Me Yasa Jamie Dimon Da Manyan Bankunan Amurka Suke Cikin Fargaba Game Da Dokar "Clarity Act"?

Kamar yadda aka saba gani a dandalin damben MMA, haka fagen hada-hadar kudi na duniya yake fuskantar gagarumin fada a halin yanzu. A gefe guda, akwai tsofaffin dakarun Wall Street karkashin jagorancin Jamie Dimon, Shugaban babban bankin JPMorgan Chase. A daya gefen kuma, akwai dakarun fasahar zamani na Crypto karkashin jagorancin Brian Armstrong, Shugaban Coinbase.

Musabbabin wannan babban rikici ba wani abu ba ne illa wata dabarar doka da ke kokarin tsallake majalisar dattijan Amurka, wato "Digital Asset Market Clarity Act" (Dokar Clarity Act).

Tambayar da ke ruda mutane da yawa ita ce: Me yasa Jamie Dimon da sauran shugabannin manyan bankuna suke fadar maganganu masu zafi game da wannan dokar? Me yasa suke tsoronta?

A cikin wannan cikakken rahoton, zamu fito da boyayyen gaskiyar da ke tattare da dalilin da yasa manyan bankuna suke fargaba da wannan dokar fasahar crypto.

1. Yakin Neman Ajiye Kudade (The Battle for Deposits)

Babban tsoron da manyan bankuna ke da shi ba batun tsaro ba ne, batun kudi ne. Dokar Clarity Act tana neman bawa kamfanonin crypto damar bayar da tsarin riba ko garabasa (yields/rewards) ga mutanen da ke rike da dalar bogi ta crypto, wato Stablecoins (kamar USDC ko USDT).

A halin yanzu, idan mutum ya ajiye kudi a banki, riba kalilan ake bashi. Amma idan dokar nan ta tabbata, kamfanonin crypto zasu iya baiwa abokan ciniki damar samun riba mai tsoka a kan tsabar stablecoins dake walat din su.

Maganar gaskiya a nan ita ce: Idan talaka ko mai kudi zai iya barin dalolinsa a walat din crypto yana samun riba mai kyau ba tare da ya kai kudin banki ba, wa zai sake ajiye kudi a JPMorgan? Wannan zai sa bankuna su rasa biliyoyin daloli na ajiya (deposits), wanda shi ne jinin jikin kasuwancinsu.

2. Karyawa Bankuna Mulkin Kama-Karya (Breaking the Banking Monopoly)

Shekaru aru-aru, bankuna ne kadai ke da ikon tafiyar da tsarin kudi, tura kudi kasashen waje, da sarrafa ajiyar mutane. Jamie Dimon da kansa ya sha bayyana cewa idan kamfani zai karbi ajiyar kudi kamar banki, to kamata ya yi a sanya masa dokoki masu tsauri irin na banki.

Dimon ya koka da cewa bankuna suna da masu sanya ido (regulators) sama da 80 da ke bibiyarsu dare da rana, yayin da dokar Clarity Act ke neman bawa kamfanonin crypto damar yin ayyukan banki cikin sauki ba tare da bin wadancan dogon tsarin na hukumar "Bank Secrecy Act" (BSA) da dokokin yaki da halartar kudaden haram (AML) ba.

A takaice, bankuna suna tsoron gasa ta gaskiya. Sun saba da kasancewa sarakunan kudi, kuma ganin yadda kamfanonin crypto zasu samu halaccin doka (regulatory clarity) yana nufin mulkinsu ya zo karshe

3. "Damben" Jamie Dimon Da Brian Armstrong

Rikicin ya ruru ne bayan wata hira da Jamie Dimon ya yi da kafar yada labarai ta Fox Business. A cikin hirar, Dimon bai boye bacin ransa ba inda ya soki Shugaban Coinbase, Brian Armstrong, yana mai zarginsa da amfani da daruruwan miliyoyin daloli wajen gudanar da kamfen na tursasa 'yan majalisa (lobbying) domin su amince da dokar Clarity Act.

Dimon ya fito fili ya ce: “Babu wanda zai duka wa akan wannan batu.”

Armstrong bai yi shiru ba; ya mayar da martani ta hanyar wallafa hoton barkwanci a dandalin X (wanda aka sani da Twitter a baya), inda ya nuna kansa da Dimon a matsayin 'yan wasan hockey da ke shirin fafatawa. Armstrong ya bayyana Coinbase a matsayin mai fafutukar "yancin tattalin arziki" (economic freedom), yayin da ya fassara JPMorgan a matsayin tsohon tsarin da ke son tauye cigaba.

Menene Tasirin Hakan Ga Yan Crypto?

Halaccin Kasuwa: Idan har aka amince da dokar Clarity Act, za a raba iko tsakanin hukumar SEC da CFTC. Wannan zai kawo karshen cin zalin da hukumar SEC ke yi wa kamfanonin crypto ta hanyar kai su kotu ba tare da bayyananniyar doka ba.

Shigowar Manyan Masu Zuba Jari: Rashin tabbataccen tsarin doka shi ne ya hana manyan kamfanonin inshora da asusun fansho na duniya zuba kudi a harkar crypto. Wannan dokar ita ce kofar da zata bude ambaliyar biliyoyin daloli zuwa cikin kasuwar crypto.

Cigaban Tsarin Stablecoin: Stablecoins zasu zama halataccen tsarin biyan kudi na yau da kullum da gwamnati ta amince da shi, wanda zai saukaka tura kudi zuwa kowace kasa cikin dakika kadan kuma a farashi mai rahusa.

Shin Waye Zai Yi Nasara?

Yayin da majalisar dattijan Amurka ke shirin kada kuri'a a kan wannan dokar, fafutukar na ci gaba da kadawa. Shugabar tsare-tsare ta Coinbase, Faryar Shirzad, ta bayyana cewa lokaci ya yi da majalisa zata zartar da dokar domin kare masu amfani da kudi da kuma tabbatar da cewa Amurka ba ta yi baya ba a fagen fasaha.

A gefe guda kuma, Wall Street tana amfani da duk wata kafa ta siyasa da dukiya domin dakile wannan dokar ko kuma canza ta ta yadda zata amfani bankunan.

Wannan dambe ne tsakanin Jiya (Bankuna) da Gobe (Crypto). Kuma duk wanda ya yi nasara a wannan yakin, shi zai juya akalar tattalin arzikin duniya a shekaru masu zuwa.