N500m 许可证要求：尼日利亚加密货币领导人表示 SEC 旨在扼杀当地公司

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，尼日利亚中央银行 (CBN) 取消了近三年之久的银行与加密货币交易所之间的交易禁令。

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. 

公告发布后不久，CBN 批准非洲稳定币联盟（ASC）试点 cNGN 代币。根据公告，该代币预计将于 2 月 24 日推出，将与尼日利亚奈拉 1:1 挂钩，并由指定商业银行持有的奈拉储备提供支持。

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，有报道称，在 CBN 限制解除后，打算进入尼日利亚加密货币行业的加密货币公司将必须支付最低 5 亿奈拉（556,620 美元）的前期资本要求才能获得许可。正如预期的那样，利益相关者、玩家和爱好者对这个问题采取了不同的方法。

Related post:

相关帖子：

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

随着 CBN 禁令的解除，以下是 2024 年尼日利亚人可以进行交易的前 5 家加密货币交易所

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.

现在，在与 Technext 的对话中，新兴尼日利亚区块链行业的著名专家和思想领袖 Obinna Iwuno（尼日利亚区块链协会利益相关者主席）、Nathaniel Luz（Flincap 首席营销官）和 Chris Ani（DABA 首席执行官）做出了反应对于这些担忧。

Lift of restrictions, a welcome development 

取消限制，可喜的发展

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，这是胜利的开始，但还不是“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.”

“一个行业不可能一天建成，需要一步一步来。第一财经所做的事情是朝着正确的方向迈出了良好的一步。它向国际社会发出了关于尼日利亚的积极信息，特别是在区块链行业。”

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

尼日利亚加密货币行业最响亮的声音之一克里斯·阿尼 (Chris Ani) 也有类似的看法。

“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.”

“我还不会说这是自由，因为我们仍然不清楚所有的规定。我认为那里有一些严格的指导方针。但这是一个值得欢迎的发展，尽管事实上还不太清楚。所以我们就给他们打个平均及格分吧。”

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.

现在禁运已经解除，Obinna Iwuno 预计 CBN 将为此推出基础设施和指导方针。 Obinna 认为，如果 eNaira 开源并作为尼日利亚加密货币交易所的支付网关，将促进更多的采用和接受。

The 500 million naira license requirement 

5亿奈拉的许可证要求

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，尼日利亚 SEC 发布了一份长达 54 页的文件，标题为“数字资产发行、提供平台和托管新规则”。

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.

根据该文件，加密货币交易所必须遵守申请处理、注册费和其他适用费用的要求，从 SEC 获得虚拟资产服务提供商（VASP）许可证。

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).

现在 CBN 已经取消了限制，重点是获得许可证，加密货币公司现在必须遵守 5 亿奈拉（556,620 美元）的最低前期资本要求。

Read also:

另请阅读：

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

CBN 取消加密货币禁令及其对尼日利亚加密货币用户意味着什么

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. 

尽管许多评论员认为当地交易所无力支付这笔费用，但 Flincap 首席营销官 Nathaniel Luz 表示，这对尼日利亚行业来说是一个优势，因为它将话题从禁止加密货币转向围绕某些参数使其合法化。

“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，这些参数需要不断审查和评估，以保持灵活性并支持行业初创企业的成长。”纳撒尼尔·卢兹说道。

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) 直言不讳地表达了他对尼日利亚 SEC 的不满，但他却有不同的看法。克里斯认为，就实体应在数字领域发挥的作用而言，美国证券交易委员会并不是一个强大的实体。

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. 

根据他的评估，尼日利亚证券交易委员会对股市的态度并不那么激烈，股市一直充斥着内幕交易和其他金融舞弊行为。

“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.

“有些技术可以促进更好的交易和用户体验，但他们没有这样做。多年来无法修复现有股市的美国证券交易委员会现在开始谈论数字货币，”他说。

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5亿奈拉的要求是荒谬的，只有外国公司才会受益。在他看来，监管或不监管都无法阻止金融市场的某些事件发生。

“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.”

“到最后，人类仍然是人类。这是我们应该鼓励的最佳实践。但试图扼杀一个从WhatsApp建立p2p平台的小家伙，建立一个网站，并告诉他带来5亿，这是没有意义的。”

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) 对 SEC 提出的监管表示不满，并认为自我监管是正确的出路。

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 认为当局的首要重点应该是保护和促进当地工业的发展，除此之外的任何做法都会损害当地经济。

“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.”

“我们当地的行业可以承受什么样的费用？在其他国家，我们有类似的框架来区分本土参与者和外国参与者。”

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

将金额设定为高得离谱的要求，使本土公司的运营变得困难，从而使外国公司能够渗透进来。

“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.

“从长远来看，我们将损害我们当地的行业，并且我们将欺骗自己。为了当地经济的利益，必须批判性地看待它。能提供什么还不清楚，但应该拿出来的是有利于当地经济的。” – Obinna Iwuno，SiBAN 主席。

cNGN development 

cNGN发展

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.

据报道，cNGN 是 eNaira 的补充，而不是替代。此外，该稳定币目前可与 Bantu 和 BNB 智能链等战略区块链互操作，并计划很快将兼容性扩展到所有主要区块链网络。

Chris Ani thinks cNGN is a welcome innovation. 

Chris Ani 认为 cNGN 是一项受欢迎的创新。

“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.”

“当它启动时，让我们看看它是如何运作的。根据一些人的描述，它将像另一个 Moniepoint 一样，解决 NIPPS 的问题。”

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 并不认为限制会因为 cNGN 的引入而被取消，因为某些方面对此也有回应。

“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.”

“这些举动与 cNGN 无关。如果 cNGN 加速解除限制，那将是美好而美妙的。但我们不能将升力归因于它。”

When will Nigerian crypto companies bounce back?

尼日利亚加密货币公司何时会反弹？

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 于 2021 年 2 月发布禁令以来，全球和尼日利亚加密货币领域出现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.

该行业经历了严重的熊市、Terra 和 FTX 崩溃、黑客攻击、损失和其他不利情况。不过，相信 2024 年将为这个新兴行业带来更好的消息。

Chris Ani believes that the positives ahead are still huge.

克里斯·阿尼 (Chris Ani) 相信，未来的积极因素仍然巨大。

“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.”

“对于那些在过去两年中幸存下来的人，我相信他们的未来充满希望。我预计最终会有更好的收入基础、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. 

在他看来，重新获得信任的最佳方式是开始拥有更加透明的公司。

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

“开始进行更扎实的练习。升级网络安全并制定安全复选框等策略。更多的教育和透明度。”

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

Flincap 首席营销官 Nathaniel Luz 向监管机构发出警告。按照他的说法：

“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 年对于该行业的初创企业来说是新的一天。我们将见证用加密货币解决全球问题的新初创公司的诞生。监管机构需要积极主动，以免像过去那样扼杀这些创新。”