CRYPTO REGULATION
A free version of this essay about an easy regulatory shortcut for crypto that should work for everyone is available here.
In the evolving world of cryptocurrencies, the conversation around regulation often shifts between overreach and under-enforcement. While governments rush to impose rules on digital assets, I propose a simpler, more effective solution: the Crypto Miranda Warning. Something that crypto companies can state to their current and future customers so they understand what they are getting involved with, just like a cop reads your Miranda statement so you understand your rights in that situation.
Just as other industries have created disclaimers to protect consumers and reduce regulatory burdens, crypto needs a clear, concise statement that informs users of the risks without stifling innovation.
In traditional finance, one of the most prominent disclaimers is found on almost every investment-related document: “Not FDIC insured. May lose value. No bank guarantee.” This warning serves as a boundary between government-insured financial institutions and risk-based investment products…