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How eBay Could Rescue Bitcoin From the Feds

41 点作者 sk2code超过 11 年前

10 条评论

PeterisP超过 11 年前
A licenced money transmitter can handle Bitcoins only if they handle them in a rather non-bitcoin-ish way - i.e., if the participants are not anonymous, and fraudulent transactions can be reversed.<p>This can be done - bitcoin itself doesn&#x27;t provide these features technically, but it can be done by paypal; the question is why would they - it probably is less profitable than their current transactions.
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chatman超过 11 年前
This is just speculation. I don&#x27;t see any concrete signs of EBay integrating bitcoins support in PayPal in the near term.
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csense超过 11 年前
&gt; develop[ing] a way to facilitate transfers without risk of widespread fraud...may be a tall order for eBay<p>No it isn&#x27;t. The bitcoin seller transfers the bitcoins to a bitcoin address controlled by Paypal. Paypal sends USD from the buyer&#x27;s Paypal balance to the seller&#x27;s Paypal balance, and BTC from the Paypal-controlled bitcoin address to the buyer&#x27;s bitcoin address.<p>Paypal knows the dollars and the bitcoins both exist, and can deliver them to the right party itself, so the parties don&#x27;t have to trust each other to complete the transaction; they just have to trust Paypal.<p>There is a problem, I guess, if the USD comes from a source like a credit card that may eventually be reversed, or if the buyer claims a hacked account. But you could get around that with some waiting period, requiring a Paypal balance&#x2F;bank transfer for Bitcoin transactions (credit cards can&#x27;t fund Bitcoin purchases), and&#x2F;or requiring 2-factor auth for large transactions &#x2F; Bitcoin transactions.<p>Processing an eBay transaction is actually harder to prevent fraud, because it&#x27;s hard for Paypal to tell that physical goods were as described, and delivered to the right party. (AFAIK eBay basically has humans reading what both parties wrote and using their judgment to deal with disputes about product delivery.)
oleganza超过 11 年前
All the difficulty of buying&#x2F;selling Bitcoins for cash online only highlights how inflexible it is to move money with legacy technologies. Everyone who touches fiat currency must comply with tons of costly regulations, allow reversal of transfers and verify identities of people involved. This not only increases costs for everyone, but also reduces competition. The only stuff that can be irreversibly transferred is either physical commodity (including paper cash and precious metals) or Bitcoin.<p>But, luckily, once you buy yourself some bitcoins, you may do whatever you want with them. Buy stuff, gamble, donate, pay freelancers, or anonymize as much as you want.<p>There are only two ways eBay can possibly &quot;embrace&quot; Bitcoin:<p>1. By promising non-reversible transfers of USD when exchanged for Bitcoin. This may be problematic if there are some &quot;customer protection&quot; regulations that demand possibility to return funds.<p>2. By separating USD payments from BTC payments completely. E.g. you can sell&#x2F;buy stuff on eBay for BTC without converting it to USD on eBay, but elsewhere. This is much more doable without triggering FinCEN regulations or chargebacks.
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drill_sarge超过 11 年前
I think the concept of (anonymous, decentralized) Bitcoin transactions and PayPal is self defeating.
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conductr超过 11 年前
I would think the free aspect of Bitcoin would be appealing to eBay&#x2F;Paypal, assuming the bulk of the ~3% fee goes to a bank&#x2F;Visa&#x2F;MC. The users are accustomed to paying the fee, so eBay has an opportunity to keep it all to themselves
surge超过 11 年前
I&#x27;ve used Bitcoin intentionally to get away from PayPal. So for me, the more PayPal stays away from Bitcoin, the happier I&#x27;ll be.<p>I&#x27;d much rather deal with a new company, like coinbase, who can jump through the necessary hoops.
gesman超过 11 年前
The only solution to bitcoin transactions is either trust-based (no strangers involved) or irreversible cash-based payments for bitcoins, possibly supported by trusted escrow service in the middle.
quattrofan超过 11 年前
Ok so at the moment its only a potential problem in the US, not the rest of the world.
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Grue3超过 11 年前
Bitcoin must be scrapped and engineered from scratch to fix its inherent flaws (if it&#x27;s even possible).
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