Дэвид Маркус рассказал о причине закрытия платежного проекта Diem

cryptonews.ruPublished on 2024-01-02Last updated on 2024-12-02

Бывший руководитель блокчейн-подразделения Meta (ранее Facebook) Дэвид Маркус рассказал, почему пришлось закрыть проект по запуску стейблкоина Diem, ранее известный как Libra.

По словам Дэвида Маркуса (David Marcus), стейблкоин Diem, призванный облегчить проведение международных платежей, был закрыт в связи с сильным политическим давлением со стороны регулирующих органов США. Причем у правительства и регуляторов не было никаких юридических оснований, чтобы свернуть проект, однако они начали угрожать финансовым учреждениям. Ранее Diem заручился поддержкой платежных гигантов Visa и PayPal, где Маркус занимал пост президента. Однако Visa, наряду с другими компаниями, покинула проект из-за нормативных сложностей.

Маркус рассказал, что через две недели после запуска проекта, Маркус был вызван для дачи показаний перед Банковским комитетом Сената США и Комитетом по финансовым услугам Палаты представителей Конгресса США. По словам Маркуса, развитие проекта тормозилось на каждом шагу. Лишь к весне 2021 года руководство Diem обсудило с регуляторами все возможные проблемы, связанные с финансовыми преступлениями, отмыванием денег, защитой прав потребителей и управлением резервами.

Председатель Совета управляющих Федеральной резервной системы США (ФРС) Джером Пауэлл (Jerome Powell) уже был готов дать разрешение на работу проекта в «ограниченном объеме». Но министр финансов Джанет Йеллен (Janet Yellen) выступила против развертывания Diem, назвав его «политическим самоубийством». Это стало «гвоздем в крышку гроба» Diem. ФРС провела телефонные разговоры со всеми банками-участниками, предупредив, что не может запретить им участвовать в проекте, но и не одобряет их действий.

«Это было на 100% политическое убийство проекта путем запугивания банков и платежных компаний, потому что Diem мог бы улучшить проведение международных платежей. Обидно, что США, куда я иммигрировал из-за их верховенства закона и системы ценностей, вели себя таким образом. Это была очень горькая пилюля. Зато мы усвоили главный урок: если вы пытаетесь построить открытую денежную сеть для всего мира, перемещающую триллионы долларов в день, и которая сможет просуществовать 100 лет — вы должны построить ее на самой нейтральной и децентрализованной сети, которой, без сомнения, является Биткоин», — написал Маркус в соцсети Х.

Компания Meta отказалась от проекта Diem в начале 2022 года, после продажи своей интеллектуальной собственности и активов компании Silvergate Capital. В марте 2023 года Silvergate уведомил Комиссию по ценным бумагам и биржам США (SEC) о банкротстве из-за массовой распродажи активов и неспособности погасить долги.

Edel Finance loses $403K as flash-loan oracle exploit hits xStock lending reserves

Edel Finance, a programmable market layer for tokenized equities, suffered a $403,000 exploit. An attacker manipulated the wrapped xStocks (wGOOGLx) exchange rate via a flash loan, briefly inflating the collateral's value 78-fold to borrow far beyond its true worth. Although the protocol acted promptly to limit losses, the attack revealed critical oracle and collateral pricing vulnerabilities in tokenized lending markets. The exploit severely impacted liquidity, causing total value locked (TVL) to plummet from around $630,000 to roughly $947 as users withdrew funds. A net outflow of approximately $630,000 followed. Recovery hinges on restoring user confidence through deposit growth, stabilized TVL, and stronger oracle protections and risk management practices.

ambcrypto5m ago

Edel Finance loses $403K as flash-loan oracle exploit hits xStock lending reserves

ambcrypto5m ago

Crypto Payment Cards with $1.5 Billion Monthly Transaction Volume, Stuck in the 1990s

Monthly crypto payment card transaction volume has reached $15 billion, but the industry's development stage is comparable to debit cards in the 1990s, before they became a mainstream financial staple. A key limitation is the lack of established daily financial relationships, such as direct salary deposits and recurring bill payments, with crypto wallets. Despite annualized transaction volumes of approximately $18 billion, the market is concentrated and immature. The leading provider, RedotPay, commands over half the market share. User adoption is heavily skewed towards emerging markets like Bangladesh, India, and Nigeria, where access to USD and stable financial services is limited, rather than developed economies. The sector features four primary business models: 1) Card-issuing infrastructure providers, 2) Exchange-affiliated cards for user retention, 3) Decentralized wallet/DeFi cards with self-custody but high complexity, and 4) Stablecoin-focused digital banks, which dominate transaction volume by offering integrated financial services. The article argues that a pure payment functionality is insufficient for long-term success, mirroring the historical trajectory of traditional debit cards. Future winners will need to: 1) Control the upstream flow of funds, 2) Secure defensible niches in underserved markets, and 3) Most crucially, build core account relationships that integrate into users' daily financial lives. Without this evolution, crypto cards risk remaining niche prepaid tools rather than becoming universal financial infrastructure.

Foresight News5m ago

Crypto Payment Cards with $1.5 Billion Monthly Transaction Volume, Stuck in the 1990s

Foresight News5m ago

$7.8 Billion in Theft and Losses Reveals the Truth: Security Costs Have Become an Unavoidable Liquidity Tax for DeFi

"7.8 Billion in Thefts Reveals the Truth: Security Costs Have Become DeFi's Unavoidable 'Liquidity Tax'" A summary of Q2 2026 data reveals that security risks are now a fundamental capital cost in DeFi, directly impacting user returns and liquidity decisions. DeFiLlama recorded 88 hacking incidents with quantified losses totaling $780.3 million in Q2. April was the worst month with $644.8 million lost. DeFi protocol attacks accounted for $735.8 million, while cross-chain bridge exploits resulted in $354.4 million in losses (note: some event categorizations overlap). Cumulatively, DeFi hacks have reached $7.85 billion, with bridge losses at $3.26 billion. The quarter highlighted two primary risk categories: high-value infrastructure vulnerabilities (e.g., bridges, oracles, admin keys) causing massive single losses, and more frequent contract logic bugs. This signals a critical market shift: from post-incident analysis to preemptive pricing of risk. Users and liquidity providers now implicitly factor in the security of the entire asset pathway—not just pool APY—into their decisions. This hidden "risk premium" manifests through wider spreads, higher liquidity incentives, and capital migration towards perceived safer routes. Cross-chain bridge risks, responsible for over $353 million in Q2 losses, exemplify this change. Asset routing credibility is now part of the transaction. Following incidents like KelpDAO and THORChain, markets are demanding safer bridges, asset insurance, and clearer risk disclosure, increasing the cost of capital for riskier pathways. Consequently, security spending is transforming from a defensive cost into a core distribution cost for attracting liquidity. Protocols must invest more in audits, bug bounties, real-time monitoring, and insurance to remain competitive. Users are increasingly demanding transparency about fund flow paths, associated risks, and contingency plans. The key indicators for the industry's direction will be whether capital continues consolidating in trusted channels, if projects delay launches for enhanced audits, if insurance premiums rise, and if aggregators start displaying security risk metrics. Q2 2026 may be remembered not just as a bad period, but as the point when DeFi underwent a fundamental asset risk repricing, where security became a persistent,隐性 tax on all on-chain activity.

Foresight News34m ago

$7.8 Billion in Theft and Losses Reveals the Truth: Security Costs Have Become an Unavoidable Liquidity Tax for DeFi

Foresight News34m ago

Ethereum at $1.5K: A tense stand-off forms, with ETH shorts under pressure

Ethereum faces a tense standoff, trading around $1,500 after a nearly 50% decline in the first half of 2026. While technicals and bearish derivatives positioning signal downside risk, key on-chain data suggests a potential trap for short sellers. Large transfers to exchanges are accompanied by significant stablecoin inflows, indicating whales may be preparing to buy rather than sell. Furthermore, strong user retention and rising ETH staking activity are reducing available supply. This clash between heavy bearish bets and solid holder conviction creates conditions for a possible short squeeze, making the current consolidation risky for those positioned for further downside.

ambcrypto35m ago

Ethereum at $1.5K: A tense stand-off forms, with ETH shorts under pressure

ambcrypto35m ago

Breaking News: The "Worker's Edition" Claude 5 Is Here, Everyone Can Use It

BREAKING: Claude Sonnet 5, dubbed "Fennec," is now the default model for all Free and Pro users. This mid-tier model boasts the strongest Agent capabilities in the Sonnet line yet, with performance rivaling the flagship Opus 4.8. It features autonomous planning and can utilize browser and terminal tools—capabilities previously exclusive to costly, large models. Key benchmarks highlight significant gains over its predecessor, Sonnet 4.6, in reasoning, tool use, coding, and knowledge work. Sonnet 5 scores 63.2% on SWE-bench Pro (surpassing GPT-5.5's 58.6%), 80.4% on Terminal-Bench 2.1, and 57.4% on Humanity's Last Exam (just 0.5% behind Opus 4.8). It even slightly outperforms Opus 4.8 in some knowledge tasks. Anthropic positions it as delivering ~90% of Opus's capability at a fraction of the cost. Pricing is aggressive: a limited-time promotional rate of $2 per million input tokens and $10 per million output tokens (reverting to $3/$15 after August 31). This undercuts Opus 4.8 ($5/$25) and GPT-5.5 ($5/$30). However, a new tokenizer may increase token counts by 1.0-1.35x, affecting final costs post-promotion. Notably, Sonnet 5 excels in security, with a mere 0.93% browser injection attack success rate, outperforming Mythos 5 and Opus 4.8. Its prompt injection defense matches Opus 4.8 at 0.19%. Launching amid uncertainty around the region-restricted Fable 5, Sonnet 5 is globally available. It targets the mid-market, offering near-flagship performance at a competitive price, effectively lowering the barrier for multi-Agent development and presenting a compelling alternative for cost-conscious developers.

marsbit49m ago

Breaking News: The "Worker's Edition" Claude 5 Is Here, Everyone Can Use It

marsbit49m ago

Trading

Spot