香港是区块链天堂吗？一文读懂香港炒币现状

　　曾俊杰：我可以负责任地讲，目前没有任何一家交易所进入到监管沙盒里。那几家交易所可能只是申请，但是不太可能已经获得通过，那篇文章也许是交易所做的宣发。 

Joonjie: I can be responsible for saying that none of the exchanges is currently in the sandbox of supervision. Those exchanges may be just applications, but they are unlikely to have been approved, and the article may have been announced by the deal.

　　冯军：据我所知，自从沙盒监管政策公布以来，业界似乎并不积极，这是为什么？ 

: As far as I know, the industry does not seem to be active since the Sandbox Regulatory Policy was announced. & nbsp;

　　曾俊杰：因为进入沙盒的条件太苛刻了，几乎没有交易所能够符合条件，随便说一下几个要点。 

Jinji Tsang: Because the conditions for entering the sandbox are too harsh, few exchanges can meet the conditions, just a few points. & nbsp;

　　一．  进入沙盒需要向香港证监会说明你的用户是专业投资者，而不是散户。根据香港证券/期货法的定义，所谓专业投资者，就是需要800万港币以上的资产。

i. & nbsp; & nbsp; entering the sandbox requires that the CSRC explain to you that your user is a professional investor, not a slob. According to the definition of the Hong Kong Securities/Futures Act, the so-called professional investor is an asset that requires more than HK$8 million.

　　而且需要证明你的每一个用户都拥有800万港币资产。没有一家交易所能够完全合规做到这个。

And you need to prove that each of your users has 8 million Hong Kong dollars in assets. No exchange can fully comply with this.

　　二． 交易所需要为平台里的100%线上虚拟资产（热钱包）进行投保，95%线下虚拟资产（冷钱包）投保。比如说你交易所里存了用户的100亿港币，就需要为95亿购买保险，而且保费肯定很贵很贵。 

II.  the exchange needs to insure 100% of the platform’s online virtual assets (hot wallets) and 95% of the offline virtual assets (cold wallets). For example, if you have 10 billion Hong Kong dollars in your exchange, you need to insure $9.5 billion, and the premium is certainly expensive.

　　三． 交易所需要获取第1、7号类金融牌照。这倒不是最困难的事情，因为只要有些钱就有可能拿到。 

iii. & nbsp; exchange needs to get financial license plates 1 and 7. This is not the hardest thing to do, because some money is possible. & nbsp;

　　所以很多机构吹嘘的自己的牌照资源不是最重要的，反而是实操中的合规是最难的。目前来看，我们还没有遇到任何一家交易所可以做到运营合规。 

So many agencies brag about their license plate resources are not the most important, but rather the hardest thing to do. At this point, we haven't encountered any exchange that can do business compliance.

　　编者注：香港1-9号金融牌照分类及申请条件汇总 （http://wemedia.ifeng.com/53632129/wemedia.shtml）  

Editor's note: Summary of the classification of financial licence plates 1-9 and conditions for applications in Hong Kong (http://wemedia.ifeng.com/53632129/wemedia.shtml) & nbsp; & nbsp;

　　冯军：既然条件如此苛刻，那你如何看待香港证监会推出的沙盒监管？　

Feng Jun: What do you think of the sandbox supervision introduced by the CSRC, given the harsh conditions?

　　曾俊杰：它更多是框架性声明、概念性的东西，是一个探索。沙盒监管就是让专业投资者先在沙盒里玩一玩，看看情况怎么样，证监会再考虑接下来要不要监管、要不要发牌照。

Jinji Tsang: It's more of a framework statement, a concept, and an exploration. Sandbox regulation is about professional investors playing in sandboxes to see how it's going, and the SEC considers whether to regulate and issue license plates.

　　目前市场对沙盒监管存在一定的误解。它主要监管的是证券类型的代币，而不是目前市面上的代币。 

There is a misunderstanding in the market about sandbox regulation. It mainly regulates securities-type tokens, not those currently on the market. & nbsp;

　　早在2015年，香港金融管理局认定BTC是商品。

As early as 2015, the Hong Kong Financial Services Authority identified BTC as a commodity.

　　从理论意义上来说，现在所有交易所做的大都不是证券通证，所以也没必要进入沙盒。

Theoretically, the bulk of all transactions now are not securities certificates, so there is no need to go into sandboxes.

　　冯军：那现在香港发币或者ICO、IEO都不违法吗？　

: Is it not illegal for Hong Kong to issue currency or ICO or IEO?

　　曾俊杰：香港奉行“法不禁止皆可为”。目前发币没有明确的监管政策，只要发的不是证券类型代币就都可以不太受限制的做。

Jinji Tsang: Hong Kong pursues a “no law forbidding it.” There is no clear regulatory policy for the issuance of currency, which can be done with little restraint as long as it is not a security-type token.

　　所谓证券类型代币主要有三个特点：1、这个币是否带有股权性质的权益；2、这个币有没有债券性质；3、这个币会不会构成一个投资计划。

There are three main features of the so-called securities-type token: (a) whether the currency has an equity interest; (b) whether the currency is of a bond nature; and (c) whether it will constitute an investment plan.

　　当然要一个项目一个项目具体分析。  

A specific analysis of a project, of course. & nbsp; & nbsp;

香港证券和期货事务监察委员会：有关首次代币发行的声明

　　冯军：按照这个逻辑，在香港开数字资产交易所也不违法吗？ 

: Is it also illegal to open a digital asset exchange in Hong Kong under this logic?

　　曾俊杰：是的，目前还没有所谓的牌照，监管部门也没有说是违法。 

Sam Junjie: Yes, so far there are no so-called license plates, and the regulatory authorities have not said that they are illegal.

　　实际上开交易所、发币，老百姓炒币、买卖都不违法。 

In fact, opening an exchange, issuing a currency,

　　2015年，香港金融监管局将代币定义为虚拟商品，这就意味着可以交易。那么交易所也就类似于电商平台。 

In 2015, the Hong Kong Financial Supervisory Authority defined the currency as a virtual commodity, which means that it can be traded. The exchange is also similar to a power provider platform. & nbsp;

　　只是交易所必须进行反洗钱、KYC，如果发现可疑交易，必须向监管当局及时汇报。 

Only the exchange must carry out anti-money laundering, KYC, and if a suspicious transaction is detected, it must report it to the regulatory authority in a timely manner. & nbsp;

　　冯军：在现实中，为什么很少交易所能在香港落地？ 

: In reality, why are few exchanges able to land in Hong Kong?

　　曾俊杰：实际上，在香港做数字资产交易主要障碍在于银行。 

Jinji Tsang: In fact, the main obstacle to doing digital asset transactions in Hong Kong is the bank.

　　尽管在香港开数字货币交易所和进行数字货币交易不违法，但是银行作为商业机构可以选择是否与数字货币交易所合作，进行这项业务，提供服务。 

Although it is not illegal to open a digital currency exchange in Hong Kong and to conduct a digital currency transaction, banks, as a commercial institution, have the option of cooperating with the digital currency exchange in this business and providing services. & nbsp;

　　很多交易所的银行账户被银行封掉，很多用户的银行卡也被冻结。因为银行不愿意参与到这个商业活动中，提供这项服务。因为他们会默认从事数字货币交易的账户，容易卷入到洗钱、诈骗或其他违法行为中。 

Many of the exchange’s bank accounts are blocked by banks, and many of the users’ bank cards are frozen. Banks are reluctant to participate in this business and provide this service.

　　另外一方面，在香港银行的账户体系本身就比内地复杂，在香港开一个账户一个月的时候，需要提供各种资料，这些老百姓也习以为常了。如果从事商业活动，更是经常需要向银行提供资金来源证明或者其他资料。如果银行账户或者某笔划款被暂停，询问银行只会告诉你要去做合规，但是不会告诉具体违反了哪一条政策。 

On the other hand, in Hong Kong, the bank’s system of accounts is more complex than in the Mainland, and it is common for these people to provide information when opening an account in Hong Kong for a month. In the case of commercial activities, it is more often necessary to provide the bank with proof of the source of funds or other information.

　　B

　　冯军：香港市民买卖数字货币出入金是否方便？有啥门槛？可以用法币直接购买吗？ 

: Is it easy for Hong Kong citizens to buy and sell digital money? What's the threshold? Can it be purchased directly in French?

　　曾俊杰：香港市民买卖数字货币挺自由的，也可以用港币直接购买，没啥门槛。但是市面上目前只有我们TideBit是唯一的法币交易所。 

Tsang Junjie: Hong Kong citizens are free to buy and sell digital currency and can buy it directly in Hong Kong currency. There is no threshold. But we are the only French currency exchange on the market.

　　之前很多交易所也做了法币渠道，但要么被黑客攻击、或者跑路了，要么就被银行冻结了账户，像Gatecoin就是这样。 

Many of the previous exchanges used French as a channel, either by hacking or running away, or by freezing accounts by banks, like Gatecoin.

　　编者注：Gatecoin因提供法币支付的渠道跑路，卷款一个亿左右的资金，导致Gatecoin倒闭清盘。 

Editor's Note : Gatecoin ran off by providing a channel for payment in French currency to roll around a billion dollars in money, causing Gatecoin to collapse. & nbsp;

　　火币、币安、OKEx三大交易所在香港也只是提供币币交易，没有法币通道。 

In Hong Kong, the three foreign exchange offices, the Democratic People’s Republic of Korea and the Republic of Korea, offer only currency transactions, and there are no channels for French currency.

　　冯军：香港市民炒币有什么特征吗，和大陆的币民有什么不一样？ 

: What are the characteristics of Hong Kong citizens' coffers and how do they differ from mainlanders?

　　曾俊杰：他们还是比较谨慎，只对主流币BTC、ETH感兴趣，特别是70%以上都是买BTC。小币种在香港没有什么市场。 

Tsang Junjie: They are still cautious, interested only in the mainstream currency BTC, ETH, especially when more than 70% of them buy BTC. There is no market for small currency in Hong Kong.

　　所以我们TideBit目前主要开通了主流币交易。 

So we're starting the mainstream currency deal in TiedBit.

　　他们也不太热衷于行业那些炒作的新概念，可能跟他们自小受到的教育有关，具有强烈的自我风险控制。 

They are also less interested in the new concepts of the industry, which may be related to the education they have received since childhood, with strong self-risk control.

　　冯军：香港币民的年龄构成咋样？信息获取渠道是哪些？ 

: What is the age of Hong Kong Dollars? What is the source of information?

　　曾俊杰：主要还是年轻人居多。但是香港市民比较富裕，所以充值金额比较大，人均持币资产在10万港币左右，30-40岁之间的人是持币资产最多的。 

Jinji Tsang: The majority are young people. However, Hong Kong’s citizens are richer and therefore have a larger charge, with a per capita currency asset of around HK$ 100,000, while those between 30 and 40 years of age have the highest number of currency holdings. & nbsp;

　　整体而言，数字货币投资在香港还未进入主流社会，一般老百姓没有觉得它是一个新的资产配置。 

On the whole, digital money investment is not yet in the mainstream in Hong Kong, and ordinary people do not think it is a new asset allocation.

　　还有就是香港主流媒体对数字货币的报道都比较妖魔化，传统经济评论员的评论也都比较负面。而它们在香港市民中的影响力还是很大的。 

There is also the demonization of digital money in mainstream media in Hong Kong, and the negative comments of traditional economic commentators. They are still very influential among Hong Kong’s citizens.

　　香港币民不相信区块链媒体，特别是那种拉盘性质的信息，他们尤其反感。 

The Hong Kong dollar does not believe in block-link media, especially information of a plaque nature, and they are particularly unsatisfied.

　　冯军：TideBit目前有多少用户，日交易额大概是多少？是否能反映香港币民的整体活跃情况？ 

: How many users are TideBit at present, and how much is the daily turnover? Does it reflect the overall activity of the Hong Kong dollar? & nbsp;

　　曾俊杰：我们肯定具有最大的代表性，是香港市民用法币买卖数字货币的唯一渠道。 

Sam Junjie: We are certainly the most representative and the only channel through which Hong Kong citizens can buy and sell digital money in French.

　　目前TideBit拥有活跃用户5万左右，90%都是香港本地市民，当然也以年轻人为为主。日活在4000左右，日交易量在100BTC左右，而且主要还是法币交易。我们每天光散户的入金额就在100万港币左右。 

TideBit currently has about 50,000 active users, 90% of whom are local residents of Hong Kong and, of course, are young people.

　　当然我们也吸引了一部分大陆用户，特别是广东地区的，因为拥有香港银行卡的大陆居民还是大有人在。 

Of course, we have attracted some mainland users, especially in the Guangdong region, because there are still large numbers of mainland residents with Hong Kong bank cards.

　　冯军：香港市民买了BTC等主流币就持币不动吗，还是会进行更多其他操作？ 

: Do Hong Kong citizens buy the main currency, such as BTC, or do they do more than that?

　　曾俊杰：大部分确实是持币不动。但我们也看到很多市民在我们TideBit用法币买入主流币后，提币到其他平台，再去买小币种，做币币交易。 

Jinji Tsang: Most of them do hold the currency. But we also see a lot of citizens who, after we buy the mainstream currency in TideBit in French, take the money to other platforms, buy the currency and trade it. & nbsp;

　　从我们后台数据来看，提币到币安的是最多。 

From our back-office data, it's the most expensive to raise money.

　　我们觉得这样也挺好，TideBit就相当于一个增量资金入口。 

We think it's good, too, that TiedBit is like an incremental capital entry.

　　冯军：香港本地有发币项目吗，为何很少听说？ 

: Does Hong Kong have a local currency project, why is it so rare to hear about it?

　　曾俊杰：香港本地发币项目比较少，因为没有啥受众，本地市民的参与感极低，他们不太相信CX模式。 

Jinji Tsang: There are fewer local money distribution projects in Hong Kong because there is no audience, local citizens have a very low sense of participation, and they do not believe in the CX model. & nbsp;

　　像之前发币的几个项目，都因为没啥受众，后来转移到台湾、日本去了。 

Like a few previous projects where money had been paid, they moved to Taiwan and Japan because they didn't have a lot of audiences.

　　很多区块链会议在香港召开，但与会者估计只有10%的人是香港本地人。 

Many block chain meetings are held in Hong Kong, but it is estimated that only 10% of the participants are local Hong Kong residents.

　　冯军：但还是很多大陆项目想跑到香港来，这是为什么呢？ 

: But many mainland projects want to come to Hong Kong, why? >nbsp;

　　曾俊杰：香港毕竟是全球金融中心，又是大陆改革开放的门户，这里聚集了全球金融人才，而且政策开放，成立公司、搞融资都比较方便。 

Tsang Junjie: After all, Hong Kong is a global financial centre and an open gateway to continental reform, bringing together global financial talent and making it easier for companies to set up and finance.

　　这样，很多想来大陆发展的海外项目，首先会到香港设立办事处。很多想到海外发展的大陆项目，也会首选搬到香港来。 

In this way, many overseas projects that want to move to the mainland start with an office in Hong Kong.

　　特别是大陆的“9.4”政策颁布之后，几乎所有大陆项目都开始做风险隔离，把核心人员搬到了香港。 

After the mainland's “9.4” policy, in particular, almost all continental projects began risk-segregating, moving core staff to Hong Kong.

　　所以目前的现状是，香港的数字货币从业人员非常多，在全球的影响力也不容小觑。 

So the current situation is that Hong Kong has a very large number of digital money practitioners, and that its influence is not negligible at the global level.

　　比如EOS虽然注册在开曼群岛，但是BM长年在香港；全球最大的BTC期货交易所BitMEX注册在塞舌尔，但主要人员也在香港。 

For example, while EOS is registered in the Cayman Islands, BM has been in Hong Kong for a long time; the world’s largest BTC futures exchange, BitMEX, is registered in Seychelles, but its principals are in Hong Kong.

　　我个人认为，香港还是很有可能成为全球区块链金融中心之一。 

I personally believe that Hong Kong is one of the most likely financial centres in the global block chain.

　　冯军：为什么TideBit能成唯一幸存的港币交易所？ 

: Why did TedBit become the only remaining Hong Kong currency exchange?

　　曾俊杰：主要是我们的基礎打得好，和银行、监管沟通顺畅和方便。不会像其他交易所出现跑路、欺骗、被攻击、挪用资金等事情。 

Junjie: It is mainly our foundation that is well laid, well-connected with banks, regulators, and conveniently. There is no running, cheating, being attacked, misappropriation of funds like any other exchange.

　　我们自2017年6月份上线以来，没有出过任何事故，合作时间长了，银行也就放心，知道我们不是做的非法业务，所以我们成了在仅剩的在香港支持港币、美元、欧元法币入金的交易所。

Since we came online in June 2017, there have been no accidents, cooperation has been long, and banks are reassured that they know we are not doing illegal business, so we are the only remaining exchange that supports Hong Kong in Hong Kong, the United States dollar and the euro in French.

　　我们还将推新产品isunone，这是一个聚合钱包，打通了法币和数字货币，配有匿名的mastercard，支持全球万事达支付。Mastercard包括美元卡、港币卡和人民币卡，支持消费、充值、转账、提现等业务，可以快速开户。

We will also push a new product, Isunone, a condensed wallet that connects French and digital currencies, with anonymous mastercards, to support global pay-as-you-go. Mastercard, which includes United States dollar cards, Hong Kong currency cards, and renminbi cards, supports consumption, charging, transfers, cash withdrawals, etc., and can open accounts quickly.

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