FaceCoin: Here’s What Facebook Could Build In Blockchain And Cryptocurrency
CB Insights | April 30, 2019
Could blockchain be an answer to scandal-plagued Facebook?
While a “Facecoin” might not lay the company’s many controversies to rest, it could potentially address everything from centralized single sign-on to cheaper payments processing. A variety of different signals point to Facebook getting serious about blockchain and digital currency.
For one, in January 2018, Facebook CEO Mark Zuckerberg mentioned cryptocurrency when disclosing his annual project for 2018:
“There are important counter-trends to [the rise of Big Tech] — like encryption and cryptocurrency… I’m interested to go deeper and study the positive and negative aspects.”
Since then, the company has created a formalized group dedicated to exploring blockchain.
However, using the CB Insights platform, we learned Facebook has been experimenting with digital currency tech for quite some time.
See: Facebook Is Developing a Cryptocurrency for WhatsApp Transfers, Sources Say
From a new org structure to patent trends, we used the CB Insights platform to highlight Facebook’s blockchain ambitions and the possibility of a Facebook cryptocurrency — FaceCoin.
Timeline of major events
- November 2017 — Early publicity about Russian election interference using Facebook
- Jan 2018 — Zuckerberg’s personal goal for “Fixing Facebook” mentions experimenting with cryptocurrency and encryption
- March 2018 — NYT and the Guardian publish coverage on the Cambridge Analytica scandal, working with Christopher Wylie
- May 2018 — Facebook announces its largest reorganization ever, creating the blockchain group run by former Messenger boss (and ex-PayPal president) David Marcus, while also moving Instagram VP of Product Kevin Weil to the project
- June 2018 — Facebook reverses ban on cryptocurrency ads
- August 2018 — David Marcus steps down from the Coinbase board, citing a conflict of interest
- December 2018 — Bloomberg reports that Facebook is developing a stablecoin, or a cryptocurrency pegged to a basket of currencies, for transfers within its WhatsApp service
- March 2019 — Facebook acqui-hires Chainspace, which focused on smart contracts and payments, in its first blockchain acquisition
- April 2019 — Sources say Facebook is meeting with VCs to raise as much as $1B for its cryptocurrency initiative, which could help present the project as more decentralized
See: Eastern Caribbean Central Bank to Issue World’s First Blockchain-Based Digital Currency
What FB could build with blockchain and digital assets
As Facebook looks to redefine itself and expand its offerings, blockchain could be a significant lever to pull. Among many possibilities, tech commentators have theorized Facebook could build:
- Coin incentives for e-commerce
- Micropayments for services and content creators
- Banking apps
- Exchanges (competing with the likes of Coinbase)
- Identity tech
Continue to the full article --> here
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Read More
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Dragonfly Research | Haseeb Qureshi | Apr 27, 2021 Stablecoin usage has exploded in the last year. And yet, fewer and fewer people seem to understand how these stablecoins actually work. For some reason, stablecoin creators are obsessed with making these designs seem impenetrably complex. Almost every white paper is mired in equations and newly invented jargon, as though their authors are trying to convince you: trust me, you’re not smart enough to understand this. I don’t agree. At bottom, all stablecoin design is pretty simple. I’m going to show you a simple visual language to understand how all stablecoins work. Think of each stablecoin protocol as a bank. They each hold assets and owe liabilities. Each of them captures value somehow and distributes that value to “equity” holders. Consider a normal full-reserve bank. On the left side are its real assets — the actual physical dollars it holds in reserve. On the right side are its liabilities—call them “digital dollars”—which are claims on the assets in reserve. See: A Brilliant Fintech Future – Banking on Stablecoins In a full-reserve bank, each liability is matched 1:1 with assets in reserve. If someone with a digital dollar asks for the cash ...
Read More
Read More
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Read More
Read More
Bloomberg | Kevin Orland | May 3, 2021 Power Corp. of Canada’s Wealthsimple online brokerage raised C$750 million ($610 million) in a funding round that valued it about $4 billion, more than triple what it was worth in October. The round was led by existing investors Meritech Capital Partners and Greylock Partners, the Toronto-based company said Monday. Also participating are Canadian celebrities including rapper Drake, actors Ryan Reynolds and Michael J. Fox and basketball player Kelly Olynyk. Wealthsimple, which has more than 2 million users, is benefiting from surging valuations for tech companies and an increase in online trading that has fueled rivals like Robinhood Markets Inc. Wealthsimple offers commission-free stock trading as well as automated investing, cryptocurrency trading and tax services. See: Wealthsimple CEO Michael Katchen on his not-so-simple mission: to help people — especially youth — build the foundations of financial freedom The financing announcement confirmed a Bloomberg report on April 30 that the company was in talks to raise money at a valuation of at least C$4.3 billion. Wealthsimple raised C$114 million at a C$1.5 billion post-money valuation in October, giving it unicorn status. Continue to the full article --> here The National Crowdfunding & Fintech Association ...
Read More
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The Regulatory Review | April 26, 2021 Technological innovation is changing the financial sector. Cryptocurrency markets have surged to all-time highs, culminating in the historic initial public offering of Coinbase, the first major cryptocurrency company to go public on a U.S. stock exchange. Retail investors have used Reddit and various commission-free trading platforms to spark unprecedented market volatility in “meme stocks,” such as GameStop. And at the same time, the Internal Revenue Service has struggled to distribute stimulus checks to millions of Americans, highlighting the need for better technological and regulatory solutions to facilitate faster payments in the United States. New financial technology, or “fintech,” promises to make the financial system faster, better informed, and more global. Once a budding sector of finance, fintech is now a constant presence in every corner of the industry. Fintech products have opened the door to many new opportunities for consumers, investors, and businesses. But with these opportunities, come new challenges. Regulators and policymakers face key choices as they adapt to meet the needs of this constantly changing landscape while keeping investors and consumers safe. See: SEC Commissioner Peirce speak at FFCON21 May 11-13 - Register Here The Regulatory Review has invited policymakers, scholars, ...
Read More
Read More
Sifted | Ryan Weeks | Apr 28, 2021 There have been hundreds of cases of harassment in the fintech sector. Today, InChorus launched a slack bot to track and collate data on microaggressions. The fact that InChorus, a reporting platform for workplace harassment, chose fintech as its ground zero is a sobering sign for the sector. More sobering still is the fact that, this time last year, more than 500 incidents of harassment were reported through InChorus’ system by fintech employees in the UK. Of those, 85% related to gender and 10% involved “unwanted physical contact”. See: Why workplace learning matters more than ever Unsurprisingly, more than 85 companies in the sector have since signed up to the FinTech For All Charter, which aims to tackle these issues with the support of the Financial Conduct Authority, Innovate Finance, Level39 and others. The next phase in that initiative begins today, with the rollout of a new Slackbot which will track and collate data on microaggressions relating to harassment and diversity issues within the fintech sector. “We really believe in the ongoing collection of data around this problem in order to ultimately drive accountability,” said Rosie Turner, cofounder and co-CEO of InChorus ...
Read More
Read More
The Defiant | Dan Kahan | Apr 29, 2021 ETH is breaking new all-time highs of just under $2,800 on Thursday, and the breathtaking rally from $200 a year ago is coming with a boom in users. MetaMask said it has surpassed the 5M monthly active users milestone, while a popular Dune Analytics dashboard shows DeFi users just recently climbed above 2M for the first time. MetaMask Boom MetaMask’s active user base has grown 400% during the past six months, according to the April 27 blog post. The DeFi wallet had reached 1M cumulative monthly active users across its browser extension and mobile app for the first time in October 2020. Now in April, MetaMask is reporting over 5M active users over the past month. FFCON21 May 11-13: Join us for VIP Masterclasses on Decentralized Finance (DeFi) Workshops MetaMask attributed the influx of users to a combination of factors including the NFT craze and increased interest in DeFi from people in what the company calls “the Global South.” “India and Indonesia are both in the top 5 countries in terms of MetaMask mobile adoption, while Vietnam and Nigeria are in the top 10,” the post says. “Many people in these ...
Read More
Read More
Politico | Kellie Mejdrich and Zachary Warmbrodt | Apr 28, 2021 Alex Oh said in a resignation letter that she was leaving because of a "development" in a case on which she worked as a corporate lawyer. SEC Chair Gary Gensler's pick to serve as the agency's enforcement director resigned unexpectedly on Wednesday amid mounting criticism from progressives over her work as a corporate defense lawyer. Alex Oh, who was in private practice for two decades before Gensler announced her new role last week, resigned after a federal judge reprimanded her and others defending oil giant ExxonMobil in a class action lawsuit brought by Indonesian villagers. It was a stunning reversal for the SEC less than two weeks into Gensler's tenure at the helm of the agency. "In light of the time and attention it will take from me, I have reached the conclusion that I cannot address this development without it becoming an unwelcome distraction to the important work of the division," Oh said in a resignation letter. Oh walked away from the job as Gensler faced growing concern from progressives on Capitol Hill and in the activism community about his decision to hire a long-time corporate lawyer for ...
Read More
Read More
Bloomberg Opinion | Matt Levine | Apr 28, 2021 Tesla Bitcoin I wrote back in February: A funny thing for Elon Musk to do would be: Tesla Inc. buys some Bitcoin. 2. Tesla announces that Bitcoin is good now and that it bought some. 3. The price of Bitcoin goes up, because institutional adoption of Bitcoin is good for its price, but also because, by the Elon Markets Hypothesis, anything that Musk buys goes up. 4. Tesla sells some Bitcoin, making a profit. 5. Musk tweets that the price of Bitcoin is too high. 6. Bitcoin prices go down due to the Elon Markets Hypothesis. 7. Go to Step 1. Well, on Monday Tesla announced earnings, and guess what guess what guess what: Tesla pulled a new lever to juice earnings in the quarter, generating $101 million in income from selling about 10% of its Bitcoin holdings. Profit from the cryptocurrency and the sale of regulatory credits and tax benefits contributed about 25 cents to Tesla’s adjusted earnings of 93 cents a share, allowing the carmaker to beat Wall Street’s 80-cent average estimate, Dan Levy, an analyst with Credit Suisse, wrote in a note Monday. See: Elon Musk says people ...
Read More
Read More
CNBC | Yun Li | Apr 21, 2021 Key Points After a record of 109 new SPAC deals in March alone, issuance has now come to almost a standstill with just 10 SPACs in April, according to data from SPAC Research. The SEC issued accounting guidance that would classify SPAC warrants as liabilities instead of equity instruments. Bank of America’s client flows showed that retail SPAC buying slowed down significantly. The proprietary CNBC SPAC Post Deal Index has wiped out 2021 gains and fallen more than 20% year-to-date. SPAC mania has come to a screeching halt. Just last month, special purpose acquisition companies celebrated a head-turning milestone by breaking their 2020 issuance record in just three-month’s time. After more than 100 new deals in March alone, issuance is nearly at a standstill with just 10 SPACs in April, according to data from SPAC Research. FFCON21 May 11-13: The Rise of Retail Investors, Stakeholder Capitalism and IPO Innovations The drastic slowdown came after the Securities and Exchange Commission issued accounting guidance that would classify SPAC warrants as liabilities instead of equity instruments. If it becomes law, deals in the pipeline as well as existing SPACs would have to go back and recalculate their ...
Read More
Read More
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