Coinbase 因近期提款延迟调查仍在继续而受到 SEC 攻击

Coinbase 正在调查延迟提款，同时账户暂停和重复交易仍然存在。该交易所还可能面临 SEC 对其计划中的 Lend 产品采取的法律行动，尽管 Coinbase 努力进行对话，但该机构仍将其视为证券发行。 Coinbase 首席执行官布莱恩·阿姆斯特朗 (Brian Armstrong) 称 SEC 的行动“粗略”，并坚称该公司致力于遵守法律。

Coinbase Faces Ongoing Investigation into Withdrawals Delays Amid SEC Scrutiny

Coinbase 在 SEC 审查中面临提款延迟的持续调查

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.

著名的加密货币交易所 Coinbase 表示，正在积极调查用户昨天遇到的提款延迟问题。不过，该交易所坚称该问题已得到解决。

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.

尽管有这样的说法，但有关平台上账户被暂停和重复交易的大量报告仍在不断出现。据推测，Coinbase的技术困难可能与近期加密货币市场的波动有关，比特币在一小时内暴跌10%。这种负面趋势在盘前交易中持续存在，与更广泛的市场低迷同时发生。值得注意的是，另一家加密货币交易所 Bitfinex 也因 DDoS（分布式拒绝服务）攻击而出现停机。

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.

尽管技术中断令人担忧，但 Coinbase 还面临美国证券交易委员会 (SEC) 的严格审查。这家总部位于旧金山的交易所透露，它已收到 SEC 的“威尔斯通知”，表明该机构打算就 Coinbase 计划推出其高收益产品 Lend 采取法律行动。

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.

当 SEC 预期对某个实体采取执法行动时，通常会发出威尔斯通知。 Lend 计划旨在为美元硬币 (USDC) 持有者提供 4% 的利息，美元硬币是与美元挂钩的第二大加密货币。尽管过去六个月 Coinbase 和 SEC 进行了广泛讨论，但据报道，该机构已将 Lend 归类为证券产品。

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 为 Lend 提交书面辩护。尽管 SEC 立场的原因尚不清楚，但 Coinbase 已宣布将最早将 Lend 的推出推迟到 10 月份，以等待“进一步的监管明确性”。

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 首席执行官布莱恩·阿姆斯特朗 (Brian Armstrong) 对 SEC 的行为表示不满，称其“粗略”。他强调了 Coinbase 对法律合规性的承诺，并承认某些法规可能含糊不清。阿姆斯特朗进一步指出，美国证券交易委员会在联系其寻求指导时最初表示 Lend 是一种证券，但拒绝提供这种分类的理由。

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.

阿姆斯特朗强调了 SEC 方法的不一致之处，并表示：“如果您实际上在整个行业中平等地执行它，那就太好了。”他补充说，SEC 已要求 Coinbase 提供记录和证词，并威胁在没有任何明确理由的情况下采取法律行动。

"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，美国证券交易委员会的目标是保护投资者并创造公平的市场，”阿姆斯特朗说。 “那么他们在这里保护谁，伤害在哪里？人们似乎很高兴在许多其他加密货币公司的这些不同产品上赚取收益。”

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.

对提款延迟的调查以及 SEC 对 Lend 的审查引起了加密货币社区的担忧。这些发展凸显了该行业在不断变化的法律环境中所面临的持续监管挑战。当 Coinbase 致力于解决这些问题时，情况将如何发展以及它将对整个加密货币市场产生什么影响还有待观察。