了一份关于以加密货币为中心的游戏的报告，表达了对虚拟环境中的诈骗和消费者保护不足的担忧。该报告强调了游戏创作者通过加密资产将虚拟物品与现实世界价值联系起来的日益增长的趋势，尽管它们在主流游戏平台上的存在有限。 CFPB强调加密资产虚拟世界的重要性，虚拟资产可以在外部平台上转换为法定货币。该机构指出，网络游戏和虚拟世界缺乏传统的银行保护，收到有关黑客攻击、账户盗窃和资产损失的投诉。

Consumer Financial Protection Bureau Raises Concerns over Crypto-Centric Gaming

消费者金融保护局对以加密货币为中心的游戏表示担忧

Washington, D.C. - The Consumer Financial Protection Bureau (CFPB) has issued a comprehensive report titled "Banking in Video Games and Virtual Worlds," expressing concerns about the proliferation of crypto-centric gaming and the potential risks it poses to consumers.

华盛顿特区 - 消费者金融保护局 (CFPB) 发布了一份题为“视频游戏和虚拟世界中的银行业务”的综合报告，表达了对以加密货币为中心的游戏扩散及其给消费者带来的潜在风险的担忧。

The report highlights a growing trend among game developers to integrate virtual items with cryptocurrencies, creating novel virtual economies that blur the lines between real-world finance and in-game purchases. While crypto's presence in mainstream gaming platforms like Roblox and Fortnite remains relatively limited, it is gaining traction in niche virtual worlds.

该报告强调了游戏开发商将虚拟物品与加密货币相结合的趋势，创造了新颖的虚拟经济，模糊了现实世界金融和游戏内购买之间的界限。虽然加密货币在 Roblox 和 Fortnite 等主流游戏平台中的存在仍然相对有限，但它在利基虚拟世界中正在获得吸引力。

Despite the nascent nature of crypto-asset virtual worlds, the CFPB emphasizes their significance due to the emergence of third-party trading platforms that enable users to convert virtual assets into fiat currency. This enhanced liquidity beyond conventional gaming markets has piqued the interest of major gaming publishers, who are exploring the potential of positioning virtual items as crypto-assets that can be traded outside the confines of the game's economy.

尽管加密资产虚拟世界才刚刚起步，但 CFPB 强调了其重要性，因为第三方交易平台的出现使用户能够将虚拟资产转换为法定货币。这种超越传统游戏市场的流动性增强激起了主要游戏发行商的兴趣，他们正在探索将虚拟物品定位为可以在游戏经济范围之外进行交易的加密资产的潜力。

"Notably, some of the largest virtual gaming world publishers have expressed growing interest in positioning their virtual items as crypto-assets that have the ability to be traded outside of the game's economy," the report states.

报告指出：“值得注意的是，一些最大的虚拟游戏世界发行商越来越有兴趣将其虚拟物品定位为能够在游戏经济之外进行交易的加密资产。”

The CFPB notes that crypto assets in virtual environments like Decentraland and The Sandbox can be exchanged for fiat currency on external cryptocurrency platforms, raising concerns about the potential for financial fraud and market manipulation.

CFPB 指出，Decentraland 和 The Sandbox 等虚拟环境中的加密资产可以在外部加密货币平台上兑换为法定货币，这引发了人们对潜在的金融欺诈和市场操纵的担忧。

"The concerns raised by the CFPB are significant and warrant close scrutiny," said Alexander Grieve, government affairs lead at Paradigm. "Reports such as this one could signal upcoming regulatory actions, as federal agencies seek to define their roles in the rapidly evolving cryptosphere."

Paradigm 政府事务负责人 Alexander Grieve 表示：“CFPB 提出的担忧非常严重，值得密切关注。” “像这样的报告可能预示着即将采取的监管行动，因为联邦机构试图确定自己在快速发展的加密领域中的角色。”

The CFPB also highlights the growing similarities between online video games and virtual worlds and traditional banking systems, particularly in terms of monetary transactions and asset storage. However, these virtual environments often lack the same level of consumer protections as traditional financial institutions.

CFPB 还强调了在线视频游戏和虚拟世界与传统银行系统之间日益增长的相似性，特别是在货币交易和资产存储方面。然而，这些虚拟环境往往缺乏与传统金融机构相同水平的消费者保护。

"Consumers have reported experiencing hacking attempts, account theft, and asset loss within games, and have expressed dissatisfaction with the lack of support from gaming companies," the report states.

报告指出：“消费者报告称，他们在游戏中遭遇过黑客攻击、账户被盗和资产丢失，并对缺乏游戏公司的支持表示不满。”

CFPB Director Rohit Chopra has emphasized the increasing prevalence of Americans converting billions of dollars into digital currencies for gaming purposes. As banking and payments services migrate to virtual realms, the CFPB aims to safeguard consumers from fraud and financial exploitation.

CFPB 主任罗希特·乔普拉 (Rohit Chopra) 强调，美国人越来越普遍地将数十亿美元兑换成数字货币用于游戏目的。随着银行和支付服务迁移到虚拟领域，CFPB 旨在保护消费者免受欺诈和金融剥削。

To this end, the CFPB has introduced a proposed rule titled "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications." This rule would grant the agency oversight over "larger nonbank firms" providing digital wallet and payment app services.

为此，CFPB 提出了一项名为“定义通用数字消费者支付应用市场的更大参与者”的拟议规则。该规则将授予该机构对提供数字钱包和支付应用程序服务的“大型非银行公司”的监督权。

Nonbank financial entities processing over five million transactions annually would be required to adhere to regulations akin to those imposed on major banks and credit unions. While the 62-page rule makes minimal references to cryptocurrency, critics contend that it "asserts authority over cryptocurrency" in an overly broad and potentially inappropriate manner.

每年处理超过 500 万笔交易的非银行金融实体将被要求遵守类似于对主要银行和信用合作社实施的法规。虽然 62 页的规则对加密货币的提及很少，但批评者认为，它以过于宽泛且可能不恰当的方式“主张对加密货币的权威”。

The CFPB's report and proposed rule reflect the agency's growing focus on cryptocurrencies and their potential impact on consumers. As the virtual gaming and crypto industries continue to converge, the CFPB is likely to play a significant role in shaping the regulatory landscape for this emerging sector.

CFPB 的报告和拟议规则反映出该机构越来越关注加密货币及其对消费者的潜在影响。随着虚拟游戏和加密货币行业不断融合，CFPB 可能会在塑造这一新兴行业的监管格局方面发挥重要作用。