CFPB 警告游戏中的加密货币风险并提出新法规

消费者金融保护局 (CFPB) 的报告《视频游戏和虚拟世界中的银行业务》强调了将加密货币集成到游戏平台中的日益增长的趋势。该报告指出，Roblox 和 Fortnite 等热门虚拟世界中的虚拟物品有可能作为加密资产进行交易，引发了人们对欺诈和诈骗的担忧。它还讨论了加密代币在加密资产虚拟世界中越来越多的使用以及将其转换为法定货币的潜力。因此，CFPB 提出了一项新法规，以扩大对提供数字钱包和支付服务的大型非银行公司的监管，旨在弥补监管差距并在不断发展的数字金融环境中保护消费者。

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

游戏领域加密货币激增：CFPB 提出担忧并提出监管框架

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.

华盛顿特区 - 消费者金融保护局 (CFPB) 发布了最新出版物《视频游戏和虚拟世界中的银行业务》，深入研究了游戏中新兴的加密货币领域。这份综合报告揭示了将虚拟游戏环境与现实世界金融交易融合的需求不断增长。

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.

该报告强调了游戏行业的范式转变，开发商越来越多地通过加密货币将虚拟物品与现实世界的价值相结合。 Roblox、Second Life 和 Fortnite 等领先的虚拟世界占据了主导地位，但加密资产虚拟世界因其与第三方交易平台连接的能力而受到关注。该界面允许游戏玩家将虚拟加密资产转换为法定货币，从而给游戏经济带来一层复杂性和潜在风险。

CFPB Warns of Crypto Scams and Inadequate Consumer Protections

CFPB 警告加密诈骗和消费者保护不足

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 的分析揭示了虚拟环境中加密货币诈骗和消费者保护不足的令人不安的趋势。报告指出，主要游戏发行商正在考虑将虚拟物品视为加密资产，可以在游戏内部经济之外的外部市场上进行交易。这种互联性增加了欺诈和诈骗的可能性，因为虚拟资产可以轻松转换为真实货币。

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 等加密货币前向虚拟世界中，加密代币可以在各种加密货币交易所无缝交易为法定货币。这种流动性和易于转换加剧了 CFPB 对消费者安全和这些数字领域诈骗泛滥的担忧。

Regulatory Focus on Crypto Transactions

监管重点关注加密货币交易

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.

为了应对这种不断变化的形势，CFPB 提出了一项针对提供类似于数字钱包和支付应用程序的服务的“大型非银行公司”的新法规。