Regelgevers geven een gezamenlijke verklaring af over de risico's die verband houden met crypto

• De Fed, de Federal Deposit Insurance Corp. (FDIC) en het Office of the Comptroller of the Currency (OCC) hebben een gezamenlijke verklaring afgegeven.
• De toezichthouders verklaarden dat ze beoordelen hoe crypto-gerelateerde activiteiten kunnen worden uitgevoerd zonder risico's voor klanten te vormen. 
• The agencies stated that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.”
• The agencies plan to take a “careful and cautious approach” related to the presence of crypto in banking sector.

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Crypto-activa zijn extreem volatiel en brengen daarom enorme risico's met zich mee. Daarom werken toezichthouders over de hele wereld aan manieren waarop traditionele financiële instellingen deze op blockchain gebaseerde activa kunnen gebruiken zonder hun financiële gezondheid in gevaar te brengen. Als gevolg hiervan hebben de Federal Reserve, de Federal Deposit Insurance Corp. (FDIC) en het Office of the Comptroller of the Currency (OCC) een gezamenlijke verklaring afgegeven over cryptocurrencies. 

Volgens de gezamenlijke verklaring uitgegeven op 3 januari 2023 merkten de toezichthouders op dat hoewel banken niet worden uitgesloten of ontmoedigd om bankdiensten te verlenen aan klanten van een specifieke klasse of type, de agentschappen momenteel beoordelen hoe cryptogerelateerde activiteiten kunnen worden uitgevoerd zonder risico's voor klanten te vormen. 

“The agencies are continuing to assess whether or how current and proposed crypto-asset-related activities by banking organizations can be conducted in a manner that adequately addresses safety and soundness, consumer protection, legal permissibility, and compliance with applicable laws and regulations, including anti-money laundering and illicit finance statutes and rules,” read the joint statement from the regulators. 

The regulators also noted that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.” As a result, the agencies plan to take a “careful and cautious approach related to current or proposed crypto-asset-related activities and exposures at each banking organization.” 

2022 has been deemed as one of the worst years for the crypto space and the regulators noted multiple fraud and scams, legal uncertainties, inaccurate or misleading representations or disclosures, volatility and contagion risk flooding the market causing significant damages to investors’ portfolios. The joint statement from the agencies stated that “it is important that risks related to the crypto-asset sector that cannot be mitigated or controlled do not migrate to the banking system.”

The regulators believe that prior to engaging in crypto-related activities and providing similar services, banks should ensure “risk management, including board oversight, policies, procedures, risk assessments, controls, gates and guardrails, and monitoring, to effectively identify and manage risks.” 

“Banking organizations should ensure that crypto-asset-related activities can be performed in a safe and sound manner, are legally permissible, and comply with applicable laws and regulations, including those designed to protect consumers (such as fair lending laws and prohibitions against unfair, deceptive, or abusive acts or practices),” the statement said.

As reported earlier by Bitnation, the research arm of the United States’ Federal Reserve recently publiceerde een paar rapporten over de risico's associated with the world of decentralized finance, or DeFi and compared to centralized finance, or CeFi. The papers noted that “centralized cryptoentities that act as counterparties to retail users in the digital asset ecosystem are generally not subject to capital, liquidity, or comprehensive disclosure requirements.”

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