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은행에 의한 암호통화의 안전한 운용법

How Banks Can Safely Do Cryptocurrency

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 04월 상품 코드 834432
페이지 정보 영문 19 Pages, 2 Exhibits
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US $ 2,950 ₩ 3,560,000 PDF (Single User License)


은행에 의한 암호통화의 안전한 운용법 How Banks Can Safely Do Cryptocurrency
발행일 : 2019년 04월 페이지 정보 : 영문 19 Pages, 2 Exhibits

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

Signature Bank 및 J.P. Morgan의 2개 대형 은행이 암호통화 지원을 정식 발표하고, 폐루프 솔루션을 구현했습니다.

암호통화(Cryptocurrency) 현황을 조사했으며, 가상통화·디지털 통화·암호통화·프라이빗 암호통화·스테이블코인·ICO의 정의와 개요, 암호통화의 각종 구현 접근법과 관련 리스크, 은행의 각종 운용 접근법 평가, 기존 규제 구조에 대한 적합성 등을 정리했습니다.

조사 하이라이트

  • 디지털 통화 및 암호통화의 각종 종류 정의
  • 스테이블코인 구현의 각종 접근법 평가
  • 블록체인 구현에 관한 분석과 안전성 보증을 위한 평가법
  • 스마트 계약 환경의 평가법과 안전한 집행을 위협하는 위험성이 높은 기술적 측면 확인
  • 금융기관에 의한 위험을 최소한으로 억제하면서 스마트 계약 환경으로의 참여 방법 제안
  • 암호통화 고객에게 범죄 행동을 일으키는 기술적 문제 확인
  • 은행이 암호통화 솔루션의 전개에서 채용할 수 있는 여러 접근법 확인
  • 각 접근법의 위험 평가

게재 기업

  • American Express
  • Coinbase
  • Ethereum
  • Fundera
  • JP Morgan
  • Ripple
  • Signature Bank
  • Tether
KSM 19.05.21

Two large banks, Signature Bank and J.P. Morgan, have officially announced they are supporting cryptocurrencies and each has implemented a closed-loop solution. A new research report from Mercator Advisory Group titled How Banks Can Safely Do Cryptocurrency evaluates the state of cryptocurrencies and considers multiple solution types based on how they fit the existing regulatory structures and evaluates where each solution will push the boundaries of institutional risk.

The report defines and delineates between virtual currencies, digital currencies, cryptocurrencies, private cryptocurrencies, "stablecoins," and initial coin offerings (ICOs). It explains the risks associated with different cryptocurrency implementations and provides a graphic that makes it easy to comprehend how cryptocurrencies can be called, on the one hand, as the most secure currency in the world while, on the other hand, the news almost weekly reports new criminal acts in which people's cryptocurrency has been stolen.

With that background information, the report evaluates different approaches a bank might take to deliver a cryptocurrency-based product to its customers while remaining compliant to all existing banking regulations.

"Although I have confidence in the server technology that creates and manages Bitcoin, I remain very skeptical of the industry that has sprung up around it that has enabled so many poorly secured products to be released to consumers. Too many of these were scams to begin with. These are well documented in this report and the risk vectors are exposed," comments the author of the report, Tim Sloane, VP, Payments Innovation, and Director, Emerging Technologies Advisory Service at Mercator Advisory Group . "However, this report also identifies several implementations that remain well within the banking regulatory framework and would deliver meaningful products to market should the institution feel its customers could benefit from such a contribution."

This research report has 19 pages and 2 exhibits.

Companies mentioned in this report include : American Express, Coinbase, Ethereum, Fundera, JP Morgan, Ripple, Signature Bank, and Tether.

Highlights of the research report include:

  • Establishes definitions for the many types of digital and cryptocurrencies currently in the market.
  • Evaluates the different approaches to implementing stablecoins.
  • Provides insights into the underlying blockchain implementations and indicates how each should be evaluated to assure it will remain secure.
  • Provides a method for evaluating smart contract environments and identifies those aspects of smart contract technology that likely represent the highest risks associated with safe execution.
  • Suggests how a financial institution could participate in a smart contract environment while minimizing its risks associated with this very immature technology and implementation environment.
  • Identifies technological issues that have allowed so many criminal activities to be perpetrated on cryptocurrency customers.
  • Identifies several approaches that banks can take to become engaged in deploying cryptocurrency solutions.
  • Evaluates the risk of each approach it documents including reputational and other indirect risks.
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