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華爾街新動向:遠離區(qū)塊鏈,追逐加密貨幣

金融機構最近更加重視交易業(yè)務,而不是軟件業(yè)務。

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8月25日,華爾街的區(qū)塊鏈陣營傳來一個出人意料的消息:摩根大通將其歷時多年開發(fā)的企業(yè)區(qū)塊鏈Quorum出售給了總部位于布魯克林,由Ethereum聯(lián)合創(chuàng)始人喬?魯賓運營的區(qū)塊鏈軟件公司ConsenSys。

對于摩根大通來說,這是一個有趣的舉動。這家銀行業(yè)巨頭最近更加傾向于走向加密貨幣的世界,而不是遠離它。去年,摩根大通宣布推出自己的區(qū)塊鏈支付系統(tǒng)JPM Coin,現(xiàn)在還為加密貨幣交易所Coinbase和Gemini提供銀行服務。

那么,為什么摩根大通現(xiàn)在會決定放棄區(qū)塊鏈技術呢?我的直覺是,這表明華爾街對業(yè)務優(yōu)先順序的看法發(fā)生了轉(zhuǎn)變:金融機構最近更加重視交易業(yè)務,而不是軟件業(yè)務,而就其本質(zhì)而言,構建區(qū)塊鏈是一門軟件業(yè)務。

在很大程度上,正是這種趨勢促使加密貨幣交易所Binance美國公司首席執(zhí)行官凱瑟琳?科利本周宣布,2020將是“加密貨幣走向主流的一年”。她援引相關報告稱,從PayPal到高盛,許多金融巨頭都在更加認真地探索數(shù)字資產(chǎn)和加密貨幣。

這種對數(shù)字貨幣的友好態(tài)度與三年前銀行業(yè)領導者(其中包括摩根大通首席執(zhí)行官杰米·戴蒙)所吟唱的“比特幣不好,區(qū)塊鏈好”曲調(diào)相去甚遠。事實上,這并不奇怪:加密貨幣,以及科技股(權且稱之為“風險資產(chǎn)”)完全可以稱得上是2020年的最佳題材——它們是唯一不斷上漲的東西(好吧,除了高歌猛進的新冠確診病例之外)。

正如科利所指出的那樣,比特幣在過去十年的表現(xiàn)超過了其他贏家,后者包括蘋果、亞馬遜和微軟的股票,以及房地產(chǎn)。她在《財富》撰文指出,“表現(xiàn)最好的資產(chǎn)竟然沒有包含在傳統(tǒng)銀行模式之中,這不由得讓各大銀行產(chǎn)生興趣。”

高盛方面也在悄悄地重組其數(shù)字資產(chǎn)和加密貨幣團隊。2018年年中,在時任首席執(zhí)行官勞爾德?貝蘭克梵掌舵的最后時日,高盛曾表示有意開展比特幣交易業(yè)務。但就在當年晚些時候,隨著現(xiàn)任CEO蘇德巍接過權杖(再加上加密貨幣價格暴跌),這些計劃就被束之高閣了。今年2月,此前負責領導區(qū)塊鏈和加密貨幣業(yè)務的華爾街之星拉娜·亞雷德從高盛離職。但本月早些時候,高盛透露稱,該公司已經(jīng)聘任馬修?麥克德莫特擔任數(shù)字資產(chǎn)業(yè)務全球主管,同時還挖來了摩根大通Quorum項目前負責人奧利·哈里斯。“華爾街對加密貨幣的興趣顯然在復蘇。”麥克德莫特告訴CNBC財經(jīng)頻道。

與此同時,隨著金融公司之間的交易活動驟增,區(qū)塊鏈領域可能會出現(xiàn)更多的震蕩。例如,嘉信理財正在收購TD Ameritrade,這家公司不僅在開發(fā)自己的“可擴展區(qū)塊鏈”,而且很早就提供比特幣期貨交易業(yè)務——盡管嘉信理財并沒有表露出開展加密貨幣業(yè)務的興趣。

至少就目前而言,摩根大通還沒有完全放棄區(qū)塊鏈技術——作為剝離Quorum交易的一部分,該公司對ConsenSys進行了 “戰(zhàn)略投資”。魯賓在一份聲明中表示,“我們期待著在未來的許多年與摩根大通繼續(xù)開展多方面的合作,攜手開創(chuàng)一個企業(yè)區(qū)塊鏈和主網(wǎng)兼容的時代。”但這也可能意味著,銀行試圖自行打造區(qū)塊鏈的時代宣告終結,盡管有些人會說,他們所打造的根本就不是真正的區(qū)塊鏈。(財富中文網(wǎng))

譯者:任文科

8月25日,華爾街的區(qū)塊鏈陣營傳來一個出人意料的消息:摩根大通將其歷時多年開發(fā)的企業(yè)區(qū)塊鏈Quorum出售給了總部位于布魯克林,由Ethereum聯(lián)合創(chuàng)始人喬?魯賓運營的區(qū)塊鏈軟件公司ConsenSys。

對于摩根大通來說,這是一個有趣的舉動。這家銀行業(yè)巨頭最近更加傾向于走向加密貨幣的世界,而不是遠離它。去年,摩根大通宣布推出自己的區(qū)塊鏈支付系統(tǒng)JPM Coin,現(xiàn)在還為加密貨幣交易所Coinbase和Gemini提供銀行服務。

那么,為什么摩根大通現(xiàn)在會決定放棄區(qū)塊鏈技術呢?我的直覺是,這表明華爾街對業(yè)務優(yōu)先順序的看法發(fā)生了轉(zhuǎn)變:金融機構最近更加重視交易業(yè)務,而不是軟件業(yè)務,而就其本質(zhì)而言,構建區(qū)塊鏈是一門軟件業(yè)務。

在很大程度上,正是這種趨勢促使加密貨幣交易所Binance美國公司首席執(zhí)行官凱瑟琳?科利本周宣布,2020將是“加密貨幣走向主流的一年”。她援引相關報告稱,從PayPal到高盛,許多金融巨頭都在更加認真地探索數(shù)字資產(chǎn)和加密貨幣。

這種對數(shù)字貨幣的友好態(tài)度與三年前銀行業(yè)領導者(其中包括摩根大通首席執(zhí)行官杰米·戴蒙)所吟唱的“比特幣不好,區(qū)塊鏈好”曲調(diào)相去甚遠。事實上,這并不奇怪:加密貨幣,以及科技股(權且稱之為“風險資產(chǎn)”)完全可以稱得上是2020年的最佳題材——它們是唯一不斷上漲的東西(好吧,除了高歌猛進的新冠確診病例之外)。

正如科利所指出的那樣,比特幣在過去十年的表現(xiàn)超過了其他贏家,后者包括蘋果、亞馬遜和微軟的股票,以及房地產(chǎn)。她在《財富》撰文指出,“表現(xiàn)最好的資產(chǎn)竟然沒有包含在傳統(tǒng)銀行模式之中,這不由得讓各大銀行產(chǎn)生興趣。”

高盛方面也在悄悄地重組其數(shù)字資產(chǎn)和加密貨幣團隊。2018年年中,在時任首席執(zhí)行官勞爾德?貝蘭克梵掌舵的最后時日,高盛曾表示有意開展比特幣交易業(yè)務。但就在當年晚些時候,隨著現(xiàn)任CEO蘇德巍接過權杖(再加上加密貨幣價格暴跌),這些計劃就被束之高閣了。今年2月,此前負責領導區(qū)塊鏈和加密貨幣業(yè)務的華爾街之星拉娜·亞雷德從高盛離職。但本月早些時候,高盛透露稱,該公司已經(jīng)聘任馬修?麥克德莫特擔任數(shù)字資產(chǎn)業(yè)務全球主管,同時還挖來了摩根大通Quorum項目前負責人奧利·哈里斯。“華爾街對加密貨幣的興趣顯然在復蘇。”麥克德莫特告訴CNBC財經(jīng)頻道。

與此同時,隨著金融公司之間的交易活動驟增,區(qū)塊鏈領域可能會出現(xiàn)更多的震蕩。例如,嘉信理財正在收購TD Ameritrade,這家公司不僅在開發(fā)自己的“可擴展區(qū)塊鏈”,而且很早就提供比特幣期貨交易業(yè)務——盡管嘉信理財并沒有表露出開展加密貨幣業(yè)務的興趣。

至少就目前而言,摩根大通還沒有完全放棄區(qū)塊鏈技術——作為剝離Quorum交易的一部分,該公司對ConsenSys進行了 “戰(zhàn)略投資”。魯賓在一份聲明中表示,“我們期待著在未來的許多年與摩根大通繼續(xù)開展多方面的合作,攜手開創(chuàng)一個企業(yè)區(qū)塊鏈和主網(wǎng)兼容的時代。”但這也可能意味著,銀行試圖自行打造區(qū)塊鏈的時代宣告終結,盡管有些人會說,他們所打造的根本就不是真正的區(qū)塊鏈。(財富中文網(wǎng))

譯者:任文科

Yesterday, there was a surprise announcement from Wall Street’s blockchain contingent: J.P. Morgan sold Quorum, the enterprise blockchain the bank spent years developing, to ConsenSys, the Brooklyn-based blockchain software firm run by Ethereum co-founder Joe Lubin.

It was an interesting move by the big bank, which has lately been heading more towards the world of cryptocurrency than away from it. Last year, J.P. Morgan announced its own blockchain-based payment system, JPM Coin, and is now also banking crypto exchanges Coinbase and Gemini.

So why would J.P. Morgan decide to jettison its blockchain tech now? My hunch is that it reflects a shift in priorities on Wall Street, where financial firms have lately put greater emphasis on trading businesses than software businesses—and building blockchains is, at its core, a software business.

The trend is a major reason why Catherine Coley, CEO of major crypto exchange Binance's U.S. arm, this week declared 2020 to “be the year cryptocurrency goes mainstream,” noting reports that finance heavyweights from PayPal to Goldman Sachs are more seriously exploring digital assets and crypto.

The friendly attitude towards digital currency is a far cry from the “Bitcoin Bad, Blockchain Good” tune that bank leaders (including J.P. Morgan CEO Jamie Dimon) were singing just three years ago. It’s not exactly surprising: Cryptocurrency, along with tech stocks—risk assets, as you might call them—are basically the best story to come out of 2020: they’re the only things that keep going up (well, besides COVID-19 cases).

As Coley points out, Bitcoin outperformed other winners including Apple, Amazon and Microsoft stocks, as well as real estate, over the past decade: “When the best performing asset doesn’t even exist in traditional banking models, banks get interested,” she writes in Fortune.

Goldman, for its part, has also been quietly reorganizing its digital assets and cryptocurrency team. The bank teased a Bitcoin trading operation in mid-2018, during then-CEO Lloyd Blankfein’s final days at the helm, but those plans languished after current CEO David Solomon took over later that year (and cryptocurrency prices collapsed). Then this February, Goldman lost Rana Yared, who was helping to lead its blockchain and crypto efforts. But earlier this month, Goldman revealed it had hired a new global head of digital assets, Mathew McDermott, while also poaching a former leader of J.P. Morgan’s Quorum project, Oli Harris. “It definitely feels like there is a resurgence of interest in cryptocurrencies,” McDermott told CNBC.

Meanwhile, with a flurry of deal activity among financial firms, there may be more blockchain shakeouts. Charles Schwab, for one, is in the process of acquiring TD Ameritrade, which has its own "scalable blockchain" in the works, and was also early to offer Bitcoin futures trading—though Schwab has not expressed interest in getting into the crypto business.

For now, J.P. Morgan is keeping at least one foot in blockchain tech, taking a “strategic investment” in ConsenSys as part of the Quorum spinoff: “We look forward to continuing our multifaceted partnership with J.P. Morgan for many years and ushering in an era of enterprise and mainnet compatibility,” Lubin said in a statement. But so it may also end the era of banks trying to build their own blockchains—which, some would argue, were never truly blockchains at all.

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