Coinbase 因近期提款延遲調查仍在繼續而受到 SEC 攻擊

Coinbase 正在調查延遲提款，同時帳戶暫停和重複交易仍然存在。該交易所還可能面臨 SEC 對其計劃中的 Lend 產品採取的法律行動，儘管 Coinbase 努力進行對話，但該機構仍將其視為證券發行。 Coinbase 執行長 Brian Armstrong 稱 SEC 的行動“粗略”，並堅稱該公司致力於遵守法律。

Coinbase Faces Ongoing Investigation into Withdrawals Delays Amid SEC Scrutiny

Coinbase 在 SEC 審查中面臨提款延遲的持續調查

Coinbase, a prominent cryptocurrency exchange, has stated that it is actively investigating the withdrawal delays experienced by users yesterday. However, the exchange maintains that the issue has since been resolved.

著名的加密貨幣交易所 Coinbase 表示，正在積極調查用戶昨天遇到的提款延遲問題。不過，該交易所堅稱該問題已解決。

Despite this claim, numerous reports continue to surface regarding account suspensions and duplicate transactions on the platform. It is speculated that Coinbase's technical difficulties may be linked to the recent volatility in the cryptocurrency market, which witnessed a sharp 10% decline in Bitcoin value within an hour. This negative trend persisted during pre-market trading, coinciding with a broader market downturn. Notably, Bitfinex, another cryptocurrency exchange, also experienced downtime due to a DDoS (Distributed Denial of Service) attack.

儘管有這樣的說法，但有關平台上帳戶被暫停和重複交易的大量報告仍在不斷出現。據推測，Coinbase的技術困難可能與近期加密貨幣市場的波動有關，而比特幣在一小時內暴跌10%。這種負面趨勢在盤前交易中持續存在，與更廣泛的市場低迷同時發生。值得注意的是，另一家加密貨幣交易所 Bitfinex 也因 DDoS（分散式阻斷服務）攻擊而出現停機。

While the technical outages were a cause for concern, Coinbase also faced significant scrutiny from the U.S. Securities and Exchange Commission (SEC). The San Francisco-based exchange disclosed that it had received a "Wells Notice" from the SEC, indicating the agency's intent to pursue legal action over Coinbase's planned launch of its high-yield product, Lend.

儘管技術中斷令人擔憂，但 Coinbase 也面臨美國證券交易委員會 (SEC) 的嚴格審查。這家總部位於舊金山的交易所透露，它已收到 SEC 的“威爾斯通知”，表明該機構打算就 Coinbase 計劃推出其高收益產品 Lend 採取法律行動。

A Wells Notice is typically issued by the SEC when it anticipates bringing enforcement actions against an entity. The Lend program was designed to provide 4% interest to holders of USD Coin (USDC), the second-largest cryptocurrency pegged to the U.S. dollar. Despite extensive discussions between Coinbase and the SEC over the past six months, the agency has reportedly classified Lend as a security offering.

當 SEC 預期對某個實體採取執法行動時，通常會發出威爾斯通知。 Lend 計劃旨在為美元硬幣 (USDC) 持有者提供 4% 的利息，美元硬幣是與美元掛鉤的第二大加密貨幣。儘管過去六個月 Coinbase 和 SEC 進行了廣泛討論，但據報道，該機構已將 Lend 歸類為證券產品。

The SEC requested that Coinbase submit a written defense for Lend. Although the reasons for the SEC's stance remain unclear, Coinbase has announced that it will delay the launch of Lend until October at the earliest, pending "additional regulatory clarity."

SEC 要求 Coinbase 為 Lend 提交書面辯護。儘管 SEC 立場的原因尚不清楚，但 Coinbase 已宣布將最早將 Lend 的推出推遲到 10 月份，以等待「進一步的監管明確性」。

Coinbase CEO Brian Armstrong expressed dissatisfaction with the SEC's actions, labeling them as "sketchy." He emphasized Coinbase's commitment to legal compliance, acknowledging that certain regulations may be ambiguous. Armstrong further noted that the SEC had initially indicated that Lend was a security when contacted for guidance, but declined to provide a rationale for this classification.

Coinbase 執行長 Brian Armstrong 對 SEC 的行為表示不滿，稱其為「粗略」。他強調了 Coinbase 對法律合規性的承諾，並承認某些法規可能含糊不清。阿姆斯壯進一步指出，美國證券交易委員會在聯繫其尋求指導時最初表示 Lend 是一種證券，但拒絕提供這種分類的理由。

Armstrong highlighted the inconsistency in the SEC's approach, stating, "It's nice if you actually enforce it evenly across the industry equally." He added that the SEC had demanded records and testimony from Coinbase, threatening legal action without any clear justification.

阿姆斯壯強調了 SEC 方法的不一致之處，並表示：“如果您實際上在整個行業中平等地執行它，那就太好了。”他補充說，SEC 已要求 Coinbase 提供記錄和證詞，並威脅在沒有任何明確理由的情況下採取法律行動。

"Ostensibly the SEC's goal is to protect investors and create fair markets," Armstrong said. "So who are they protecting here and where is the harm? People seem pretty happy to be earning yield on these various products, across lots of other crypto companies."

「表面上，美國證券交易委員會的目標是保護投資者並創造公平的市場，」阿姆斯壯說。 “那麼他們在這裡保護誰，傷害在哪裡？人們似乎很高興在許多其他加密貨幣公司的這些不同產品上賺取收益。”

The investigation into the withdrawal delays and the SEC's scrutiny of Lend have raised concerns within the cryptocurrency community. These developments underscore the ongoing regulatory challenges faced by the industry as it navigates an evolving legal landscape. As Coinbase works to address these issues, it remains to be seen how the situation will unfold and what implications it will have for the cryptocurrency market as a whole.

對提款延遲的調查以及 SEC 對 Lend 的審查引起了加密貨幣社區的擔憂。這些發展凸顯了該行業在不斷變化的法律環境中所面臨的持續監管挑戰。當 Coinbase 致力於解決這些問題時，情況將如何發展以及它將對整個加密貨幣市場產生什麼影響還有待觀察。