[喜悦]MiCA 和商家对加密支付行业信任度的提升——有可能吗？

时间：2024-03-01|浏览：247

随着 MiCA（加密资产市场监管）的推出，欧盟准备迈出重大一步。

关于稳定币的透明度、最大程度的保护、明确的监管以及潜在的投资涌入加密市场的讨论已经有很多。

但鉴于即将发生的变化，很少有人解决加密支付开发的问题。

MiCa 生效后，我们可以预期低风险企业启用加密支付的意愿将大幅上升

，

这背后有很多原因。

覆盖范围最终关闭至全球

加密支付网关始终强调全球覆盖。

但在 MiCA 之前，欧盟的加密支付监管环境是各国法律和解释的混合体

——

德国的 BanFin、法国的 AMF、荷兰的 DNB 和 AFM、西班牙的 CNMV、意大利的 CONSOB、马耳他的 MFSA 和爱沙尼亚金融情报机构。

缺乏统一的监管框架导致了不一致，这给寻求在欧盟不同国家扩展服务的加密货币支付提供商带来了重大挑战。

因此，如果没有为每个欧洲司法管辖区获得单独的许可证，加密支付提供商无法完全满足寻求通过单一提供商覆盖所有国家/地区的商家的需求。

MiCA 监管将帮助加密支付领域的企业解决这些问题，并通过在每个国家/地区办理护照办理流程，为其客户提供无缝服务。

商家将能够通过与单一加密支付提供商达成协议，在目标国家/地区实现加密支付，并确实按照承诺获得接近全球的覆盖范围。

重新获得对该行业的信任将迫使企业接受加密货币以获得竞争优势，因为

缺乏统一的监管方法会导致市场操纵，这可能会损害消费者的信任并阻碍加密货币的更广泛接受。

The urgency for regulators to enforce crypto regulations globally has heightened in the aftermath of the scandalous FTX collapse, when the crypto market capitalization plummeted, reaching a two-year low of $736 billion on November 9, 2023, and has started its slow recovery not so long ago.

The investors appeared to be unprotected while the industry proved itself as not as reliable as it needs to be to bring its solutions to the masses.

No doubt, there’s always been an issue of credibility of the sector not only for investors but also for financial institutions like banks that don’t properly work with the players and often deny opening bank accounts due to the lack of the required transparency and control over the industry.

However, the lack of trust in the crypto domain as a common phenomenon also affects consumers, merchants and payment service providers’ willingness to use, accept and provide new channels to operate money.

Consumers don’t express the demand for crypto payments and don’t consider this payment method as a competitive advantage that would make them choose a store with crypto payments over a store with traditional payment options only.

Merchants do not need to spend time and effort on implementation to enable something that wouldn’t impact their position in the market.

The crypto industry is expected to regain trust and create a basis for the integration of crypto as an everyday payment habit.

Once it happens, the demand for crypto payments will be dictated by the end consumer who after expressing overall interest in the crypto sector will need to make a step forward and find further implications of crypto in real life.

Crypto.com in its report stated that the global number of crypto owners soared by 34% and reached 580 million despite the economic crisis and other macro headwinds.

With these numbers at hand, we understand that crypto payments will soon become a competitive advantage that businesses will be integrating for greater retention, and MiCA regulations will strengthen this trend.

Stablecoins are the clearest means of payment for low-risk industries – strict regulations will propel their use for everyday purchases

A lot of attention is given to the process of regulation of stablecoins, especially EMTs (e-money tokens).

EMT, the value of which is supposed to mirror the value of an official currency, makes it easier for consumers to use it for everyday payments.

The overall rise of the stablecoin economy indicates that a growing interest of investors is already here.

Over the last month, stablecoins capitalization surged, experiencing a $4.9 billion growth between December 30, 2023, and January 30, 2024.

Stablecoins’ potential has long been a subject of interest for the EU parliament.

2021年，在稳定币的所有优势中，他们强调了稳定币的易用性、稳定币在海外支付中的意义，以降低处理成本、在国际贸易中的使用以降低费用和提高速度，以及创建更快、更具包容性的全球支付体系。付款安排。

当时，还没有普遍接受的监管框架来确保客户保护和所需的透明度。

MiCA 的监管将通过确保电子货币代币可以随时以支持代币的货币价格免费兑换，从而明确价格形成和消费者保护问题。

这将刺激更多人采用 EMT 进行日常支付。

最后的话

尽管 MiCA 监管框架是迈向更安全未来的一步，但加密货币和公共部门都应平等参与 MiCaR 条款的实施。