This week, regulatory bodies the world over brought us good news when it comes to regulatory clarity. Ethereum is getting closer to evolving into a more secure, scalable version of itself and the EU just witnessed its first tokenization of a public limited company, courtesy of German FinTech company Agora Innovation. And blockchain solutions have a substantial forecasted growth in investments while whiskey may very well prove to be a solid, appreciative tokenized asset for investors. This is the news we’re covering this week, and for this week’s issuance platform research report, we are providing you insight into US-based company Securrency, which you can find here, along with more market and digital securities insights and analyses, on our site.

一周新闻速览：

1、全球市场在监管明确性方面有了新的进展；

2、以太坊正稳步推出安全性与扩展度更高的版本；

3、德国金融科技公司Agora Innovation 完成了欧盟范围内的首个公共有限公司的注册股权数字化操作；

4、投资领域中的区块链解决方案实现了可观的预期增长；

5、威士忌上链为消费者们提供了一种值得信赖的高增值数字资产。

本周RedbBlock研究院发行平台概况系列带大家了解了美国公司Securrency的基本情况，相关报道现已在我们的官方网站正式上线，此外还有诸多其他有关数字资产市场、行情分析等相关报告，敬请阅览。

 

 

Regulatory News 监管动态

 

1.  A Consensus on Regulation in the US 美国监管达成共识

This week, bank regulators in 49 states, as well as in Washington D.C. and Puerto Rico, drastically simplified the regulatory process by agreeing on a single set of rules and standards for FinTech and Crypto firm licensing across those states. “State-licensed money transmitters like Coinbase [can now] work across multiple states, instead of going through the time and expense of getting regulated in each and every one”.  This will have a huge effect on money service businesses (MSBs), including giants like Western Union and PayPal, “that move a reported $1 trillion annually”. (coindesk)(Reuters)

本周，美国49个州及华盛顿和波多黎各的银行监管机构就金融科技和加密公司的许可规则和监管标准达成一致，大大简化了监管流程。“像Coinbase这样已经取得州级牌照的货币交易平台(现在)可以跨州开展业务而无需在各州再花费时间和金钱去获得许可。” 这将对包括西联汇款(Western Union)和贝宝(PayPal)等巨头在内的货币服务企业(MSBs)产生巨大影响， “据报道，行业巨头们每年经手的交易额就高达1万亿美元”。(coindesk)(路透社)

 

2.  A Call for Setting Standards for Stablecoins in the Eurozone 

呼吁为欧元区稳定币制定监管标准

Finance ministers from Germany, France, Italy, Spain and the Netherlands have urged the EU Commission to regulate stablecoins.  That is to say, this is part of a belief by those ministers and their governments that “private stablecoin providers [need] to adhere to European regulation and should not be allowed to operate in the bloc if they fall below a certain standard”. This, to avoid other digital currencies challenging the Euro. (coindesk)

德国、法国、意大利、西班牙以及荷兰的财务部长们纷纷敦促欧盟委员会出台稳定币监管政策。也就是说，上述国家的部长及政府官员坚信“私人稳定币供应商们（需要）遵循欧洲监管规定，否则将不被准许在欧洲范围内提供服务”。 此项提议旨在避免其他数字货币对欧元地位形成威胁。(coindesk)

 

3.  The Nigerian SEC Makes A Definitive Decision on Tokens and Cryptocurrencies

尼日利亚证券交易委员会对数字证券和加密货币做出最终决定

Regulatory oversight makes itself present in the use of tokens and coins in the Nigerian economy, as its Securities and Exchange Commission defined them as securities, definitively.  This comes as Nigerian citizens are showing massive interest in cryptocurrencies.  In fact, “according to Google Trends, the country consistently ranks first worldwide in online searches for ‘Bitcoin’”.  Nigeria, along with South Africa and Ghana, account for $316 million in monthly crypto transfers.  Of course, this amount will only grow, as regulatory clarity was just handed down by the Nigerian SEC, and because Nigeria leads, if only in a quantitative sense, in the use of crypto, other countries on the African continent are likely to follow. (Cointelegraph)

随着尼日利亚证券交易委员会最终正式将数字证券和加密货币划归为证券类金融工具，监督监管逐渐在其经济社会的应用中崭露头角。尼日利亚公民也开始对加密货币表现出了极大的投资兴趣。实际上，“根据谷歌搜索趋势统计，尼日利亚始终是全球‘比特币’在线搜索量最高的国家。”据悉，尼日利亚、南非和加纳三个国家每月的加密货币转帐金额高达3.16亿美元。毋庸置疑的是，随着尼日利亚证券交易委员会刚刚发布了明确的监管规定，这一数额只会与日俱增。尼日利亚在加密货币采用量方面的遥遥领先很可能会激发其他非洲国家对加密货币积极采用的步伐。(Cointelegraph)

 

Industry News 行业要闻

 

1.  A Step Closer to Ethereum 2.0 

以太坊2.0指日可待

One of the big problems plaguing Ethereum is the issue of block space, which causes fees to skyrocket.  Which is why it is welcome news that Ethereum 2.0, which boasts sharding, “a method of splitting data into multiple fragments, or shards,  with the result of lessening the load on the network”, has moved closer to launch this week with its first phase, called “Phase 0”, being formally submitted for approval.  While it will be the Phase 1 rollout, not Phase 0, that will bring sharding to Ethereum users, Phase 0 will bring with it a new proof-of-stake chain, validating and thus making for more secure transactions on the Ethereum network. Phase 1 is, however, slated for a release this year as well. (Decrypt)

困扰以太坊的一个主要问题是会导致费用飙升的区块空间问题。这也是以太坊2.0备受关注和期待的主要原因。区块链2.0将采用“一种将数据分割成多个片段或碎片的方法以减少网络负载。”而随着被称为“0阶段”的第一阶段正式提交审批，区块链2.0离推出更近了一步。虽然切分过程将在1阶段才会出现，但0阶段将为以太坊用户带来一个全新的权益证明链用于验证并因此提升以太坊网络交易的安全性。据悉，以太坊2.0的第1阶段也将于今年发布。(Decrypt)

 

2. Inroads Being Made on Tokenization of Company Shares in the European Union 

欧盟企业股份数字化进程的最新进展

 

In a first for the European Economic Area, registered shares of a public limited company will be tokenized. German FinTech company Agora Innovation is using its iVE.ONE platform to tokenize shares of WeStyle AG, a company which provides workspaces for those in the beauty industry.  The big win here for WeStyle is the extension of “the existing Ethereum ERC-20 standard with voting functionality and [its link] to... regulatory infrastructure to comply with the legal framework”, allowing shareholder resolutions and compliance/regulatory processes to be streamlined, enabling faster company growth. (The Tokenizer)

在欧洲经济区，公共有限公司的注册股份将被执行数字化操作。德国金融科技公司Agora Innovation利用其iVE.ONE 平台完成了WeStyle AG公司的股权数字化操作，后者是一家专为美容行业人士提供工作空间的公司。WeStyle最大的优势是扩展了“现有以太坊ERC-20标准的投票功能和链接，且其监管基础设施符合法律监管规定”从而简化股东决议和合规/监管流程，有利于加快公司增长。(The Tokenizer)

 

Investment and Financing Developments 投融资进展

 

1. The Sky's the Limit for the Growth of Blockchain Solutions 

区块链解决方案的发展前景不可估量

As mounting adoption of the blockchain sees more and more weight thrown behind the fintech solution- such as companies like Blockchange and Gemini providing a platform for RIAs to utilize digital assets, citing better returns and less risk, or famous properties such as the St. Regis Aspen becoming available for tokenized ownership- it's also important to look forward to just how much more the industry will grow.  According to a report by the International Data Corporation Worldwide Blockchain Spending Guide, “blockchain spending will continue to grow at a robust pace throughout the forecast period with a five-year compound annual growth rate (CAGR) of 46.4%, reaching a total of nearly $17.9 billion in 2024.”

随着区块链用例的不断增长，其采用量已远远超过了金融科技解决方案采用量。鉴于其拥有更高的收益和更低的风险，诸如Blockchange 和 Gemini一类的公司纷纷选择为RIA们提供数字资产采用平台，而像St. Regis Aspen这样的知名地产商也已引入了数字所有权 。因而积极关注这一行业的发展趋势就显得尤为重要。根据全球数据公司全球区块链支出指南（the International Data Corporation Worldwide Blockchain Spending Guide）发表的报告显示：“区块链支出在整个预测期间将继续保持强劲地增长态势，5年复合年增长率(CAGR)约为46.4%，预计2024年整个行业的估值将约合179亿美元左右。”

 

 

This report also tells us that multiple blockchain use cases will see a substantial increase in investment, the most substantial of which will be “ cross-border payments & settlements; lot lineage/provenance; and trade finance & post-trade/transaction settlements.” The distinction of having the fastest growth will go to asset/goods management and trade finance & post-trade/transaction settlements. Read the full story (linked in the references section at the end) on Yahoo! Finance as it gives a great quantitative summary of what we can expect in terms of the future of investing in the blockchain. (Yahoo! Finance)

该报告还指出诸多区块链用例将迎来大幅投资增长，其中增长最显著的将是“跨境支付与结算；溯源；贸易融资及贸易后/交易结算。” 增长最快的领域将出现在资产/货物管理和贸易融资及贸易后/交易结算领域。投资走向为我们对区块链投资的未来期许提供了翔实可靠的定量依据。(Yahoo! Finance)

 

2. Whiskey (yes, Whiskey) A Target for Tokenized Securities  威士忌  – 资产数字化新用例

Wave Financial, an investment management firm, is taking advantage of a not oft-cited but rather appreciative asset- whiskey.  The firm plans to tokenize the security, which is 1,000 barrels of Kentucky whiskey, to allow “investors [to] gain exposure to, and benefit from, price appreciation of that asset.” The firm purchased the barrels after a first successful round of fundraising, and plans to continue on this path of whiskey-based securities, eventually tokenizing ten to twenty-thousand barrels. (NASDAQ)

投资管理公司Wave Financial锁定了一类不常被应用但却拥有升值潜力的资产类别 —— 威士忌。据悉，该公司计划对1000桶肯塔基威士忌进行数字化操作从而允许“投资人获得该资产的风险敞口，并从其价格上涨中获取收益”。Wave Financial在首轮成功融资后购进了这批威士忌，并计划在威士忌通证道路上继续前行，以最终完成对1~2万桶威士忌的数字化操作流程。（NASDAQ）

 

 

 

References 参考资料

 

Regulatory News 

 

1.“US State Bank Regulators Agree to Single Set of Rules for Fintech, Crypto Firm Licensing”- https://www.coindesk.com/48-state-regulators-combined-crypto-regulation 

 

“U.S. crypto, fintech firms to benefit from slimmed down regulatory process”- https://www.reuters.com/article/us-usa-regulators-crypto/u-s-crypto-fintech-firms-to-benefit-from-slimmed-down-regulatory-process-idUSKBN2661OA 

 

2.“European Ministers Call on EU Commission to Regulate Stablecoins”- https://www.coindesk.com/european-ministers-eu-ban-stablecoin-regulation 

 

3.“Nigeria regulators recognize digital assets in stunning new statement”- https://cointelegraph.com/news/nigeria-regulators-recognize-digital-assets-in-stunning-new-statement

 

Industry News

 

1.“The First Part of Ethereum 2.0 Is Formally Submitted”- https://decrypt.co/42022/the-first-part-of-ethereum-2-0-is-formally-submitted 

 

2.“First tokenization of an Aktiengesellschaft by iVE.ONE”- https://thetokenizer.io/2020/09/14/first-tokenization-of-an-aktiengesellschaft-by-ive-one/ 

 

Investment and Financing Progress

 

1.“Blockchain Solutions Will Continue to See Robust Investments, Led by Banking and Manufacturing, According to New IDC Spending Guide”- https://finance.yahoo.com/news/blockchain-solutions-continue-see-robust-123000103.html 

2.“Wave Financial Wins First Round of Investment for Whiskey Fund Ahead of Tokenization”- https://www.nasdaq.com/articles/wave-financial-wins-first-round-of-investment-for-whiskey-fund-ahead-of-tokenization-2020