最大的比特币交易平台处境堪忧，一旦破产，用户的资产也将化为乌有
Hidden away in Coinbase Global’s disappointing first-quarter earnings report—in which the U.S.'s largest cryptocurrency exchange reported a quarterly loss of $430 million and a 19% drop in monthly users—is an update on the risks of using Coinbase’s service that may come as a surprise to its millions of 比特幣交易平台 users.
In the event the crypto exchange goes bankrupt, Coinbase says, its users might 比特幣交易平台 lose all the cryptocurrency stored in their accounts too.
Coinbase said in its earnings report on May 10 that it holds $256 billion in both fiat currencies and cryptocurrencies on behalf of its customers. Yet the exchange noted that in the event it ever declared bankruptcy, “the crypto assets we hold in custody on behalf of our customers could be subject to bankruptcy proceedings.” Coinbase users would become “general unsecured creditors,” meaning they have no right to claim any specific property from the exchange in proceedings. Their funds would become inaccessible.
That shouldn’t happen.
An individual’s ownership of cryptocurrency is supposed to be immutable and absolute; that's one of the key selling points touted by blockchain evangelists everywhere. But when a user creates a Coinbase account, they often end up storing their cryptocurrency in a wallet controlled by Coinbase, which means the individual is giving away at least part of their control over their own funds.
Access to a crypto wallet is governed by a private key, which is a long string of characters that effectively acts 比特幣交易平台 as a password. Without the key, the cryptocurrency in the wallet can’t be accessed. On Coinbase, the exchange holds the private key and lets users access the funds within 比特幣交易平台 the wallet using a more conventional password. The setup makes it easier for users to enter their accounts, by remembering an easier password.
Yet it means that when push comes to shove, Coinbase ultimately governs whether a 比特幣交易平台 user gets access to those assets.
In comments shared on Twitter, Coinbase CEO and founder Brian Armstrong said the exchange had “no 比特幣交易平台 risk of bankruptcy,” and that the disclosure was made due to new rules set by the U.S. Securities and Exchange Commission regarding public companies that hold crypto assets on behalf of others.
“This disclosure makes sense in that these legal protections have not been tested in court for crypto assets 比特幣交易平台 specifically, and it is possible, however unlikely, that a court would decide to consider customer assets as part of the company in bankruptcy proceedings even if it harmed consumers,” Armstrong tweeted, while reassuring users that “your funds are safe at Coinbase.”
Coinbase does offer a self-custody wallet, titled “Coinbase Wallet,” in which 比特幣交易平台 users know their private key, and a Coinbase Wallet—or any crypto wallet—is not required to 比特幣交易平台 trade crypto on Coinbase. But by admitting that crypto assets aren't secure in the event of a bankruptcy, Coinbase is also highlighting a major difference between storing your funds with blockchain exchanges, versus keeping cash with 比特幣交易平台 traditional banks.
Bank accounts in the U.S. are protected by deposit insurance offered by the Federal Deposit Insurance Corporation. In the event a bank fails, the FDIC steps in to protect deposits up to $250,000, preventing depositors from going broke along with the bank. Crypto exchanges don't offer 比特幣交易平台 that same protection—which is the primary reason why 比特幣交易平台 crypto enthusiasts advise investors to hold their 比特幣交易平台 cryptocurrency in a personal wallet, rather than on an exchange.
Coinbase shares fell 15.6% in after-hours trading after the exchange released its earnings, dragging the crypto exchange's stock price down to 80% below its Nasdaq debut in April 2021. Besides reporting a declining user base and lower than expected revenue, trading volume on the Coinbase exchange declined from $547 billion to $309 billion in the first quarter, over the same period last year. Coinbase warned that trading volume was likely to decline further in the current quarter.
【新手教學】加密貨幣交易所推薦（附交易量及手續費）
Preface 完全理解 A.I 與 Robotics的重要性，因此2022年的這個暑期，我們將一同迎接夏日Coding Boot Camp 訓練班。由4歲到18歲，Preface都有專屬的Coding課程可供選擇。怎樣的課程最適合你？誠邀你帶同孩子前來Preface每星期舉行的免費體驗日，一同共序未來。
如何揀選加密貨幣交易所？
用戶界面及體驗
加密貨幣交易所排名2022
Preface 完全理解 A.I 與 Robotics的重要性，因此2022年的這個暑期，我們將一同迎接夏日Coding Boot Camp 訓練班。由4歲到18歲，Preface都有專屬的Coding課程可供選擇。怎樣的課程最適合你？誠邀你帶同孩子前來Preface每星期舉行的免費體驗日，一同共序未來。
5大加密貨幣交易所推薦
以 BNB 繳付手續費： 0.075%
Binance
申請手續 + 需時
- 加密貨幣交易量交易量全球第一
- 交易幣種超過100種
- 設有用戶安全資產基金（SAFU）
- 拒絕香港用戶進行合約操作
- 交易高峰期有機會出現故障
- 不設電話客服，僅提供線上客服
- 合法性受到質疑
- 提供完全透明、即時到賬的入幣及提幣服務
- 介面設計簡潔易用
- 大多數資金存儲在離線冷錢包中
Crypto HK
- P2P/C2C無最低交易額限制
- 設有門市
- 超過700種虛擬幣可供交易
- 在交易高峰期，延遲低至500毫秒以下，交易可靠性高
- 以轉數快FPS或銀行轉帳買幣時，無需支付轉帳手續費
- 設全球社群供用戶互相交流
WireX
- 支援港幣、美元、日元等多種法幣充值
- 可使用香港銀行信用卡直接簽帳買幣
- 可同時申請Wirex扣帳卡
- 雖然牌照齊全，但不設存款保障
- 用戶的扣帳卡有機會因所在地區的條例更改而停止服務
在香港買加密貨幣犯法嗎？
加密貨幣交易所受監管嗎？
無論交易是否在香港進行，只要該加密貨幣交易所以香港投資者作為目標，並就最少一種證券型代幣 (如股票代幣) 提供交易服務，便須向證監會就第1類 (證券交易) 及第7類 (提供自動化交易服務) 受規管活動領取牌照，並受與適用於證券經紀商及自動化交易場所的標準相若的特設規定所約束。
獨家〉比特幣交易必用幣安平台，趙長鵬身價因此贏過Google和Meta創辦人，暴富傳奇誰能複製？
《彭博》一紙億萬富翁指數，將幣安創辦人兼執行長趙長鵬的身價，推升為全球第11大首富。他所創立的幣安，堪稱「富豪製造機」，把加密貨幣當成獎金發放給員工，帶領員工也晉身億萬富翁。幣安幣一顆現在換算值台幣1萬3000餘元，一般人還有機會複製他的暴富之路嗎？
兩岸共同熱搜，趙長鵬到底是何人？
在2022年1月10日的億萬富翁排行榜上，他超越亞洲首富、印度信實集團董事長安巴尼（Mukesh Ambani），還贏過了臉書創辦人祖克柏（Mark Zuckerberg）及Google創辦人佩吉（Larry Page）。（編按：之後排名在這些人之後）
圖／彭博發布的《億萬富翁排行榜》（1月18日最新排名）。擷取自彭博
圖／比特幣在2021年再次達到歷史新高，創下了三個峰值。2021年1月峰值約為4萬1000美元，4月中旬達到6萬3000美元，11月達到約6萬9000美元。幣安提供
幣安幣1年漲16倍，員工也跟著致富
首富第一個財富密碼：自家交易所幣
首富第二個財富密碼，創立虛幣交易所
圖／幣安創辦人兼執行長趙長鵬。幣安提供
幣圈日常如虛幣價格，暴起暴落
大學學的是計算機科學，曾任職於《彭博社》（Bloomberg Tradebook Futures）擔任技術總監，可見程式功力高強。
經營交易所，過程驚心動魄
幣安打敗對手，三招贏的策略
經歷各種磨難，幣安還是時下年輕人最喜歡的交易平台，趙長鵬歸納幣安的競爭力有三，一是保護用戶的價值觀，二是產品的實力，三是極致服務。
「趙長鵬模式」致富，怕你學不會
圖／幣安交易介面特地開發「簡潔版」。擷取自幣安App
趙長鵬小檔案
出生：1977年
現職：幣安創辦人兼執行長
學歷：加拿大麥基爾大學計算機科學專業
經歷：彭博社（Bloomberg Tradebook Futures）技術總監、OKCoin首席技術官
2022年最好的比特币交易平台推荐
| 1 | Forex Club |
福瑞斯（Forex Club，也以 Libertex 品牌运营）创立于 1997 年，是一个国际化且值得信赖的品牌，拥有超过 20 年的金融和交易经验。经纪商重视每一位客户，提供多种高速、可靠、顶尖的技术平台，以供投资者进行选择。此外，他们为每一位参与交易的客户进行盈利的长期建设，你将获得这种超凡的交易体验。
作为外汇经纪行业的国际领军企业之一，Forex Club 已经在全球赢得 30 多个享有盛誉的奖项。无论是在成熟市场，还是新兴市场，凭借创新的产品和服务，他们的领先地位每一年都在不断加强。针对全球不同国家的金融市场，经纪商严格遵守监管机构设立的政策，外汇及差价合约不会产生负数结余，你的最大亏损风险仅限于账户入金总额。
Forex Club 旗下经纪商受到塞浦路斯证券交易委员会（CySEC）和白俄罗斯国家银行（NBRB）的监管，授权在 28 个欧盟成员国开展相应业务。国际金融委员会（FinCom）是一个专门针对外汇领域设立的独立性行业自律组织，也是知名的外部争议解决机构，以赔偿基金的形式保护客户利益，赔偿金额高达€20000/案件。
交易平台有 3 种：专有 Libertex，以及业内最受欢迎的 MT4 和 MT5。专有平台 Libertex 允许你投资所有金融工具，包括股票（苹果、微软、可口可乐等）、指数（道琼斯、纳斯达克、德指等）、金属（黄金、白银、铂金、铜）、货币（主流货币对组合，比特币、莱特币等加密货币）、原油、天然气。