TE
TechEcho
Home24h TopNewestBestAskShowJobs
GitHubTwitter
Home

TechEcho

A tech news platform built with Next.js, providing global tech news and discussions.

GitHubTwitter

Home

HomeNewestBestAskShowJobs

Resources

HackerNews APIOriginal HackerNewsNext.js

© 2025 TechEcho. All rights reserved.

Facebook reveals its cryptocurrency Libra

1176 pointsby timcc50almost 6 years ago

200 comments

mekokaalmost 6 years ago
Let&#x27;s play a game of predictions.<p>Regardless of HN&#x27;s opinion of Facebook (and regardless of my own for that matter) I predict that this thing will work.<p>This is only one thing my crystal ball showed me.<p>Facebook&#x27;s presence in developing economies is massive. To the point of being synonymous with &quot;The Internet&quot; in a number of places. But they&#x27;ve had a nagging problem. People in these economies consume contents, but do not buy. Even when they have some buying power, access to credit cards is harder to come by. So they&#x27;re basically seen as online leeches, and you simply fit them in the &quot;expense&quot; category of your media production. Also, due to their buying impotence they&#x27;re almost <i>immune</i> to advertisement. Over the next few months it&#x27;s all going to change. Multiple agreements will be signed with various financial institutions and probably more with various telecom in those regions, to allow people to load up their accounts with fbcoins and join the Great Internet Spending Frenzy. Basically turning them overnight into consumers, ripe for the picking.<p>I foresee big media producing companies in the developed world to be the first to take advantage of this (Disney, Valve, Netflix, YouTube, NYT, various online courses and certifications, etc). Shipping to those regions remains a challenge, so only soft goods for now. IKEA and Walmart will allow fbcoins, but just to be able to sell through their Facebook Store, oh I forgot about those. Anyways.<p>Next year, Google and Amazon will announce their own <i>stablecoin</i>.<p>The year after that, Google will announce that they&#x27;re shutting theirs.
评论 #20220894 未加载
评论 #20221574 未加载
评论 #20222479 未加载
评论 #20221650 未加载
评论 #20221512 未加载
评论 #20221320 未加载
评论 #20221997 未加载
评论 #20221191 未加载
评论 #20222478 未加载
评论 #20221978 未加载
评论 #20221751 未加载
评论 #20225876 未加载
评论 #20222813 未加载
评论 #20221013 未加载
评论 #20222997 未加载
评论 #20296595 未加载
评论 #20221117 未加载
评论 #20222628 未加载
评论 #20222633 未加载
vivekdalmost 6 years ago
This is an interesting story and I would like to learn more about libra-coin. Unfortunately I think hackernews has a strong anti-facebook bias that is making the opinions here nearly universally one sided.<p>I think we can say three things fairly uncontroversially in favor of this<p>1. The world could use an online independent currency<p>2. Adding stability to blockchain currencies and having that work on a large scale is a good thing<p>3. Unlike government issued currencies, any monopoly or control facebook derives isn&#x27;t done through force, it&#x27;s by making a coin better than all the other coins. Other people are still free to make their competing coins.<p>That said I understand the detractions that many here are presenting. I just wish there could be a deeper exploration of both the pros and cons.
评论 #20217325 未加载
评论 #20217774 未加载
评论 #20217383 未加载
评论 #20217217 未加载
评论 #20217487 未加载
评论 #20219105 未加载
评论 #20217824 未加载
评论 #20218709 未加载
评论 #20217378 未加载
评论 #20222135 未加载
评论 #20219698 未加载
评论 #20218548 未加载
评论 #20217419 未加载
评论 #20218169 未加载
评论 #20220080 未加载
评论 #20218322 未加载
评论 #20218171 未加载
评论 #20219625 未加载
评论 #20217872 未加载
评论 #20217399 未加载
评论 #20230798 未加载
评论 #20218124 未加载
jpmattiaalmost 6 years ago
Again: A ledger that is not decentralized is a bank database, not a cryptocurrency.<p>As near as I can tell, Zuckbucks are nothing more than the JPMorganCryptocurrency but with a bigger consortium. The only difference seems to be who is given write privileges to the database.
评论 #20217178 未加载
评论 #20218008 未加载
评论 #20217093 未加载
评论 #20217215 未加载
评论 #20217882 未加载
评论 #20221415 未加载
评论 #20217921 未加载
评论 #20217411 未加载
评论 #20224214 未加载
评论 #20220022 未加载
评论 #20221983 未加载
评论 #20218414 未加载
评论 #20218209 未加载
评论 #20217720 未加载
beezischillinalmost 6 years ago
I would never ever ever ever trust PayPal, Spotify, Mastercard and the likes to manage my money.<p>It simply sounds like lots and lots and lots of happy little &quot;accidents&quot; and &quot;bugs&quot; waiting to happen for political opponents as they lose their livelihoods. The people who came up with the whole &quot;Manifest Observable Behavior&quot; and random &quot;Suspended for Breach of Community Standards&quot; violations have no place around anyone&#x27;s money.<p>It&#x27;s not even related to protecting a specific political ideology, we can see daily how these companies treat users regardless of any specific belief or opinion on politics. I would rather not get &#x2F; see anyone deplatformed from owning money should something like this become big.
评论 #20214325 未加载
评论 #20218703 未加载
mwest217almost 6 years ago
I feel like the biggest losers here are open consensus-based cryptocurrencies like [Stellar](<a href="https:&#x2F;&#x2F;stellar.org" rel="nofollow">https:&#x2F;&#x2F;stellar.org</a>) and [Ripple](<a href="https:&#x2F;&#x2F;ripple.com" rel="nofollow">https:&#x2F;&#x2F;ripple.com</a>). Libra seems to have the same niche: a consensus-based blockchain protocol rather than proof of work. I fear that having the clout of a bunch of tech companies behind it will get consumer buy-in much faster than Stellar will (with IBM World Wire).<p>A stablecoin backed by a consortium of large companies is an interesting design choice; it&#x27;s more intuitive for consumers, but seems like it opens itself up to arbitrage, taking advantage in price differences between the different currencies the crypto is pinned to. I much prefer Stellar&#x27;s decentralized exchange, where tokens can be issued by any user and exchanges from one token type to another happen transparently via people advertising exchange rates.
评论 #20217326 未加载
评论 #20213786 未加载
评论 #20220339 未加载
WAalmost 6 years ago
&gt; &quot;On the first point, Marcus said that Facebook is enforcing a strict separation between users’ social data—their Facebook likes, photos, etc—and the financial data that will be available on Libra’s network. There will not, he insisted, be a readily available data trove connecting users’ transactional data to their Facebook profiles, and users’ funds themselves will be cryptographically secured. “We don’t want financial data and social data to be commingled,” he explained.&quot;<p>WhatsApp showed that eventually, the data is likely to be merged.
评论 #20217815 未加载
评论 #20214686 未加载
评论 #20219641 未加载
评论 #20220547 未加载
dmjealmost 6 years ago
Kind of interested in what this means for a non Facebook user. As one of those I already feel sometimes marginalised when content is shared on their walled garden and I need my wife to look at the dates for my kids’ sporting events because they’re only published on Facebook. Now I’m going to be unable to carry out financial transactions, too.
评论 #20217273 未加载
评论 #20217513 未加载
评论 #20219517 未加载
评论 #20217277 未加载
评论 #20217785 未加载
评论 #20219983 未加载
评论 #20217294 未加载
评论 #20217270 未加载
评论 #20217288 未加载
fnoofalmost 6 years ago
From the white paper:<p>&gt; &quot;Libra’s mission is to enable a simple global currency and financial infrastructure that empowers billions of people.&quot;<p>They do this by issuing coins in exchange for fiat money, which is held by the reserve.<p>&gt; &quot;Interest on the reserve assets will be used to cover the costs of the system, ensure low transaction fees, pay dividends to investors who provided capital to jumpstart the ecosystem [...]. Users of Libra do not receive a return from the reserve.&quot;<p>Conceptually this is a bank, but with no interest returned to users, no financial oversight from governments, controlled by Silicon Valley&#x27;s top companies.
评论 #20212923 未加载
评论 #20212904 未加载
评论 #20212968 未加载
评论 #20213842 未加载
评论 #20214889 未加载
评论 #20216758 未加载
评论 #20214595 未加载
评论 #20215993 未加载
评论 #20213072 未加载
评论 #20214313 未加载
评论 #20212992 未加载
评论 #20214484 未加载
评论 #20214878 未加载
评论 #20214543 未加载
评论 #20214793 未加载
InTheArenaalmost 6 years ago
Certain activist groups put constant pressure on Facebook to “deplatform” and remove pages for both legitimate in it legitimate reasons.<p>Now we’re talking about giving Facebook control over the very means to do financial transactions. How long Before this also becomes weapononized, by Facebook, or by activists?<p>there is a reason why popular currency systems has been the purview of governments. We’re creating an awful lot of social repercussions by allowing corporations to own the basic financial fabric.
评论 #20217846 未加载
评论 #20213291 未加载
评论 #20214077 未加载
freshfeyalmost 6 years ago
Official site: <a href="https:&#x2F;&#x2F;developers.libra.org&#x2F;" rel="nofollow">https:&#x2F;&#x2F;developers.libra.org&#x2F;</a> Whitepaper: <a href="https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;white-paper&#x2F;" rel="nofollow">https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;white-paper&#x2F;</a>
评论 #20213280 未加载
bufferoverflowalmost 6 years ago
What I really don&#x27;t get is the regulatory aspect. They are creating a financial derivative asset&#x2F;instrument. To be moved across the borders. In what freaking universe will the regulators not be all over it with endless KYC&#x2F;ML rules?
评论 #20217179 未加载
评论 #20217629 未加载
评论 #20216449 未加载
评论 #20220625 未加载
评论 #20216238 未加载
jmullalmost 6 years ago
I kinda doubt cryptocurrency&#x2F;blockchain tech will be anything but an implementation detail in this project.<p>Assuming this catches on, the idea that Facebook and it&#x27;s other partners would let this get out of their control seems very unlikely -- and if it did get out of their control, I think they&#x27;d simply abandon, disavow, and&#x2F;or fork it.<p>The appeal of this to users is going to be integration with the social networks these companies run, so they are holding effective veto power since they can change its relevance to low at any time.<p>Meanwhile, the partners will be tracking every transaction and monetizing that information. Apparently, you can use a pseudonym when using this currency, but I&#x27;m sure they will connect any pseudonyms you use to your profile the second you first use them. Wonderful.
babyalmost 6 years ago
I&#x27;m biased as I&#x27;m working on this project. But I&#x27;m super happy it&#x27;s finally out there :) There&#x27;s a lot of really cool cryptography and tech on this project and there&#x27;s still a lot for people to discover!
评论 #20213800 未加载
评论 #20211125 未加载
评论 #20220441 未加载
评论 #20210997 未加载
评论 #20211000 未加载
评论 #20215047 未加载
评论 #20211109 未加载
评论 #20211029 未加载
评论 #20215004 未加载
评论 #20211049 未加载
评论 #20211231 未加载
评论 #20212685 未加载
amasadalmost 6 years ago
Private money is not a new thing. In fact, the predecessor to paper money was retail bank issued notes. I think it&#x27;s still the case in Scotland: <a href="https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Banknotes_of_Scotland" rel="nofollow">https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Banknotes_of_Scotland</a><p>The concept of nationalized central banks is new.
评论 #20213057 未加载
评论 #20217190 未加载
评论 #20215351 未加载
评论 #20213679 未加载
schmichaelalmost 6 years ago
This reads a lot like the founding of the Federal Reserve:<p>&gt; [The Federal Reserve] had several key components, including a central bank with a Washington-based headquarters and fifteen branches located throughout the U.S. in geographically strategic locations, and a uniform elastic currency based on gold and commercial paper.<p>1. Geographically dispersed<p>2. Value elastic but secured by assets<p>3. Controlled by a small group of people<p>4. Goal of stable long term prices<p>Key differences between this and the US federal reserve seem to be:<p>1. Libra involves no state actors<p>2. Libra is pay-to-play (vs representative democracy for directors of the US Fed)<p>3. Libra has no employment objective<p>4. Libra has no interest objective (outside of maintaining investment in its reserve assets)<p>5. Libra is &quot;fully backed by real assets&quot;<p>While personal socio-political beliefs make #1 a huge concern for me, and #2 has been widely critiqued already, #3 - the US Fed&#x27;s employment objective - is an interesting difference to me.<p>I have not read all of the Libra material yet, but so far this belief is the only reference I&#x27;ve found to Libra&#x27;s relationship to work:<p>&gt; We believe that people have an inherent right to control the fruit of their legal labor.<p>Seems simple enough on the face of it. An extremist could perhaps liken it to &quot;taxes are theft,&quot; but I don&#x27;t see evidence of that in one vague sentence.<p>I think instead this outlines a key philosophical difference between the US Fed and the Facebook Fed:<p>The US Fed has an objective of (indirectly through labor) distributing capital.<p>The Facebook Fed has an objective of easing the flow of capital.<p>The Facebook Fed therefore is neutral, amoral, technocratic in its approach: make what you have easier to use.<p>Whereas the US fed (and I suspect other federal reserves) have a non-fiscal social component builtin: increase capital distribution through availability of labor.
评论 #20219849 未加载
评论 #20218081 未加载
danny8000almost 6 years ago
I remember Disney Dollars as a kid that were pegged to US 1:1 and could be used at any Disney-owned property. They were basically gift cards with no expiration date. They ended up not being cost efficient, so Disney discontinued them in 2016.<p>So, if the Libra ends up costing more to run than in earns (hardware, software, labor, and the cost of pegging it to a basket of currencies), then they won’t continue funding it. Since it’s not going to be a speculative currency like bitcoin, how will they pay or it? Will they take a transaction fee?<p>I also keep on reading that it will help the unbanked in the developing world facilitate payments. I guess it can be risky and hard to carry a lot of cash around for large purchases in parts of the world. But for this to work do you need better identity management? Or if you hold the cell phone, you hold the wallet? If it’s target is micro payments, then there are already many expanding options.<p>So that leave cross-border transfers, which is a huge thread to the US’s economic dominance. It is much harder to embark Iran if you don’t control the currency they sell their own for.
评论 #20220425 未加载
tomglynchalmost 6 years ago
I&#x27;m very concerned this will give Facebook even greater control. I think it is likely Facebook will push Libra towards people in countries where their currency is volatile, such that it becomes the standard. I do see the positives, that they can now rely on a currency to be stable. But what do you think, could this be an issue and if so, do you think this can be overall beneficial for people from these places?
mattferdereralmost 6 years ago
What I haven&#x27;t heard is how they plan to help US Citizens properly report taxes on any gain or loss when spending Libra.<p>Either the IRS will need to look the other way or this will become a huge hurdle for mass adoption in the US.<p>My hope is this helps get the IRS moving faster at making some laws based around using cryptocurrency to buy &amp; sell goods. I do get that this isn&#x27;t an easy decision to make. At some point someone will have to make it though. You cannot expect people to use a different currency on a daily basis &amp; report any gain or loss on the currency at the time of transaction. It would also be an accounting nightmare to decide which coins you spent at the time of purchase.<p>My guess is they&#x27;re waiting for cryptocurrency to become popular enough that it forces their hand &amp; they have to create some type of leniency regarding gains &amp; losses on each transaction.
评论 #20217377 未加载
knoctealmost 6 years ago
While I agree with most commenters here that are skeptical about a surveillance-based currency, I&#x27;m very positive about the idea of having mainstream apps such as Whatsapp and Messenger introduce the concept of paying with your phone without needing to link your accounts with any bank account or debit&#x2F;credit card, because the money is in theory being held by your device (under the hood, just holding a private key of a &quot;blockchain&quot; account that has a non-decentralized-stablecoin balance, I know).<p>This will enable people to start thinking of money in a more pseudo-P2P way, get comfortable with it, and in turn allow them to start understanding better what cryptocurrencies really are (which Libra is not). What cryptocurrency and Libra share is, at least, the concept of ownership via public&#x2F;private key cryptography, as opposed to identity-based systems such as paypal&#x2F;banks&#x2F;credit&#x2F;debit. This has some UX-side-effects that people will start to learn, such as the push vs pull system (e.g. it&#x27;s not anymore the merchant who scans your QR code, but the other way around, the customer scans the merchant&#x27;s payment-info).
评论 #20212311 未加载
评论 #20212284 未加载
leshokuninalmost 6 years ago
It’s going to be interesting. “Unlike previous stablecoins, Libra will not be issued by a central party. Instead, Facebook has enlisted 27 fellow Silicon Valley titans—among them PayPal, Visa, Spotify, Mastercard, Uber, and eBay—to operate as preliminary “validator nodes” who will each share a transparent copy of a vast ledger of transactions reflecting all the activity on the network.”<p>That sounds amazingly dystopian. I mean, that’s literally a money built on an oligarchy. By design.<p>I understand people trust these services ( to the extent they keep using them), but the playing field should be flatter in crypto. Unlike the article’s suggestions that Ripple is toast, I can imagine it’s putting such coins in a position to be very competitive, more open, and not run by the companies above.
评论 #20211138 未加载
评论 #20212637 未加载
评论 #20215024 未加载
评论 #20212805 未加载
评论 #20212587 未加载
评论 #20214844 未加载
评论 #20213029 未加载
评论 #20216708 未加载
评论 #20213810 未加载
评论 #20216386 未加载
评论 #20214784 未加载
评论 #20214773 未加载
评论 #20213220 未加载
JaimeThompsonalmost 6 years ago
Given the absolutely horrible record of many of the companies involved in this in regards to not abusing our private information, Facebook using phone numbers given for 2FA is but one example, why should we trust this?<p>I am sure that if they leak or misuse our private information that the TOS will protect them from having to make us whole again...
JaRailalmost 6 years ago
I&#x27;m surprised to see Coinbase as a founding member. I wonder if they&#x27;ll allow direct conversions between Libra and other cryptocurrencies.<p>It&#x27;s interesting to note that there aren&#x27;t any device manufacturers as members. No Google, Apple, Samsung, HTC, etc. That&#x27;s going to make this an uphill battle for them. It implies that those companies have their own ideas. Or, perhaps, they just aren&#x27;t willing to partner with FB right now given their toxic reputation for privacy.
评论 #20217553 未加载
cujic9almost 6 years ago
To me, the biggest roadblock to success is the number of corporate stakeholders.<p>For this to succeed, the advantages of having that many stakeholders (big budget, large audience) must outweigh the disadvantages (two-dozen different and often conflicting opinions).<p>I&#x27;ve never seen a large number of corporations collaborate successfully. A strategic partnership between two companies is hard enough. Two dozen? Good luck.<p>Especially when some of the partners have a vested interest in this failing. (Visa, Mastercard, Paypal, Stripe.)<p>My bet is on existing crypto-currencies solving this problem becuse they can focus on a solution without being constrained by corporate interests.<p>If Libra launches, I predict the following:<p>1. It will be very, very delayed. 2. Facebook will take sole ownership and shed all the corporate partners. 3. At that point, they will give up on crypto and just build (or buy) a plain old peer-to-peer payment system.<p>Alternative 3: They will piggy back on an existing crypto currency.
评论 #20219551 未加载
chjalmost 6 years ago
It&#x27;s a currency, but I don&#x27;t see how it is crypto. No mining, centralized control by a few validators. Old wine in new bottles.
评论 #20213188 未加载
评论 #20213248 未加载
mooseyalmost 6 years ago
If this succeeds, it will be a data collection tool the likes of which the world has never seen, which is why so many companies are willing to put their name on it. The data, along with ML&#x2F;AI, and our contemporary understanding of the human mind, means that this is a major step towards control that we can&#x27;t understand.<p>Dr. Harari explains it better than I do in &quot;21 Lessons for the 21st Century&quot;, but this tool is part of a suite of data collection utilities that will be dissected and used in order to further subjugate our mental energies to the will of the tech giants running our phones. If you don&#x27;t believe that this is already happening, hang out with some teenagers. I would say that there is a large contingent of people for whom this is already true, and once that group is large enough, then how can you assert yourself against that pipeline of information?<p>Every bit of data we give away for free is a massive mistake. I hope that Europe figures out a regulatory framework that works.
评论 #20215307 未加载
评论 #20213463 未加载
评论 #20213268 未加载
评论 #20214585 未加载
评论 #20216540 未加载
评论 #20216535 未加载
评论 #20215394 未加载
rollulusalmost 6 years ago
How is this going to fly with the constant flood of (justified) hate that Facebook is receiving the past year? Apart from the technology, I feel like they have more chance if they&#x27;d brand it without the Facebook name on it.
评论 #20212564 未加载
评论 #20211312 未加载
prependalmost 6 years ago
“Moreover, Marcus insisted that the $10 million buy in would not grant validators exclusive access to users’ transactional data.“<p>So they don’t get exclusive data. That’s an odd statement, it just means that data can be sold to others as well.
评论 #20211320 未加载
ei8htyfi5ealmost 6 years ago
I&#x27;ve lived in China and seen how this plays out. Facebook&#x27;s new Libra Blockchain will be a centralized bank but way more dangerous. It will allow for a worldwide social credit system. If Facebook decides to remove you for wrong speak or wrong think, your money and many services will be inaccessible. Further, they have no mandate like the central bank does to increase employment. Their mandate is to make money for corporations. This will lead to global social unrest.<p>This will put some third-world countries in complete control by Facebook. I mean, whoever runs the currency, is the country. But in this case, it will be completely controlled, as it&#x27;s also many of those countries main source of communication.<p>Therefore, if Facebook&#x27;s Libra is a countries main currency and social network, that country will be owned by Facebook.<p>Finally, the regulations on crypto and blockchain are still new. This is in Facebook&#x27;s advantage as they can start lobbying to have these laws in their favor. They can argue for less transparency, as they are a bank, and this fits with their new privacy marketing message.<p>This is extremely subversive and Europe is already rightly pushing back. America will be next. On one hand, I love seeing the existing financial system panic when new technology comes out. On the other hand, under no circumstances will I accept a world where Facebook started the one world currency.
评论 #20218917 未加载
评论 #20218929 未加载
评论 #20218949 未加载
评论 #20219856 未加载
评论 #20220030 未加载
评论 #20218914 未加载
Cakez0ralmost 6 years ago
If they succeed in getting mass adoption for this thing, I feel like the companies on-board have basically bootstrapped themselves to sovereignty. It&#x27;ll be interesting to see how that plays out, if nothing else!
评论 #20213014 未加载
giaouralmost 6 years ago
Is there some legal shield that prevents regulators from simply saying that Libra is a bank and therefore subject to regulation as such?
评论 #20214613 未加载
samdungalmost 6 years ago
<i>A basket of bank deposits and short-term government securities will be held in the Libra Reserve for every Libra that is created, building trust in its intrinsic value.</i><p>Soon &#x27;The Libra Reserve&#x27; will hold only a 10th of the total Libra Coins in circulation (fractional reserve). A global federal reserve in the making.
muratgozelalmost 6 years ago
&quot;it will be backed by a collection of low-volatility assets, such as bank deposits and short-term government securities in currencies from stable and reputable central banks.&quot; from the whitepaper: <a href="https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;white-paper&#x2F;#the-libra-currency-and-reserve" rel="nofollow">https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;white-paper&#x2F;#the-libra-currency-and-...</a><p>It&#x27;s like one to one copy of the traditional monetary system with speed of transactions improved. The volatility of low-volatile assets still contradictive in the long term (I mean just ~5 years) So I don&#x27;t see any innovative approach in the terms of social order and decentralization.
评论 #20212640 未加载
评论 #20212903 未加载
评论 #20211357 未加载
the_dukealmost 6 years ago
I&#x27;d argue that credit cards are conceptually not very different. Users pay the fees both directly (annual costs, interest) and indirectly (increased prices due to vendor fees), and the shareholders reap the benefits.<p>Just like credit cards, and the various digital currencies like Bitcoin (where exchanges have plenty of regulation and reporting requirements to deal with!), this will be subject to regulation and governmental oversight.<p>Note that I&#x27;m not a fan of this at all, due to the company behind it.<p>But it&#x27;s not a groundbreaking new concept, or very scary if seen in isolation.
评论 #20213692 未加载
v7p1Qbt1imalmost 6 years ago
This seems to be Facebooks WeChat play. It makes absolute sense for them to do this and there is very little friction for onboarding.<p>I can see them adding contracts (rental for example) to the chain at some point.<p>Validators are hand picked. So it‘s distributed but no really that much. Again, it makes sense from a business perspective. But it‘s certainly expanding FBs power and influence as a platform even more. I can see this getting pretty crazy in developing countries where FB might be the platform for everything at this point. Concerning.
ajconwayalmost 6 years ago
From the description, it’s a pseudonymous network with publicly observable transactions. I get that Facebook doesn’t have the best track record in regard to privacy, but it’s not immediately obvious which exact aspect of privacy should we be worried about when using this network.
asaphalmost 6 years ago
&gt; The aim, then, is to get to 100 new validators by 2020, and achieve something close to 1,000 transactions a second—roughly 200 times the sum Bitcoin can currently handle, and around half the capacity of Visa.<p>My reactions to the above:<p>1. 1000 transactions per second seems low. This doesn&#x27;t feel very scalable to me.<p>2. Visa has capacity to handle <i>only</i> around 2000 transactions per second? I would have assumed it was higher. Matching or exceeding the capacity of Visa feels more within the reach of a startup than I thought.
评论 #20213290 未加载
评论 #20213375 未加载
评论 #20214879 未加载
Moxdialmost 6 years ago
this is giving the power of governments to tech companies, and im not sure how i feel about that, at least bitcoin is truly decentralized
评论 #20214084 未加载
评论 #20211395 未加载
评论 #20212606 未加载
评论 #20213271 未加载
laurent123456almost 6 years ago
I&#x27;m curious how it will work exactly. I guess people will need to buy this currency with real money, and then they can spend it on these services. But why would anyone bother to do this when they can directly use their debit&#x2F;credit card? Or is the plan to someone push people to use this currency by either giving them discount initially, or by not giving any other alternative means of payments?
评论 #20212708 未加载
评论 #20213871 未加载
Tooalmost 6 years ago
Reminder what happens when WeChat becomes your currency: <a href="http:&#x2F;&#x2F;www.bbc.com&#x2F;news&#x2F;blogs-china-blog-48552907" rel="nofollow">http:&#x2F;&#x2F;www.bbc.com&#x2F;news&#x2F;blogs-china-blog-48552907</a>
clearfundalmost 6 years ago
What this truly mimics is a &#x27;security&#x27; analogous to a basket of foreign currency traded as an ETF. Once you give them US $1 it is backed by a POOL of currency from multiple countries (i.e. the other people who have traded their currency for Libra).<p>Once you decide to take your US $1 you will get back a different amount based on the underlying value of the pool based on the fluctuating FX market. May be &gt;=&lt;...no one will know.<p>Given they are seeking to bring in &quot;underbanked&quot; people (i.e. the charitable patina on this operation) there will be a focused % of currency in the pool from countries with a high % of underbanked people. Logic says this will likely be less stable currency than say the US $, etc.<p>Thus, your US $ will be diluted by &quot;lesser&quot; or more &quot;volatile&quot; currencies and will diminish the purchase power of your US $1. Conversely it will increase the purchase power of the lesser currency.<p>Thoughts?
评论 #20217510 未加载
seanalltogetheralmost 6 years ago
&gt; Indeed, that’s why Calibra, the wallet software that will hold Libra Coins, was made a subsidiary of Facebook<p>The big question for me is whether or not wallets and therefore transactions can be created without needing an &#x27;account&#x27; somewhere, just like all other cryptocurrencies. Can I participate in the economy anonymously or do all wallets need to be registered like a traditional bank account.
评论 #20212913 未加载
评论 #20212751 未加载
kerngalmost 6 years ago
Facebook is notorious for not being able to control their platform and leak data for various reasons due to bugs and lack of due diligence (to keep at non-malicious).<p>If they become a bank I certainly would not put my money in there.
jillesvangurpalmost 6 years ago
Facebook decided to reinvent the wheel and make it closed source. IMHO this is a mistake and a bad idea for any wannabe blockchain platform. I am curious about their motives for doing this. I&#x27;m guessing that it is simply that their plan is the same as that of any traditional payment solution: create a walled garden and profit through transaction fees. This requires a closed ecosystem.<p>In terms of design, this actually looks a lot like Ripple&#x2F;Stellar. The difference being that those two are open source and anyone can run an independent validator. There&#x27;s a growing number of those. And with IBM building world wire on top of Stellar together with a few dozen banks, here&#x27;s now some traction for that platform at least.<p>It might still work for Facebook and I would not be surprised to learn that they took some of the Apache&#x2F;MIT licensed code of either platform. but I&#x27;d say they&#x27;ll have huge issues with people simply not trusting them with their money. They will also need links to other platforms via some exchanges. Again, Stellar comes to mind. It comes with an exchange and an ecosystem of fintech players already connected to that.<p>Facebook is of course not the only company planning to do their own coin. Telegram has similar plans and there are a gazillion of dapps on Ethereum and similar chains. Most of these seem to be struggling to find meaningful amounts of users. Unlocking crypto for the wider public is not something that anyone has accomplished yet. FB might pull this off given their large user base.
newscrackeralmost 6 years ago
&gt; Facebook says its “stablecoin,” will empower billions and underpin a stunningly ambitious global economy, <i>without selling your data.</i><p>I wonder how many millions of people were drinking their favorite beverage while reading this and spat it out on whatever&#x2F;whoever was in front of them!<p>It’s astonishing that after all these years and all the scandals, they’re deluded enough to write such lines with a straight face. This might as well have appeared on The Onion.<p>&gt; If we want this to succeed we can’t make it network of choice for criminal activity of any kind. - David Marcus<p><i>Good luck with that!</i> This point doesn’t gel with the other point he makes about this being private and that Facebook’s social profiles and the financial wallets&#x2F;accounts <i>will not be</i> commingled. I’d wager that the latter promise would be like WhatsApp saying during its acquisition that nothing would change and that WhatsApp data will not be used for ads. We know what happened to that within a few years.
评论 #20215579 未加载
评论 #20214308 未加载
评论 #20214840 未加载
评论 #20216561 未加载
评论 #20213947 未加载
segmondyalmost 6 years ago
Facebook has so much money that one can&#x27;t wonder what their angle with this. I can only imagine they want to know exactly what you spend money on so they can better target ads.
评论 #20217089 未加载
评论 #20217012 未加载
评论 #20217346 未加载
alangibsonalmost 6 years ago
When I consider that 1) all transactions must pass through validators 2) which are hand picked 3) by the worlds largest surveillance machine 4) that knows most everything there is to know about me already, I&#x27;m thinking I&#x27;ll take a pass on this one.
评论 #20212233 未加载
评论 #20212401 未加载
sschuelleralmost 6 years ago
Libra as in liberty? What a joke.
评论 #20211092 未加载
评论 #20211284 未加载
评论 #20211110 未加载
评论 #20215455 未加载
VMGalmost 6 years ago
can anyone tell me if people in Iran can use it?<p>this doesn&#x27;t really answer my question: <a href="https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;security-privacy&#x2F;#overview" rel="nofollow">https:&#x2F;&#x2F;libra.org&#x2F;en-US&#x2F;security-privacy&#x2F;#overview</a><p>&gt; Working with Law Enforcement<p>&gt; As with any currency or financial infrastructure, bad actors will try to exploit the Libra network. While the network is open and accessible to everyone with internet access, the network&#x27;s main endpoints will need to follow applicable laws and regulations and collaborate with law enforcement. In addition, because transactions on the Libra Blockchain are pseudonymous, it is possible for third parties to do analysis to detect fraud and illegal activity.
评论 #20211074 未加载
评论 #20210926 未加载
评论 #20213331 未加载
holleralmost 6 years ago
What do the U.S. and other world governments think of this? The way they&#x27;re pitching it seems like they want to directly undermine the global financial system.
评论 #20213352 未加载
Yizahialmost 6 years ago
Step 1 - say that your &quot;coin&quot; is not centralized Step 2 - proceed to contradict yourself in the next sentence<p>How the hell is a an obviously centralized system with 3 dozens of privileged entities is not centralized... Also it is not only oligarchy, but completely unaccountable shady oligarchy. Why people continue to &quot;want&quot; it is beyond understanding.
评论 #20213382 未加载
评论 #20215809 未加载
评论 #20214745 未加载
评论 #20214735 未加载
ilakshalmost 6 years ago
It says testnet only until early 2020. Coincidentally, Ethereum recently announced Ethereum 2.0 releasing in early 2020.<p>I consider Libra Coin an effort to cash in on the cryptocurrency hype with a type of bank, before real cryptocurrencies can scale and become mainstream and therefore block such an effort.<p>So I see it as a moral imperative for developers to try to kill the project. The fact that they are making it open source could help in that regard.
评论 #20211663 未加载
评论 #20210996 未加载
评论 #20211355 未加载
sb636almost 6 years ago
Can someone help me understand how Libra or other cryptos for that matter can actually be used? Who will accept the coin as a form of payment? Can these ever be used to buy essentials (food, clothes, shelter)? It doesn&#x27;t seem so at the moment, and until then, I find it hard to imagine businesses or individuals would be happy to accept Libra as a form of payment.
评论 #20213865 未加载
luckycharms810almost 6 years ago
I haven’t really seen a lot about how exactly the Facebook profiles will be separated from the pseudonyms on the libra network. I think this is also part of a gamble that people don’t really care that much about privacy in most of their purchases. If you look at a network like Venmo, they have a social aspect that is on by default, a news feed of sorts. With small incentives ( discounts, credits - share this transaction and receive a discount on your next purchase ) - people could easily give up their anonymity on the network. Once this happens Facebook will be sitting on the holy grail of advertising. A full closed loop of people’s interactions with advertising and the impact it has on their purchasing habits. It creates a new avenue for monetization for Facebook when ads are shown on publisher websites as well. Displaying ads and the analytics around engagement only create half the picture, the other half will be the impact it has on how they spend their money.
tim333almost 6 years ago
From the technical paper it seems to be able to be transferred anonymously like bitcoin etc<p>&gt;To create a new account, a user first generates a fresh verification&#x2F;signature key-pair<p>&gt;The Libra protocol does not link accounts to a real-world identity. A user is free to create multiple accounts by generating multiple key-pairs. Accounts controlled by the same user have no inherent link to each other. This scheme follows the example of Bitcoin and Ethereum in that it provides pseudonymity for users. <a href="https:&#x2F;&#x2F;developers.libra.org&#x2F;docs&#x2F;assets&#x2F;papers&#x2F;the-libra-blockchain.pdf" rel="nofollow">https:&#x2F;&#x2F;developers.libra.org&#x2F;docs&#x2F;assets&#x2F;papers&#x2F;the-libra-bl...</a><p>I&#x27;m wondering if this may create legal problems for Facebook and its partners when the currency gets used for illegal stuff. Bitcoin doesn&#x27;t get sued when it&#x27;s used for drug dealing because there is no one to sue.
评论 #20215291 未加载
clearfundalmost 6 years ago
What this truly mimics is a &#x27;security&#x27; analogous to a basket of foreign currency traded as an ETF. Once you give them US $1 it is backed by a POOL of currency from multiple countries (i.e. the other people who have traded their currency for Libra).<p>Once you decide to take your US $1 you will get back a different amount based on the underlying value of the pool based on the fluctuating FX market. May be &gt;=&lt;...no one will know.<p>Given they are seeking to bring in &quot;underbanked&quot; people (i.e. the charitable patina on this operation) there will be a focused % of currency in the pool from countries with a high % of underbanked people. Logic says this will likely be less stable currency than say the US $, etc.<p>Thus, your US $ will be diluted by &quot;lesser&quot; or more &quot;volatile&quot; currencies and will diminish the purchase power of your US $1. Conversely it will increase the purchase power of the lesser currency.<p>Thoughts?
评论 #20218816 未加载
no1youknowzalmost 6 years ago
I&#x27;m not holding any coins. But I have an interest in crypto currencies for some projects I&#x27;m developing.<p>Anyone who thinks this is going to replace ripple, I have some bad news for you.<p>Ripples main focus is not for users purchasing goods across websites. Its focus is mainly for banks (to hold vast amounts of XRP) when sending sums of money to each other, to be able to convert fiat into XRP and then send that XRP between them and then convert XRP into the receiving fiat currency.<p>The remittence market is huge and that&#x27;s where ripple is mainly interested. Both banks and businesses are using it because there is a high trust factor with Ripple.<p>Now of course Facebook is trying to supplant ripple here, as a user won&#x27;t need to go to a bank or remittence provider which would use either SWIFT or XRP to send the funds. Instead facebook is hoping to tap into the network effect it has built and two users can send monies between each other using this new token.<p>Another thing that I have an issue with. The article mentions eliminating &quot;rent seeking&quot;. How so? Paypal, Visa, Mastercard all charge a % when processing a transaction. The $10m buying fee needs to be recuperated. Are transactions going to be free? Perhaps... Is running the nodes and network going to be free? It&#x27;s certainly not.<p>There is going to be a fee for sending currency across the network. Either an up-front transaction fee or a conversion to FIAT fee. But there will be a fee.<p>If the same old players are involved, you can bet they want to get paid and the same old players will want to eventually impose their own rules to the game.<p>Personally, I don&#x27;t think this will usurp Bitcoin. If anything else, I think it will make people more comfortable with digital currencies and then we&#x27;ll have more leaps in better tech and the free market will bear fruit of a much lower priced solution than libra coin.
评论 #20211321 未加载
评论 #20214419 未加载
m3kw9almost 6 years ago
Looking at this as a black box, you buy credits using real money, and you can transfer the credits with less fees than tradition banks. Except you have one extra step on conversion of money into credits.<p>If there are enough people and places that accepts this credit, you eventually don’t need to ever convert it back to real money. Therefore when there is a lowered chance people would do a bank run, they can lower the backing requirement, like how banks are, and can reinvest the money. Here is the main point, they probably won’t dare issuing coins ie print money as that would immediately could be deemed a national security issue as now you are competing against a nations money supply.<p>You gonna say, wait, this is how bitcoins work, but nobody is giving bitcoin any respect. This libra thing will get respect, so regulation may just stop it in its tracks as soon as it gets too far.
评论 #20219061 未加载
cfarmalmost 6 years ago
Currency is about trust. Do you trust these companies? Idk if you&#x27;ve been living under a rock, but a bunch of them are getting slammed for privacy and security breaches.
otoburbalmost 6 years ago
Re-phrasing and summarizing:<p>&quot;Hey look - Tether demonstrated that a successful stablecoin <i>can</i> be a profitable business model. We can accelerate adoption of our own stablecoin based on our addictive social media experience and social graph and rake in the interest off our float reserves.<p>So long and thanks for all the fish!&quot;
la_barbaalmost 6 years ago
I think this is an interesting move from FB. Google has been trying to get payments data by extracting it out of your emails and any other data that resides on their servers. I don&#x27;t know if they&#x27;ve been correlating it with search&#x2F;dns&#x2F;ad data, but I suspect they sneakily have been. By getting all the major payment processors on board for the operations&#x2F;logistics, and with FB providing the tech, they can all share the data between them and FB probably thinks they can profit the most out of this. Apple&#x27;s pro-privacy payment system is unlikely to take off (IMHO) given that it doesn&#x27;t align with the profit motives of the payment companies. The only way it can take off is from the bottom-up if people choose to use it in droves.
评论 #20217397 未加载
dotancohenalmost 6 years ago
I already find it hard enough to use certain services without having a facebook account. E.g. Tinder requires one, and even having a throwaway is problematic because people want to check your Facebook profile before meeting.<p>However, having currency wrapped up in Facebook will mean that now I will not be able to participate is some economies. I work remotely and as much as Paypal is a villian, it is also a saviour for paying people halfway across the globe. If Facebook displaces that, then my own business is in trouble. And there is no real way to separate Facebook the spying entity from Facebook the social entity, therefore I expect there to be no way to separate the Facebook financial services entity either.<p>This is a big worry.
tsrautde007almost 6 years ago
Why Facebook’s Libra could be a runaway success<p><a href="https:&#x2F;&#x2F;medium.com&#x2F;@tejas_rd&#x2F;why-facebooks-libra-could-be-a-runaway-success-a7cd268f2485" rel="nofollow">https:&#x2F;&#x2F;medium.com&#x2F;@tejas_rd&#x2F;why-facebooks-libra-could-be-a-...</a>
评论 #20214764 未加载
tgb29almost 6 years ago
It&#x27;s very possible this initiative will be low impact. Most people don&#x27;t care about currency -- they just want to spend their money in the terms they&#x27;re used to.<p>My one concern: if the libra&#x27;s value is based on a basket of assets, will US users still see the value in terms of USD? Will French users see their value in Euro? Will the value of my USD change based on the basket of securities backing libra?<p>I just want an easy solution to send money cross borders. Someone in Mexico right now owes me $80 and there&#x27;s no easy way to do this. If she could send it to me through WhatsApp with a near zero fee I&#x27;d see the value in libra.
评论 #20215166 未加载
yertletheturtlealmost 6 years ago
Maybe I&#x27;m an idiot and don&#x27;t understand the marketing lingo but what exactly is the use-case for this? Why among all of the tech companies is Facebook the one to create a crypto currency?<p>What do they plan on doing with this?
评论 #20213162 未加载
评论 #20213113 未加载
supermattalmost 6 years ago
So facebook (and partners) can mint their own money. Are we supposed to be OK with that? Wasn&#x27;t this issue one of the primary reasons for crypto currency existing in the first place.<p>This shouldn&#x27;t be allowed to exist.
评论 #20214345 未加载
评论 #20214618 未加载
评论 #20214785 未加载
shyneeupalmost 6 years ago
I&#x27;m still trying to understand....whats the point of using blockchain here at all if you&#x27;re going to just make it centralized by validating only through an admitted pool of validators?
gormo2almost 6 years ago
Can someone use this if they espouse &quot;white nationalist&quot;-adjacent beliefs (such as building a border wall and deporting illegal immigrants)? What does it mean if they can or cannot?
评论 #20219728 未加载
imwalmost 6 years ago
&quot;He added that users would be able to remain anonymous or pseudonymous, at their own discretion—including the ability to keep their digital wallets separate from their Facebook profiles.&quot;<p>Imperial march plays in background, dark patterns flood through every interface.<p>&quot;Indeed, that’s why Calibra, the wallet software that will hold Libra Coins, was made a subsidiary of Facebook—“to ensure appropriate separation between social and financial data and to build and operate services on its behalf on top of the Libra network,” as the white paper explains.&quot;<p>Is this some cruel joke? &#x27;See! We made it a subsidiary! Can&#x27;t get more arms length than that!&#x27; Being a subsidiary generally means that Calibra will take and toe the dictates of Facebook. There is no separation here.<p>It honestly feels like this is a last chance to pull away from the enlightenment value killing death spiral that is surveillance capitalism.
tjpnzalmost 6 years ago
How does Facebook intend to support anonymous transactions without running afoul of Anti Money Laundering laws? If Facebook were to implement Libra in marketplace (for example) they would be obliged to do KYC on their sellers in some jurisdictions. That potentially means they would be handling identity documents and would be required to ban anyone (from all of their services) found to be involved in a criminal enterprise.
coinanalystalmost 6 years ago
A key factor to consider: Libra has intrinsic value but Bitcoin doesn&#x27;t.<p>From libra.org: &quot;Libra is fully backed by a reserve of real assets. A basket of currencies and assets will be held in the Libra Reserve for every Libra that is created, building trust in its intrinsic value.&quot;<p>Fixed supply is a fatal design flaw of Bitcoin which leads to it not likely having any intrinsic value ever. Let me explain:<p>1. Fiat money&#x27;s intrinsic value: A homeowner who borrows against their home is guaranteed to get full control of the home when they deliver the amount they owe, which is denominated in fiat. It is a powerful incentive to exchange goods and services for fiat. Even for participants who don&#x27;t owe fiat, knowing that the fiat is intrinsically valuable to debtors means that it can be used to purchase goods and services from them.<p>2. There is no such incentive behind Bitcoin. Negligible amount of debt is denominated in Bitcoin. If Bitcoin value falls towards zero, there’s no real-economy backed mechanism to bring it back. There is no contractual guarantee that spending X amount of Bitcoins can entitle the purchaser to receive Y amount of services.<p>3. Bitcoin will likely never be a debt instrument. Bitcoin has a fixed supply, and the design goal of this is for Bitcoin to be deflationary. If there’s an equilibrium interest rate in Bitcoin, that rate is highly likely to be negative and more than the cost of owning Bitcoin. This removes incentives for Bitcoin holders to lend out the currency, consequently there will be no debt, and no contract that allows debtors to receive real goods by delivering Bitcoins.<p>This argument applies to most non-stable cryptocurrencies. From this reasoning alone, I see Libra has a much higher chance to succeed than its crypto peers.
评论 #20219982 未加载
shiadoalmost 6 years ago
So if cryptocurrency is taxed on capital gains, and this is a stablecoin, can they buy their own currency in whatever tax haven they are storing money in now with money they want to repatriate to the USA, then sell the coin in the USA and pay no taxes because it is a stablecoin to they didn&#x27;t actually have any gains? And they do all this while controlling the cryptocurrency itself?
评论 #20213650 未加载
DiseasedBadgeralmost 6 years ago
I&#x27;m not surprised to see MasterCard diving this dumpster fire, but, Visa? Visa: what are you doing?<p>Save yourself, Visa! Don&#x27;t do this!
评论 #20216301 未加载
评论 #20216056 未加载
heskalmost 6 years ago
So, the Guardian article says that it uses blockchain but is invite-only at the moment. But if it&#x27;s not public, why do you need blockchain? So is it blockchain as in Bitcoin (i.e., proof of work) or &quot;blockchain&quot; as in hype? I hope it&#x27;s not the former because proof of work wastes so much energy it&#x27;s not even funny.
feydaykynalmost 6 years ago
This is the start of a very good podcast, the Program <a href="http:&#x2F;&#x2F;www.programaudioseries.com&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.programaudioseries.com&#x2F;</a><p>Each episode is a character explaining how the Program changed his&#x2F;her life, episodes are very moving. The first one describes how it all started by a social network controlling money and thus people actions. Oh and it&#x27;s mainly optimistic, that&#x27;s a nice change for the subject!<p>&quot;The Program is a historical podcast, but a one that’s set in the future and examines the present day. The world of the future is exactly like ours, except that Money, State, and God became fused into a single entity called the Program. This hardcore sci-fi premise however is just the backdrop, and the series focuses on stories of ordinary people inhabiting this extraordinary world.&quot;
评论 #20221258 未加载
rogerkirknessalmost 6 years ago
It seems like Facebook is simply following through on the Web 1.0 vision that Thiel and Musk chased. The first Facebook product I might use in a long time. This seems inevitable on reflection. Skepticism is valid, at the same time consider carefully if this is worse than The Fed.
评论 #20212926 未加载
seibeljalmost 6 years ago
I will answer the question that is always asked in every post regarding blockchains on HN:<p><i>&quot;Why blockchain? Can&#x27;t this be done with a database?&quot;</i><p>Blockchains <i>are</i> databases. They are distributed, append-only, tamper-proof databases. You could call them that, or instead you could just say &quot;blockchain&quot; as that is what type of database the word blockchain has come to be understood as.<p>The reason to use a blockchain rather than a centralized database is because the properties described - distributed and tamper-proof - are crucial to the application. In Libra&#x27;s case, centralized entities that control financial services (banks) have high fees, are slow, and are not trusted in some respects (financial bailout) while being highly trusted in others (not waking up and losing your money). A blockchain can provide solutions to the problems of centralized financial entities with the benefits of distributed ones.
评论 #20212047 未加载
评论 #20212279 未加载
评论 #20212121 未加载
评论 #20212365 未加载
评论 #20212195 未加载
samcdayalmost 6 years ago
So Facebook is under an increasing amount of scrutiny and calls for regulatory pressure. Amidst all that, they&#x27;re still brave&#x2F;arrogant&#x2F;oblivious enough to launch something like this.<p>People are going to read history books about this era and shake their heads in pure disbelief.
MarkMcalmost 6 years ago
Currently most online payments involve a 2% credit card fee. Will Libra lead to a significant reduction in this cost? If Libra can be 0.5% cheaper than credit card payments for consumers then it will become the dominant form of online payment.
gtirlonialmost 6 years ago
It&#x27;s very nice they chose Rust for such a critical component of their infrastructure.
dharma1almost 6 years ago
Always wondered why Apple hasn&#x27;t opened up iMessage to every platform (not just Apple devices) and gone properly into Alipay territory with payments. They don&#x27;t have much growth left in hardware, seems like the obvious thing to do
eudoraalmost 6 years ago
Moving in the direction of an everything app, like WeChat?<p>I was horrified at this news at first, but WeChat isn&#x27;t too terrifying, and they&#x27;re far more ubiquitous.<p>I just hope the social network aspect of Facebook (and Instagram) continues to shrivel.
评论 #20212156 未加载
评论 #20212194 未加载
HashThisalmost 6 years ago
There is a video is about French Finance Minister Bruno Le Maire fighting the Facebook Libra<p><a href="https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=kH4oVeME_dk" rel="nofollow">https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=kH4oVeME_dk</a>
kemonocodealmost 6 years ago
I hope this gets anywhere, not because I&#x27;m particularly enamored with Facebook (In fact, I hate them and their skeevy practices) but because I want PayPal to feel the squeeze. I just happen to hate PayPal a little bit more than Facebook and any competition in that department is good in my opinion.<p>I don&#x27;t see Libra being remotely any competition against Bitcoin, but as an alternative to current centralized payment processors? Sure, and it wouldn&#x27;t be a huge stretch considering the amount of sensitive information people already entrusts (with or without merit) with Facebook.
评论 #20217818 未加载
H8crilAalmost 6 years ago
This could pan out. There&#x27;s a ton of people in the developing world that can only use their phones to get access to any reasonable banking. Or things like ROSCAs [1].<p>Don&#x27;t think that tech (whether its a permissionless PoS blockchain or a Ripple copy) is important for success here. Only whether or not an aggressive marketing campaign to make people use it (especially merchants) will succeed.<p>1: <a href="https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Rotating_savings_and_credit_association" rel="nofollow">https:&#x2F;&#x2F;en.m.wikipedia.org&#x2F;wiki&#x2F;Rotating_savings_and_credit_...</a>
ur-whalealmost 6 years ago
One really interesting issue is <i>how</i> they are actually going to make the zucbux actually stable.<p>This seems like a straightforward problem to solve: for every zucbux in circulation, stash a euro, a yen and a USD somewhere.<p>Except ... where do you actually stash those? In what financial institution? And how do you know said custodian is risk-free? Who is going to audit them to independently guarantee that the underlying funds actually exist?<p>As it turns out, the only entities that can somewhat securely provide that service are central banks themselves, and that means they have to be willing to play ball.
mmaunderalmost 6 years ago
This provides the potential for FB to pivot into banking.<p>The article points out that the structure of Libra doesn&#x27;t require a connection between FB profile and wallet. But let&#x27;s face it. If FB are the inventor and are the benevolent dictator in this open system, it positions them to offer all their users wallets and be the bank that facilitates most transactions.<p>The revenue potential for FB in that scenario, from transaction fees to deposits (borrowing short and lending long) to wealth management is limitless.<p>There is an endgame here that has 2 billion customers and is worth trillions.
iagooaralmost 6 years ago
I was going to make a snarky, sarcastic comment about this by writing: &quot;yeah, what could possibly go wrong?&quot;.<p>Now that I think about it, it&#x27;s a genuinely interesting question: what could possibly go wrong?
评论 #20215496 未加载
HipGeeksalmost 6 years ago
This is going to leave Ripple a dead duck.
评论 #20210940 未加载
ur-whalealmost 6 years ago
As is plenty evident with existing cryptos, the network effect is a huge part of a cryptocurrency&#x27;s success (technically speaking, bitcoin is far from the best crypto out there, but it&#x27;s the most popular because it was first and is nowadays the most well known).<p>Facebook&#x27;s huge existing network will be a massive boon for Libra, however well designed it actually is from a technical standpoint: FB has direct reach into billions of people&#x27;s daily life.<p>Good or bad, it will become a strong contender in the crypto space, unless regulators get in the way.
leifgalmost 6 years ago
I&#x27;m not quite sure which kind of problem they are trying to solve.<p>Are they just another payment provider that has &quot;crypto&quot; in the name? Having a shiny app? I don&#x27;t see that as great selling point.<p>The problems for consumers with current payment providers and banks are largely due to regulatory and policy decisions (PayPal not accepting retailers for certain services, banks making it extremely complicated for you to get a bank account etc...).<p>Libra will have all of these issues.<p>So I&#x27;m genuinely curious: What problem does Libra solve?
muckrakerzalmost 6 years ago
Why in God&#x27;s name if we can&#x27;t trust FB with privacy of our kids photos should we trust them to handle our finances? This deserves all of the mockery that it will receive.
评论 #20218009 未加载
deafcalculusalmost 6 years ago
How does Libra work? It sounds more like a traditional currency, except it isn&#x27;t issued by a nation, but by a bunch of companies. The peg to a basket of currencies suggests that it&#x27;ll operate like a currency board regime. Do they completely give up monetary independence by backing every Libra with a dollar in reserve (or a basket of currencies)? Or is the plan to make Libra eventually float and have some decentralised mechanism to set interest rates?
评论 #20222457 未加载
CloudNetworkingalmost 6 years ago
Great name that&#x27;s not going to create any confusion in those Spanish speaking countries that call the Pound &quot;Libra&quot; (hence the £ as the sign, by the way).
the_dukealmost 6 years ago
&gt; Unlike previous stablecoins, Libra will not be issued by a central party. Instead, Facebook has enlisted 27 fellow Silicon Valley titans—among them PayPal, Visa, Spotify, Mastercard, Uber, and eBay ....<p>This really surprises me, since it is somewhat of a direct attack on Visa, Mastercard and Paypal. Maybe the thinking is that if Libra becomes a success, they&#x27;d rather be in on the deal, or they plan on becoming middleman and integrate it into their services.
评论 #20213740 未加载
bupkusalmost 6 years ago
Facebook is creating a securitized token representing a supply of Us treasuries and other assets that according to the white paper is to provide intrinsic value.They do not seem to understand what gives Cypto intrinsic value. In theory this is a security and should only be available only to accredited investors and they would need to file for an IPO to make it available to everyone in the US. There is no innovation just another tether.
kaushikb9almost 6 years ago
India is one of Facebook&#x27;s biggest market. I am interested to understand how will they compete against India&#x27;s own open wallet platform, UPI, which is already very popular and already surpassed overall Credit card transactions in the country. Wallet companies like PayTM, PhonePe, Google Pay have a strong presence throughout the country and are dealing directly with fiat currency
kebmanalmost 6 years ago
Looks like this is yet another centrally controllable currency to woo the masses away from Bitcoin, not unlike Ripple&#x27;s XRP. Or am I mistaken? It&#x27;s probably a great vessel for speculation, though, since Facebook is a serious company, and because it will obviously be polished and work well. As a vessel for storing and moving value, however, I think I&#x27;ll stick to BTC.
jonas_kgomoalmost 6 years ago
Zittrain and Zuckerberg discussed encryption, ‘information fiduciaries’, interesting part is that Mark didn&#x27;t mention nor support cryptocurrencies but he argued that the blockchain would incredibly help with security on Facebook. <a href="https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=WGchhsKhG-A" rel="nofollow">https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=WGchhsKhG-A</a>
Jeff_Brownalmost 6 years ago
Have they solved the scale-vs-security problem? Bitcoin scales badly for the very reason that it is secure -- every miner keeps a copy of the currency&#x27;s entire transaction history (the blockchain), and wastes a ton of cpu cycles on proof-of-work, racing with others to verify the next block.<p>Has Facebook reduced the number of players involved in mining? Are they using some other proof system?
评论 #20217606 未加载
评论 #20217628 未加载
chr1xzyalmost 6 years ago
Jameson Lopp thoughts on Libra “Blockchain”<p><a href="https:&#x2F;&#x2F;medium.com&#x2F;@lopp&#x2F;thoughts-on-libra-blockchain-49b8f6c26372" rel="nofollow">https:&#x2F;&#x2F;medium.com&#x2F;@lopp&#x2F;thoughts-on-libra-blockchain-49b8f6...</a><p>Covers:<p>Abstract<p>Introduction<p>Logical Data Model<p>Executing Transactions<p>Authenticated Data Structures and Storage<p>Byzantine Fault Tolerant Consensus<p>Networking<p>Libra Core Implementation<p>Performance<p>Implementing Libra Ecosystem Policies with Move<p>Governance,AML&#x2F;KYC,fees,capacity,open to developers?
nickpsecurityalmost 6 years ago
For anyone interested, here&#x27;s the protocol paper:<p><a href="https:&#x2F;&#x2F;developers.libra.org&#x2F;docs&#x2F;assets&#x2F;papers&#x2F;libra-consensus-state-machine-replication-in-the-libra-blockchain.pdf" rel="nofollow">https:&#x2F;&#x2F;developers.libra.org&#x2F;docs&#x2F;assets&#x2F;papers&#x2F;libra-consen...</a>
fauigerzigerkalmost 6 years ago
I wonder how they plan to keep the price of the Libra stable.<p>I understand that by keeping fiat currency reserves, they can guarantee a minimum exchange rate below which the Libra can never fall.<p>But how can they stop the Libra from rising? And once it has risen, how can they stop it from crashing back down to the guaranteed exchange rate?
评论 #20214402 未加载
devnullbytealmost 6 years ago
I hope it crashes and burns. It&#x27;s the opposite of what crypto was meant to achieve. No central control.
评论 #20211373 未加载
canada_dryalmost 6 years ago
This and the other recent article about how (in China) it&#x27;s becoming more and more difficult to do&#x2F;buy things without wechat makes me think that just as VPN&#x27;s are popular today, some form of anonymous (non-tracking) e-currency will be all the rage in the future.
msiyeralmost 6 years ago
Why do we need to expend our energies to debate? Facebook cannot be trusted. Facebook should not be allowed anywhere near our finances. This is a nightmare in the making. Gullible public will start using it in the name of convenience and it might suddenly become ubiquitous.
stubbornleafalmost 6 years ago
It&#x27;s supposed to be used by people who cannot access financial service. But they still have to buy Libra with their current currencies, and then Facebook becomes that financial service. So Facebook can reach to where those other financial services cannot reach?
alex_youngalmost 6 years ago
Why is this considered a threat to banks or credit card companies? Don&#x27;t you still have to convert to your local currency at some point?<p>I think that&#x27;s why you see credit card companies on this thing. Best case seems that it increases their transaction from what I see.
postcynicalalmost 6 years ago
How are blockchain&#x2F;cryptocurrencies affected by a possible breakthrough in quantum computing? It is my understanding that quantum computing makes it trivial to break todays crypto. So a single actor with a quantum computer could break any crypto currency?
haunteralmost 6 years ago
So they want an Alipay competitor for the west? Tho I see Alipay outside of China more and more
losvediralmost 6 years ago
I don&#x27;t get why it has to be a &quot;cryptocurrency&quot;. I see the value in some sort of token that you buy and can then exchange without fees, but couldn&#x27;t that just be a simple DB? What does it being a cryptocurrency on a blockchain get you?
评论 #20213243 未加载
skeptical-catalmost 6 years ago
Lots of people here saying this won&#x27;t be adopted... I think we&#x27;re all underestimating how many people are on FB. Ad targeting is very sophisticated for FB platforms, I think a &quot;buy with Libra&quot; button would get clicked a lot.<p>Which is frightening.
GershwinAalmost 6 years ago
These are the guys that can&#x27;t properly secure their main product. Facebook has been leaking all around, I think Instagram stored passwords in plain text, and last year their cookies were stolen too. Ain&#x27;t touching this for some time.
stef25almost 6 years ago
So the logic is that people in Africa have smartphones but no bank accounts. Wherever they buy their phone credits (cash for a voucher in a corner shop), they could also buy Libra top-up vouchers? It must involve a cash transaction after all.
mangecoeuralmost 6 years ago
What could possibly go wrong -_-
saltsaltsaltsalmost 6 years ago
FB Crypto = big bank crypto. This helps push the blockchain into the hands of millions but the millions won&#x27;t care. Just another Chase, BofA, Santander.... Sounds interesting and new so people should flock to it....
thrower123almost 6 years ago
I&#x27;m already at the point where I refuse to donate to charity events that friends and relative link me to through Facebook. I don&#x27;t trust Facebook to have access to my money, in any way, shape or form.
eacfoxalmost 6 years ago
I bought in <a href="https:&#x2F;&#x2F;webpromocoes.com.br&#x2F;codigo-promocional&#x2F;" rel="nofollow">https:&#x2F;&#x2F;webpromocoes.com.br&#x2F;codigo-promocional&#x2F;</a> very interesting in Brazil
mehdixalmost 6 years ago
I&#x27;d guess FB is also targeting micropayments. They are already ubiquitous on many websites so why not let their users pay for content with fbcoins?<p>It&#x27;s 2019 and micropayment is still an unsolved problem.
bwilli123almost 6 years ago
<a href="https:&#x2F;&#x2F;ftalphaville.ft.com&#x2F;series&#x2F;Breaking%20the%20Zuck%20Buck" rel="nofollow">https:&#x2F;&#x2F;ftalphaville.ft.com&#x2F;series&#x2F;Breaking%20the%20Zuck%20B...</a>
lanrh1836almost 6 years ago
Who is in charge of stopping this from being used for money laundering?
opticbitalmost 6 years ago
&gt; &quot;Libra’s mission is to enable a simple global currency and financial infrastructure that empowers billions of people.&quot;<p>Command line demo&#x2F;testnet. yea everyone can use it &#x2F;s
fnord77almost 6 years ago
Expansion and contraction of the monetary supply by central banks is critical to preventing financial disasters. Cryto subverts this.<p>Not to mention making transactions harder and not easier.
评论 #20219852 未加载
ur-whalealmost 6 years ago
Can&#x27;t resist, I just have to post this:<p><a href="https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=CIbDFmHqEIw" rel="nofollow">https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=CIbDFmHqEIw</a>
scotualmost 6 years ago
Just wanted to say that the logo is not Libra&#x27;s symbol; it&#x27;s very similar to Aquarius though. While I maintain my horoscope-hater attitude, I am still disappointed
Philip_Woodmanalmost 6 years ago
Facebook unveiled an ambitious plan on Tuesday to create an alternative financial system that relies on a cryptocurrency that the company has been secretly working on for more than a year.<p>The effort, announced with 27 partners as diverse as Mastercard and Uber, could face immediate skepticism from people who question the usefulness of cryptocurrencies and others who are wary of the power already accumulated by the social media company.<p>The cryptocurrency, called Libra, will also have to overcome concern that Facebook does not effectively protect the private information of its users — a fundamental task for a bank or anyone handling financial transactions.
dgellowalmost 6 years ago
Duplicate, see <a href="https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=20210667" rel="nofollow">https:&#x2F;&#x2F;news.ycombinator.com&#x2F;item?id=20210667</a>
kubindurionalmost 6 years ago
&quot;Blockchain vs BULLSHIT&quot; criteria:<p>Is it: - Open - Publicly verifiable - Neutral - Borderless - Censorship-Resistant. - Immutable - Permissionless<p>In case of Libra answer to all is <i>No</i>
tyingqalmost 6 years ago
Interesting name choice, as you might mistake it for something freedom related. But the etymology of &quot;libra&quot; doesn&#x27;t have that connotation.
sbmthakuralmost 6 years ago
Crypto-currencies are likely to be banned in India or at least not officially supported by the Federal Bank. Will this also be treated in the same manner?
dev_north_eastalmost 6 years ago
I can&#x27;t wait to get me some Itchy and Scratchy Money
uylbhalmost 6 years ago
Can I use it in Iran?
评论 #20210975 未加载
ryanmarshalmost 6 years ago
This just occurred to me, did someone at the OCC give Facebook a bank charter? So they have a Fed account and can issue fractional reserve loans?
obiefernandezalmost 6 years ago
I just had to pay my one of my staff members in Mexico a severance of approximately 50,000 pesos. She doesn&#x27;t have documentation or a bank account, so I had to pay her out in cash. 1000 peso notes are not widely used, so I had to get 500 notes out of the bank. That&#x27;s about 100 bills--pretty bulky. She&#x27;s going to have to spend a few hours getting home on 3 different buses with that huge wad of cash somewhere on her person, and risk being robbed.<p>Having some sort of electronic payment system that worked for her would be amazing.
MarkMcalmost 6 years ago
Would there be anything stopping Google making this offer to users? &quot;Tell us your Libra wallet ID to get YouTube premium for free!&quot;
jbb123almost 6 years ago
I can imagine few things i&#x27;m less likely to want than a currency in any way connected to facebook.
评论 #20211913 未加载
评论 #20211868 未加载
steveharmanalmost 6 years ago
Has there been any announcement of third parties being able to depoly their own contracts or Dapps to Facebook&#x27;s blockchain?
评论 #20211008 未加载
bhoustonalmost 6 years ago
Will &quot;Objectional Groups&quot; be preventing from using Libra? Who will define what is an &quot;Objectional Group&quot;?
merurualmost 6 years ago
I thought creating a currency was illegal. What makes cryptocurrencies so different that it&#x27;s ok for companies to do it?
评论 #20217280 未加载
golergkaalmost 6 years ago
Crucial question for competing with Bitcoin, of course, is simple: will it be anonymous enough to buy drugs with?
评论 #20211171 未加载
评论 #20211034 未加载
评论 #20211378 未加载
gbergeralmost 6 years ago
There&#x27;s a name conflict. The GBP is called &#x27;libra&#x27; in Portuguese- and Spanish-speaking countries.
评论 #20211561 未加载
b-3-nalmost 6 years ago
&quot;Give us your data, you can trust us&quot;. Remember how that went?<p>&quot;Give us your money, you can trust us&quot;. Hm...
z3t4almost 6 years ago
When so many large organisations joint it will cost billions, which will have to be paid by the users.
throway4234almost 6 years ago
I wonder if Facebook&#x27;s plans are behind the absurd rules put forward by India regarding bitcoin.
spaceflunkyalmost 6 years ago
I don&#x27;t know much about how to mine or obtain crypto currencies.<p>Can someone explain to me how I would get Libra?
评论 #20217682 未加载
democracyalmost 6 years ago
Why is renaming of &#x27;facebook credits&#x27; to &#x27;libra&#x27; so important to anyone?
aflagalmost 6 years ago
Interesting. I&#x27;m curious to see how it plays out. I can see it working if they make Libras look valuable in itself for their user base (eg. Being able to get Libras from other users for services or content and then being able to buy real things with it). Given it&#x27;s not &quot;real money&quot; would you be exempt of most taxes?
评论 #20212094 未加载
j45almost 6 years ago
If FAANG are the new digital nation states, one can see why they want their own currency
Lucadgalmost 6 years ago
It&#x27;s amazing as the white paper manages to avoid mentioning Bitcoin and Ethereum.
ddffrealmost 6 years ago
We cannot trust them with privacy, so how we supposed to trust them with our money?
Bob995almost 6 years ago
Does this mean Faceberg will finally get regulated as a payment processor?
alexnewmanalmost 6 years ago
I&#x27;m banned from facebook for having names they don&#x27;t approve of.
stdoutrapalmost 6 years ago
Recently made a song called &quot;Good for the world != good for Facebook&quot;. Might be of interest to peeps in this thread...<p><a href="https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=6zJSmiimxoQ" rel="nofollow">https:&#x2F;&#x2F;www.youtube.com&#x2F;watch?v=6zJSmiimxoQ</a>
golergkaalmost 6 years ago
Not only they built it in Rust, but they also built Move - language clearly derived from Rust, which uses ownership as a way to manage monetary resources. Regardless of trust issues with different companies involved, that&#x27;s just beautiful engineering.
评论 #20212701 未加载
envoltalmost 6 years ago
Basic Question - What is the problem that they are trying to solve?
rkachowskialmost 6 years ago
Why, of course I trust Facebook with my financial transactions. Why would they lie about privacy? This can only be an altruistic course of action
评论 #20211843 未加载
评论 #20211261 未加载
评论 #20211664 未加载
elwellalmost 6 years ago
<p><pre><code> (is-coincidence? (= (alpha-&gt;num-sum &quot;Libra&quot;) 42 answers&#x2F;life answers&#x2F;universe answers&#x2F;everything))</code></pre>
yayralmost 6 years ago
How are the exact payout rules for the investment tokens?
typonalmost 6 years ago
So this is like Alipay or Wechat Pay but for Facebook?
mountainofdeathalmost 6 years ago
It&#x27;s amazing how short of a memory people have. The financial system has at least a few centuries of experience and todays regulatory climate is a reflection of the lessons learned. To some, these rules may seem arbitrary and they sometimes are but people forget how things before.<p>I find it amusing that the big selling point behind the initial round of cryptocurrency was its lack of regulation.
评论 #20214538 未加载
Siederwehenalmost 6 years ago
This seems to me like a modern version of scrip.
wokawokaalmost 6 years ago
so...what is the &quot;news&quot; here? they control our news and social normality and they want to control our money now....
xmlyalmost 6 years ago
Want to participate in the project!<p>How could become a partner?
shroomalmost 6 years ago
I’d give a penny to hear Alexander Hamiltons opinion on this.
tracker1almost 6 years ago
Yeah, like I&#x27;ll <i>EVER</i> trust Facebook to manage my money... If you&#x27;re libertarian or conservative, you definitely cannot trust Facebook to not keep your money, let alone safe. And if you aren&#x27;t, you probably shouldn&#x27;t.<p>I don&#x27;t mean to be tin foil hat... but given the amount of account deletions that FB, Twitter, Pinterest and to some extent Youtube and Instagram. I don&#x27;t agree with the people blocked necessarily, but it belies anything resembling what should be required to <i>trust</i> them.
buhrmialmost 6 years ago
This is horrible. Don&#x27;t touch it.
justinmchasealmost 6 years ago
Why didn&#x27;t they just use bitcoin?
King-Aaronalmost 6 years ago
Libra is a well known brand for sanitary products. I wonder if that&#x27;s going to be problematic for either entity.
curiousgalalmost 6 years ago
One step closer to dystopia.
评论 #20210948 未加载
pfortunyalmost 6 years ago
Honest question: energy use?
评论 #20211151 未加载
blueadept111almost 6 years ago
Yawn. This is a tempest in a teapot. Why would anyone bother to use Libra? People buy crypto mostly for speculation, hoping that it will go up (or at least not lose value over time, due to inflation). A stable coin that&#x27;s pegged to major currencies is no better than the major currencies. It&#x27;s also no worse. It&#x27;s boring, and most people won&#x27;t care.
Phlarpalmost 6 years ago
Libra? ... Gemini? This kid just can&#x27;t let go of the past can he...
bashwizardalmost 6 years ago
Thanks, I hate it.
jsilencealmost 6 years ago
Kill it with fire!
NoblePubliusalmost 6 years ago
It’s Disney dollars for Facebook ads. Yawn.
j0hnM1stalmost 6 years ago
anything facebookish trends.
momentmakeralmost 6 years ago
I do not think Zuckerberg’s ultimate goal is running a stable coin, although he could live with that arrangement and benefit from it for as long as necessary. I think the main reason Facebook has structured the coin with fiat backing is to make it seem less threatening to the current monetary establishment and world governments. It’s a way of saying Facebook isn’t trying to compete with the current status quo, but rather make the status quo run more smoothly and efficiently. Then, once it has a foot in the door and gains traction amongst its massive user base, all Facebook has to do is wait until the current assortment of global governments and their respective central banks fail.<p>At that stage it can remove the fiat currency backing (who will want it anyway), and let FacebookCoin free float. With the credibility of global governments and central banks in the toilet by then, Facebook and its corporate oligarch partners will be in a prime position to take over a sizable chunk of worldwide payments using their own currency. In other words, this appears to be a long-term scheme by elements of corporate oligarchy to position themselves as an unelected and unaccountable future sovereign power.<p>All that said, I want to be clear about something. Just because the above represents a plausible scenario doesn’t mean it’ll work out that way. If enough people recognize the dangers of this scheme, it could very well be stopped in its tracks.<p>In this regard, I want to highlight one of the biggest threats posed by a financial system run by a corporate oligarchy. For one thing, there’s the ever-present issue of censorship. I understand why many in the “crypto” world are fine with FacebookCoin since they see it as a threat to state power and control, but this is myopic in my view. Let’s not forget who is silencing the voices of Americans online in 2019. It’s not the state, but rather Facebook, Google, Twitter, etc. If we allow these companies to gain control of payments, you can be sure the same sort of unaccountable blacklisting will follow in the world of transactions.<p>Also, similar to what many of the tech giants have done with speech, Facebook could easily team up with governments or government linked deep-state type entities to stop transactions or freeze the accounts of “problematic” citizens. It would be a very convenient way to get around the rule of law in a place like the U.S., and would represent a perfect symbiotic relationship of tyranny between what could at that point be a vestigial state apparatus and empowered tech giant oligarchs.<p>Ultimately, what’s going on here gets at the crux of everything I’m trying to discuss at Liberty Blitzkrieg. Namely, that the old world is dying and the most important thing that’ll occur over any of our lifetimes is the sort of world we create, or allow to be created, in its wake.<p>The launching of FacebookCoin represents one segment of corporate oligarchy throwing its hat in the ring, and a very dangerous one at that given the already existing dominance of tech giants in the communications realm. From my perspective, communications and money are two aspects of human existence so fundamental to liberty they should remain as free and uninhibited as possible. To trust these things to a collection of billionaires and their corporations would represent the pinnacle of short-sightedness and insanity.
PovilasIDalmost 6 years ago
H H p x
timemachinealmost 6 years ago
FaceBucks
buryatalmost 6 years ago
how do i mine it?
评论 #20211216 未加载
diimdeepalmost 6 years ago
A little closer to dystopia of Black Mirror <a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Fifteen_Million_Merits" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Fifteen_Million_Merits</a>
sschuelleralmost 6 years ago
Their next efforts will probably be lobby like crazy to ban any other coin that is not &quot;Approved&quot;.
评论 #20211150 未加载
评论 #20211613 未加载
评论 #20211513 未加载
LinuxBenderalmost 6 years ago
So Mark Z. wants me to buy his Chuck-E-Cheese(c) tokens, then see where I spend them. &#x2F;s<p>In all seriousness, are they offsetting the coin generation with windmills, sea turbines, or geothermal plants? How much power is being consumed by FB and the small handful of banks that are cranking out these tokens?
评论 #20214120 未加载
ojosilvaalmost 6 years ago
Libra, a new global currency... with an old name!<p>&quot;Libra&quot; is the latin name of what is now known as the &quot;pound&quot; and used in many Latin-rooted languages (Spanish, Portuguese, French and Italian come to mind) to refer to pound related currencies, including the British pound sterling (&quot;libra esterlina&quot;) and similar currencies from Egypt to Lebanon to Gibraltar pound. It was also behind many discontinued currencies from the past, ie. the Italian Lira or the French Livre.<p>IMHO a bad choice in naming for something you want to call &quot;new&quot;.
评论 #20212746 未加载
facefuckalmost 6 years ago
This is bad. Facebook will bake this into their software, even if they claim they won’t do it, they will. It’s no problem because you can always just use fiat right? How are you going to do that when the hoard of idiots out there adopt Libra without considering the long term implications? It could be that if you refuse to use libra, you’ll be left out in the cold. It will be like Facebook all over again. Facebook gets popular in 2007 — hoard of idiots dump all their personal information on it without a single thought about whether or not that’s a smart thing to do — hoards of idiots make Facebook intertwined with life itself without considering how messed up it is — people like me are left out in the cold because we refuse to engage — ten fucking years later people wake up and I’m vindicated — two years later the whole thing apparently is starting again and people are too dumb to see it.
评论 #20217365 未加载
评论 #20217308 未加载
_bxg1almost 6 years ago
Terrifying, really. The world is hurdling back towards a feudalist society, with corporations instead of kings.
评论 #20213419 未加载
评论 #20213080 未加载
评论 #20214193 未加载
评论 #20213627 未加载
评论 #20214476 未加载
评论 #20213133 未加载
评论 #20213664 未加载
评论 #20213002 未加载
imjustsayingalmost 6 years ago
&gt;A smattering of nonprofits, which didn’t have to pay the $10 million entry fee, also populates the consortium to make sure not everyone can be corrupted by financial incentives.<p>Is this a euphemism for &#x27;stuffing the ballot box with nonprofits your wife and friends and are on&#x27;?
dx7tntalmost 6 years ago
&quot;Facebook is enforcing a strict separation between users’ social data—their Facebook likes, photos, etc—and the financial data that will be available on Libra’s network. There will not, he insisted, be a readily available data trove connecting users’ transactional data to their Facebook profiles&quot;<p>I find this extremely hard to believe coming from a company who&#x27;s entire M.O. is building a profile of its users and tracking everything they do across the internet and beyond.
评论 #20212864 未加载
评论 #20212510 未加载
评论 #20212650 未加载
jrvxoalmost 6 years ago
It was already tried. It was called Bitcoin. It failed spectacularly. At least this looks like it could work.<p>I trust my government more than I trust these companies so I will keep using fiat, but this may be an option for other people.
评论 #20214804 未加载
评论 #20211232 未加载
评论 #20213159 未加载
codesushi42almost 6 years ago
Honest question: what will be the incentive for consumers to use Libra over existing solutions like PayPal, Apple Pay, Venmo etc?
评论 #20217015 未加载
评论 #20217034 未加载
评论 #20217371 未加载
评论 #20217010 未加载
marknadalalmost 6 years ago
I think a lot of people are missing the point:<p>All they need to do is to have 1%+ cheaper fee than cards.<p>And no matter people&#x27;s ideals, all businesses will add it.
latte_machiatoalmost 6 years ago
I wish reporters would stop using &quot;cryptocurrency&quot; and &quot;Facebook&quot; in the same sentence.
Calib3ralmost 6 years ago
I sincerely doubt David Wong will offer any rebuttals to your very valid points.
评论 #20217478 未加载
BackBackBackalmost 6 years ago
For free!<p>Edit: Due to censorship I request you to remove this account since you&#x27;ve not constructed a way to do it ourselves.<p><a href="http:&#x2F;&#x2F;remove.org&#x2F;removal-requested" rel="nofollow">http:&#x2F;&#x2F;remove.org&#x2F;removal-requested</a>
评论 #20216953 未加载
toomuchequatealmost 6 years ago
Hmm, should I use United States Dollars? OR Facebook United States Dollars?<p>I&#x27;m going with G.) Other.<p>Hording cash is a terrible investment idea.<p>EDIT: Hording and Investing typically means to generate future value. Daily spending money can be done in cash. I would hope I didn&#x27;t need to explicitly say this, but hey, economics is hard.
评论 #20211972 未加载
komalsharma05almost 6 years ago
Facebook has finally revealed the details of its cryptocurrency, Libra, which will let you buy things or send money to people with nearly zero fees. Here is more information: <a href="https:&#x2F;&#x2F;techcrunch.com&#x2F;2019&#x2F;06&#x2F;18&#x2F;facebook-libra&#x2F;" rel="nofollow">https:&#x2F;&#x2F;techcrunch.com&#x2F;2019&#x2F;06&#x2F;18&#x2F;facebook-libra&#x2F;</a>
zeofigalmost 6 years ago
Buy buy buy! The secret to crypto is to buy high, sell higher! Upwards to Zucktopia!
mxuribealmost 6 years ago
Wait, wait, wait...so...<p>if &quot;Satoshi Nakamoto&quot; == &quot;Mark Zuckerberg&quot;:<p><pre><code> print(&quot;Whoa, mind blown!&quot;) </code></pre> else<p><pre><code> print(&quot;Carry on. Nothing to see here.&quot;) </code></pre> jk
评论 #20214427 未加载
onion-soupalmost 6 years ago
&gt;1000 tx&#x2F;s<p>Nice try Zuc. But BSV can do 10k tx&#x2F;s already AND it supports tokens as well
评论 #20211064 未加载
arnaudsmalmost 6 years ago
Satoshi wanted a world without banks and centralisation. Now his tech is used for the exact opposite.<p>Just like the Internet that was diverted by big corporations. Let&#x27;s not make the same mistake gain.
jancsikaalmost 6 years ago
Since this is a thread presumably filled with cryptocurrency experts, here&#x27;s my own personal captcha:<p>What is Chaumian cash?<p>And here&#x27;s my own personal re-captcha:<p>Why hasn&#x27;t some small country somewhere issued their own Chaumian cash to attract... anything? Seems like there would be quite a lot of ways to implement and configure such a system. And it wouldn&#x27;t take that big of a reserve to help fuel, say, a burgeoning blog micropayment system to the tune of what a Patreon or whatever currently offers.<p>There&#x27;s plenty of small countries which offer all kinds of dastardly financial instruments to rich people, so I don&#x27;t see &quot;it would fuel money laundering&quot; as an explanation for the complete lack of Chaumian cash in our universe.<p>Edit: clarification