国際決済銀行（BIS）は最近、暗号通貨分野における採用に影響を与える要因を調査しました。新たに公開されたレポートで、同銀行は小売ユーザーが暗号取引アプリで最も活発になる時期がビットコイン価格の上昇と一致していることを説明しています。国際通貨金融機関のこの観察は、暗号採用を促す要因として、銀行への不信感などの代替的な説明を決定的に否定しました。

暗号アプリのダウンロード数をユーザー採用とこの資産クラスへの投資と同等に見なすと、作業ペーパーは、暗号価格の変動と同期して動くこのユーザー活動が、他のどの人口層よりも若年男性に顕著に影響を与えることを説明しています。レポートは、2015年から本年までの95か国にわたる小売投資家の暗号取引アプリ使用状況を評価した研究結果に基づき、73％から81％の小売トレーダーが暗号通貨の価格下落の影響を受けたと推定しています。評価によれば、リスク志向のグループ（最も顕著なのは35歳未満の男性で、暗号アプリ利用者の40％）は、価格が上昇するたびに活動が増加し、逆の場合も同様のパターンを示します。

The report highlighted the case of China’s crackdown on cryptocurrencies and the civil unrest in Kazakhstan as two periods that prove the case in that there was a notable decrease in crypto exchange app activity owing to the price changes experienced at the time. Specific figures showed that more than 75% of all users trading Bitcoin via apps downloaded them when the price of the coin was above $20,000.

リスク許容度が暗号採用の要因となる

Economists from the bank, which serves as a central bank support system, also found that among US users, 20-year-old males are most willing to take on financial risk. This trend was lower for women of that and any other age bracket. For males, though, 40-year-olds were highly willing to engage in financially risky decisions. The BIS further highlighted that retail adoption is affected by regulatory restrictions, as seen with the number of total crypto trading app downloads per 100,000 people – a metric that ranks high in the US, Turkey, Singapore, and the UK but lowest in the likes of India and China.

To learn more about Bitcoin, visit our ビットコイン投資ガイド guide.

Binance CEO tells the cash-strapped to HODL; pushes for self-custody options for user assets

In a Monday AMAセッション hosted on a Twitter Space, Binance CEO Changpeng Zhao sharply cautioned that amid the capriciousness and instability of the current environment, novice crypto users rather just HODL. He similarly urged those short in cash to keep steady until the storm passes. CZ, who has received a lot of criticism for indirectly contributing to the recent events around FTX, added that crypto investment ought to be sought from the point of discretionary cash and a long-term view rather than cash needed for expenses in the near future.

Of course, the FTX questions came up, this time investigating the trust of crypto exchanges and their users. The CEO said Binance does not hold any debt or attempt to yield profits off user assets by loaning them to an external party. He also reiterated a stance of embracing user decentralization despite being the owner of a centralized entity. The crypto exec said Binance embraces decentralized protocols and even said the company could continue well in profit should its exchange business shut down for some reason.

自己管理が投資家の損失削減に役立つか？

Zhao has preached self-custody day since the start of the week, asserting in a Monday ツイート that it is a fundamental human right toward safety in crypto. He advised that those who would rather store their crypto via self-custody wallets should do so but start with little amounts. They could proceed to larger investments once they are more comfortable with the tech. Former MicroStrategy CEO Michael Saylor shares the view. Most recently, the Bitcoin advocate 指摘 that decentralization of power is necessary for crypto, bringing the essence of self-custody to the fore again. Specifically, its necessity to preserve the security & integrity of blockchain networks by creating a power of checks and balances.