摩根大通、美国银行和富国银行因在即时支付平台Zelle上发生数亿美元的诈骗和欺诈而接受联邦调查

币界网Published on 2024-08-10Last updated on 2024-08-10

币界网报道：

据报道，摩根大通（JPMorgan Chase）、美国银行（Bank of America）、富国银行（Wells Fargo）和其他未具名的大型银行正面临联邦调查，原因是数十亿美元的即时支付平台Zelle上存在诈骗和欺诈行为。

据《华尔街日报》报道，消费者金融保护局（CFPB）正在调查银行如何处理网络上的争议交易。

该机构正在回应有关银行在阻止非法转账，尤其是诈骗方面做得不够的投诉，诈骗在技术上被定义为有人被欺骗授权欺诈交易。

调查人员还在调查这三家银行，即Zelle最大的所有者银行，是否在审查客户和终止欺诈账户方面做得足够。

参议院常设调查小组委员会最近发现，2023年，这三家银行向举报Zelle骗局的受害者报销了38%的费用，低于2019年的62%。

小组委员会还表示，这三家银行共同拒绝偿还2021年至2023年间有争议的Zelle交易中的8.8亿美元。

今年夏天，Zelle开始要求其银行在特定情况下偿还一些骗局，比如当有人冒充贷款人或政府时。

在参议院听证会上，Zelle母公司Early Warning Services的首席执行官Cameron Fowler表示，超过99.9%的Zelle交易是在没有任何欺诈报告的情况下执行的，欺诈性Zelle交易的报销率不如犯罪本身重要。

“我们需要把重点放在犯罪分子身上。整个社会、整个行业、整个政府的解决方案是下一步的重要举措…

增加报销并不能解决这个问题。我们在报销方面已经处于行业领先地位。”

摩根大通是第一个公开评论CFPB调查的银行。

该行表示，该机构正在“超越法律要求”，并警告称，它可能不得不在法庭上质疑监管机构的行为。

不要错过任何节拍-订阅以直接将电子邮件提醒发送到您的收件箱

检查价格操作

在X、Facebook和Telegram上关注我们

冲浪每日Hodl混合

生成的图像：Midjourney

NVIDIA HBM in Short Supply, Next-Gen GPUs Limited, but This Storage Drive Steals the Spotlight

The article discusses how AI Agents are transforming storage from a passive repository into an active component within AI inference and operation loops. As Agents perform continuous tasks involving models, memory, tools, and logs, data storage needs to evolve beyond simple block devices. The concept of "functional SSDs" is introduced, where capabilities like automatic encryption, compression, indexing, and memory management are embedded closer to the storage medium. This shift is driven by the need to handle Agent-specific data chains—including context, tool trajectories, and long-term memory—more efficiently. The piece analyzes current trends like AI SSDs from companies such as Phison (aiDAPTIV), Longsys (SPU+iSA), and Maxio, which are beginning to participate in the AI data path by managing model weights, KV cache, and prefetching. It further explores the future re-division of labor across the memory hierarchy: HBM for core compute, emerging High Bandwidth Flash (HBF) for read-intensive workloads, DRAM/CXL for mutable state, and functional SSDs for persistent, governed objects like Agent Memory. The conclusion is that storage will become integral to Agent capability, moving from just saving data to enabling next-step actions. The industry is poised to develop along three paths: functionalized SSDs, storage nodes tailored for Agents, and a re-architected, tiered memory system optimized for access patterns, security, and cost-per-token efficiency.

marsbit2m ago

NVIDIA HBM in Short Supply, Next-Gen GPUs Limited, but This Storage Drive Steals the Spotlight

marsbit2m ago

Breaking: Claude's Attempt on Riemann Hypothesis "Fails," but Accidentally Sets 37-Year Math Record

**AI Makes a Major Mathematical Leap While Failing at the Riemann Hypothesis** A research version of Anthropic's Claude AI was tasked with "seriously attempting" the legendary Riemann Hypothesis, a 167-year-old unsolved problem in mathematics. While it ultimately did not prove the hypothesis, its attempt yielded a significant breakthrough. Claude managed to improve the proven lower bound for the proportion of Riemann zeta function zeros lying on the critical line from 41.6% to 67.2%. This marks a 25.6 percentage point increase, described by observers as potentially the most substantial advance in analytic number theory in over a decade, considering that the previous record had only improved by 0.8 percentage points over 37 years. To achieve this, Claude generated and discarded roughly 650 initial ideas before orchestrating a day-and-a-half-long effort involving about 60 sub-agents. These agents executed 2,400 shell commands, wrote hundreds of Python scripts, and performed thousands of numerical checks. After finding the potential result, Claude initiated self-verification, downloaded papers to check for prior work, and independently re-derived the finding. It then suggested writing a formal paper. The result has been reviewed by Anthropic's internal mathematicians, who also collaborated with Claude to produce a formal, machine-checkable proof using the Lean theorem prover. External experts in the field have also reviewed the manuscript. Anthropic clarifies that the method likely does not directly lead to a full proof of the Riemann Hypothesis, but it demonstrates that advanced AI models are beginning to engage with genuine, open-ended research problems at the frontier of mathematical knowledge.

marsbit8m ago

Breaking: Claude's Attempt on Riemann Hypothesis "Fails," but Accidentally Sets 37-Year Math Record

marsbit8m ago

The Unaffordable Failure of Yushu's IPO

Yushu Robotics' IPO is not just a typical public offering; it represents a pivotal moment for China's humanoid robot industry. With a staggering 219x P/E ratio at issuance and immense market enthusiasm, the company's listing is seen as a critical test case for the entire sector. The IPO reveals Yushu's rapid transition from quadruped consumer robots to humanoid robots, which now account for over 50% of its revenue, alongside a shift to profitability. The offering was massively oversubscribed, with retail investors scrambling for scarce shares, while the majority of the stock is held by locked-up strategic investors like DeepSeek. The core tension lies in the market's valuation. Investors are not buying Yushu's current profits but its future potential as a leader in general-purpose humanoid hardware. However, challenges are evident: revenue heavily depends on research/education clients rather than industrial applications, selling prices are falling faster than costs, and the company is still developing its own AI "brain" for true autonomous decision-making. As the first major humanoid robot company on China's A-share market, Yushu's post-listing performance will set a valuation benchmark for the industry. A wide range of stakeholders, from venture capitalists to strategic partners, have a vested interest in its success. The real test, however, will be Yushu's ability to transition its sales to core industrial clients, maintain margins amid price competition, and successfully integrate advanced AI, thereby justifying its premium valuation.

marsbit23m ago

marsbit23m ago

On-chain Pokemon Card Packs Cool Down for the First Time, Is Speculative Capital Turning to Memecoins?

On-Chain Gashapon (Digital Collectible Cards) Experiences First Cooldown Since February, Speculative Capital Shifts to Memecoins? The on-chain gashapon (digital collectible card) market saw its first monthly decline since February 2026, with July transaction volume dropping to $290.3 million from a record $354.8 million in June. Meanwhile, memecoin platform activity, exemplified by Pump.fun, increased. This suggests potential rotation of crypto speculative capital—some card traders may shift focus when memecoin momentum returns. Notably, Courtyard, likely with the least crypto-native user base, bucked the trend by hitting a record $85.3 million in July, indicating resilient genuine collector demand. While overall secondary trading card volume remained near record highs, leading crypto-native platforms like Collector Crypt saw a 26% MoM drop. Analysis points to this being a natural market correction, possibly amplified by the resurgence in memecoin speculation rather than a fundamental weakening of the digital collectibles market. Concurrently, broader crypto market volatility and correlations have declined, leaving a sustained BTC price rise as the final perceived catalyst for a new bull cycle.

marsbit28m ago

On-chain Pokemon Card Packs Cool Down for the First Time, Is Speculative Capital Turning to Memecoins?

marsbit28m ago

Indices Strong, Natural Gas Soars | TradeXYZ Weekend Market Watch

Weekend Market Observations: Indices Show Strength, Natural Gas Surges Key regional developments centered on Iran. Iran and Oman indicated negotiations over reopening a key shipping channel are nearing completion, with Oman calling for a halt to military actions to facilitate an agreement. However, talks are stalled as Iran has raised its demands, linking Strait reopening to conditions like US sanctions relief, troop withdrawal, and war reparations—terms previously associated with nuclear talks. Iran's Revolutionary Guard stated it will maintain control until all demands are met. In response, the US administration has adopted a lower-key approach, describing a state of "semi-negotiations" while observing Iran's economic pressures. Amid this, reported attacks on a Saudi refinery and an Emirati vessel added to regional tensions. **Crude Oil & Indices:** Crude oil (CL) experienced volatility, initially dipping on comments from Iran's president before recovering. Prices later rose toward $79 after the US signaled a shift toward economic pressure over military escalation. Major equity indices (SP500, XYZ100) posted modest gains (0.13%, 0.22% respectively), demonstrating resilience despite rising oil prices. **Individual Stocks:** The market saw mixed sector performance. Memory stocks were divided (Micron up, SK Hynix down). The optical communications sector was strongest, with MRVL and LITE both gaining around 2.4%. Crypto-related stocks rebounded in pre-market trading after an early dip, closing higher. **Commodity Futures:** Precious and industrial metals (gold, silver, copper) advanced over the weekend, with futures showing V-shaped recoveries. The standout performer was natural gas, surging 3.10% at the open. The primary driver is a forecast for sustained hotter weather into mid-August across the southern and eastern US, boosting power generation demand. This is compounded by tighter supply margins due to pipeline maintenance, a slight dip in dry gas production, and high utilization of LNG export terminals.

marsbit29m ago

Indices Strong, Natural Gas Soars | TradeXYZ Weekend Market Watch