米国上院議員ウォーレンは、暗号通貨取引所の停止に対処するためにSECに圧力をかけます, 高い取引手数料, 金融包摂

米国上院議員ウォーレンは、暗号通貨取引所の停止に対処するためにSECに圧力をかけます, 高い取引手数料, 金融包摂

At the U.S. Senate Banking Committee hearing Tuesday, Senator Elizabeth Warren called on the chairman of the Securities and Exchange Commission (SEC), ゲイリー・ゲンスラー, to increase oversight of cryptocurrency. She brought up several problems she associates with cryptocurrency that could hurt small investors.

Senator Elizabeth Warren SaysTheres a Whole List of Problems With Crypto

私たち. Senator Elizabeth Warren questioned U.S. 証券取引委員会 (SEC) Chairman Gary Gensler about several issues regarding cryptocurrency at the Senate Banking Committee hearing Tuesday.

The senator from Massachusetts began by noting that last Tuesday, “In a matter of hours, $400 billion in market value disappeared.She then pointed out that as the prices of cryptocurrencies tumbled, “several of the biggest crypto exchanges had outages, which kept customers from making withdrawals or trades.

Questioning how this affects small retail investors, “who dont have a lot of money to lose,” Warren described a hypothetical situation. “Lets say that last Monday I took out the last sliver of my savings. I went on the crypto exchange Coinbase. I bought $100 worth of ether. Then I woke up early on Tuesday morning, I saw that the market looked like it was beginning to tank, and I thought I better sell right now,” 彼女は言いました, 追加:

But when I tried to sell, Coinbase, the exchange, was down. そう, Chair Gensler, was there anything I could do to get my money out?

Gensler replied: “Not at a federal agency because they [Coinbase] havent yet registered with us, even though they have dozens of tokens that may be securities.

Senator Warren then described another hypothetical situation. “Instead of buying ether on Coinbase last Monday, I decided instead to put that $100 towards buying a new, cool tokenlets call itnew coin’ — that was being hyped on Twitter,” she detailed. “New coin is available only on adecentralized’ 暗号交換, so to buy it I had to pay a fee, 約 $20, to the crypto miners who processed the transactionsThen of course I woke up on Tuesday morning and the market was tanking.

She asked Gensler how much she would have to pay the exchange to sell her coins and get back into dollars fast, 述べる:

How much would I have to pay to get out of defi on Tuesday to sell my coins. Would I have had to pay a second $20 fee or might I have had to pay even more?

The SEC chairman promptly replied, “私はしない’t know because it will be all in the user agreement.He added that many platformsare only decentralized in name only,” citing thatThere is a user agreement. Theres something you are doing with this platform. Theres a governance token. Theres usually some fees.

While the SEC chairman stated that he does not know what fee a particular exchange charges, Senator Warren brought up network fees.

We do know some of the fees from last Tuesday. The fee to swap between two crypto tokens on the Ethereum network was more than $500, obviously way more than the $100 I was trying to trade in the first place,” she exclaimed, noting:

The question I have is, in the face of these high, predictable fees, small investors could easily get jammed and wiped out entirely.

Senator Warren then asserted that cryptocurrency is not a path to financial inclusion. “Chair Gensler, advocates say crypto markets are all about financial inclusion. But the people who are most economically vulnerable are the ones who are most likely to have to withdraw their money the fastest when the market drops. Does this sound like a path to financial inclusion to you?”

Gensler replied: “これ’s a highly speculative asset class. It doesnt sound like the path that you mentioned.

Warren continued:

Theres a whole list of problems with crypto: unreliable tech, scams, devastating climate impact. But high, unpredictable fees can make crypto trading really dangerous for people who arent rich.

She concluded, “Regulators need to step up to address crypto regulatory gaps,” 強調する, “Chair Gensler, I expect you and the SEC to take a leading role in getting this done.

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