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      "title": "Binance must stop operations in Malaysia by 9 August 2021 — S.C.",
      "body": "<center>### Regulatory Struggle or Beginning of Stronger Crypto Exchanges?</center>\n\n\n![image.png](https://cdn.steemitimages.com/DQmQpS2R4Yb7HibTi7HuoNijiuQDBzdRCTfSxm3vodc4tSQ/image.png)\n\n<center>Image Source :Bangkok Post</center>\n\nOn 30th July 2021, The Securities Commission Malaysia (SC) announced their actions against Binance for illegally operating a Digital Asset Exchange (DAX) and all DAX operators must be registered as Recognised Market Operators (RMO) with the SC [1].\n\nThe following four(4) Binance entities are ordered to disable the Binance website and its mobile apps in Malaysia within 14 days from 26th July 2021.\n\nBinance Holdings Limited (Registered in the Cayman Islands)\nBinance Digital Limited (Registered in the UK),\nBinance UAB (Registered in Lithuania)\nBinance Asia Services Pte Ltd (Registered in Singapore)\n\nFurthermore, all media and marketing activities, including circulating, publishing or sending any advertisements and/or other marketing materials, whether via email or otherwise has to cease immediately from providing to Malaysian investors. Binance CEO Zhao Changpeng has been specifically ordered to ensure that the above directives are carried out.\n\nThe world’s top digital asset exchange, Binance has been under heavy regulatory challenges in recent months from regulatory crackdowns in Malaysia, Thailand, Japan; Binance is also banned from operating in the United Kingdom (UK) and Italy[3]. Failing to register with the local authorities to operate unlicensed asset exchanges, definitely attracts regulatory crackdowns.\n\nRegulatory Struggle or Beginning of Stronger Cryptocurrency Exchanges?\nWith recent news on regulatory crackdowns on cryptocurrency exchanges, is it the beginning of a down fall for digital assets and the exchanges?\n\nWe do not believe cryptocurrency and exchanges would suddenly halt their operations when countries impose regulations on them. There are a few key factors that we have considered for our statement.\n\nWelcoming Regulatory Advisors Onboard\nAdapting to changing regulations\nRegulated cryptocurrency exchanges does exist\nMitigating risks of exposing to phishing/ scam coin/ underdeveloped tokens\n\n### 1. Welcoming Regulatory Advisors Onboard\n\n![image.png](https://cdn.steemitimages.com/DQmd537sVnWWonvLyQaf6J9DQHi1KJ5vC87u4Yt3E3rLper/image.png)\n<center>Binance CEO, Changpeng Zhao (CZ)</center>\n\nOn 27th July 2021, Binance CEO, Chang Peng Zhao (CZ) released a statement that he intends to resign as crypto exchange CEO and is looking for a successor to ensure that the company will cooperate with international regulators to become a regulated financial institute[2][3].\n\nBefore Binance went looking for a new and more capable regulatory expert; Ripple, a Blockchain start-up appointed former U.S. Treasurer Rosie Rios to its board, as the company battles a lawsuit from the Securities and Exchange Commission[8].\n\n### 2. Adapting to changing regulatory\nIn the United States, securities are assets that has a central third-party common enterprise, mainly raised funds through Initial Coin Offering (ICO) for start-up projects[4]. This is worrisome, as U.S. Securities and Exchange Commission (SEC) Chairman Gensler believes that the majority of crypto tokens and initial coin offerings (ICOs) violates U.S. securities laws[11].\n\nFurther to co-op with regulations, Binance have been limiting traders to open new futures and derivative positions on the platform and further reducing leverage exposure for traders from 100x to 20x[5], further limiting withdrawal limits from Binance for traders yet to have verify the Know Your Customer(KYC) process[6].\n\nCrypto exchanges could remove their tokens that mirrors off-chain securities like Tesla or Apple stocks, which Binance will cease Support for Stock Tokens on Binance.com after 14th Oct 2021 19:55 (UTC)[12].\n\n\n![image.png](https://cdn.steemitimages.com/DQmZoHPB27cLRKPGufYUpZ1KyHmBVfTc7x7XAfdo1X8Bz2W/image.png)\n<center>Uniswap DeFi Exchange</center>\nIt does not only affect centralised exchange like Binance, but DeFi platforms like Uniswap, a decentralised exchange who is now removing more than 100 tokens with characteristics ranging from tokenised stocks, mirror stocks, options and derivatives from their DeFi platform in order to co-op with the changing global regulatory requirements[7]. This may make other DeFi platforms follow suit.\n\n### 3. Regulated cryptocurrency exchanges does exist\nWe may not need to look far for a regulated cryptocurrency exchange, Securities Commission Malaysia has recognised four(4) DAX to be operated in Malaysia. Here is the list of registered DAX:\n\nLuno Malaysia Sdn. Bhd.\nMX Global Sdn. Bhd.\nSINEGY Technologies (M) Sdn. Bhd.\nTokenize Technology (M) Sdn. Bhd.\n\n![image.png](https://cdn.steemitimages.com/DQmP3EN8eNyJGPgP7BE16Nj9C2UfifNvGaZzxarnarVEchs/image.png)\n<center>Securities Commission Malaysia : KEY DIGITAL REGULATIONS</center>\n\n### 4. Mitigating risks of exposing to phishing/ underdeveloped tokens\n\n![image.png](https://cdn.steemitimages.com/DQmeXKbJvxaXd7ZahuAgvtCoRXCtFUV1g1hxu5jjrpQt44y/image.png)\n<center>Statement by Dubai Electronic Security Centre</center>\nThere are several cases of fraud regarding cryptocurrencies such as the infamous Bitconnect, a high-yield investment programme released on February 2016. However, on 17th January 2018, it shut down and BCC prices crashed by 92% instantly .\n\nThe most recent case was on 29th May 2021 when DubaiCoin was listed on the decentralised exchange and allowed retail investors to invest. It grew 1000% in 24 hours then there were claims that Dubaicoin is a phishing scam by Dubai’s government[9][10].\n\nScam news related to cryptocurrency projects are broad and inestimable, in 2020, there were almost 26,500 cases reported to the government with losses amounting up to $419 million[13].\n\nTo wrap things up, we may see how and why authorities would facilitate this technology in the “interest of investor protection”. Some degree of regulation is required to protect investors from fraud or overexposing investors to extremely high leverage, but not to an extend that could limit innovations.\n\n\n![image.png](https://cdn.steemitimages.com/DQmQcAewJXxfu9vzNV4qvEuWjDbeyetdRF5JFasPhpiu9Gj/image.png)\n\n### Reference:\n[1] Security Commission Malaysia (2021): SC takes enforcement actions on Binance. Available at: Link(Accessed: 2 August 2021).\n[2] Nagarajan.S & Shumba.C (2021) : Binance is on the hunt for a CEO. Market Insider, Available at: Link(Accessed: 2 August 2021).\n[3] Maishera. H (2021) : Are Binance’s Regulatory Struggles Just Starting? Binance Now Banned In Malaysia. Yahoo Finance. Available at: Link(Accessed: 2 August 2021).\n[4] Congressional Research Service (2021): Digital Assets and SEC Regulation. Available at: Link(Accessed: 2 August 2021).\n[5] Crawkey.J (2021) : Binance to Wind Down Derivatives in Europe; Malaysia Orders Closure. Coindesk. Available at: Link(Accessed: 2 August 2021).\n[6] McSweeney.M (2021): Binance shrinks non-KYC withdrawal limits as crypto exchanges face regulatory pressure. The Block. Available at: Link(Accessed: 2 August 2021).\n[7] Post.K & Chaparro.F (2021) : Uniswap Labs restricts access to certain tokens through its interface, citing ‘evolving regulatory landscape’. The Block. Available at: Link(Accessed: 2 August 2021).\n[8] Browne.R (2021) : Ripple appoints a former U.S. treasurer to its board amid legal fight with the SEC. CNBC. Available at: Link(Accessed: 2 August 2021).\n[9] Dubai Media Office (2021): Dubai Coin Scam Alert . Twitter. Available at: Link(Accessed: 2 August 2021).\n[10] Sommerlad. J (2021): DubaiCoin — Controversial new crypto shots up 1000% in 24 Hours amid ‘scam’ claims. Independent. Available at: Link(Accessed: 2 August 2021).\n[11] De. N (2021): SEC Chairman Gensler Agrees With Predecessor: ‘Every ICO Is a Security’. Coindesk. Available at: Link(Accessed: 3 August 2021).\n[12] Binance (2021): Ceasing Support for Stock Tokens on Binance.com and Migration to CM-Equity AG for EEA Users. Binance. Available at: Link(Accessed: 3 August 2021).\n[13] Caporl.J (2021): Study: Crypto and Investment Scams Skyrocket in 2020 and 2021, The Motley Fool. Available at: Link(Accessed: 7 August 2021).",
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      "title": "2 Sen Finance _ Part 4 : How long will our retirement fund last?",
      "body": "<center>**What is Retirement Fund?**</center>\n\nIt is depend where you come from, retirement fund can be in many names. In United States of America, it call A 401k, Central Provident Fund in Singapore, and KWSP/ EPF in Malaysia.\n\nIn Malaysia, we have Kumpulan Wang Simpanan Pekerja (KWSP) or also known as Employees' Provident Fund (EPF) . It is a federal statutory body under the purview of the Ministry of Finance. The function of this body is to manages the compulsory savings plan and retirement planning for private sector workers in Malaysia. This collected saving will be invested in securities and we get a % return annually.\n\n\n\n<center>![image.png](https://cdn.steemitimages.com/DQme1teMgwSZGSFTAHKiJFFPPxeaAJhfD4AvhDqPvupF9co/image.png)</center>\n<center>[Source](https://seeklogo.com/vector-logo/298804/kwsp)</center>\n\nSo, How long will our retirement fund last?\nIn the Linked article, studies shows the 89.2 % of Malaysian realized EPF is not enough for their retirement.\n\n**Are you one of the 89.2%?**\n\nFurther to that, during the Movement Control Order (MCO) due to covid-19, we are allowed to withdraw RM500 for 12months from our account 2. However, around 2.8mil Malaysian's EPF saving in account 2 unable to last for 12 months.\n\nThis shows us how unprepared are we when an financial emergency hit us.\n\nTherefore, we should not rely on single saving tools and should grow your saving by diversify into other investment tools such as Stocks, bonds, unit trusts, property...etc that you are comfortable with the risk involved.\n\nYou may need to study in depth before invest from the fundamental perspective such as:\n\n1. Is there a future demand from the company services / products\n2. Are your investment resilient to crisis\n3. Financial stability of a company, you may need to reach out for their Annual report for the data.\n4. Possible future growth of company.\n5. Alert to domestic and global news\n\nWhen we going through all this steps, we are practicing value investing and invest for long term. This method were and still practicing by Warren Buffet, who are a leading figure in global stock market. If not, you are just practicing gambling or speculating for the best.\n\n\n<center>![image.png](https://cdn.steemitimages.com/DQmWymhXKxVCtFPwQpaGVtKJ9biPpu4JLhwtQ1E9uVPFsxP/image.png)</center>\n<center>[Source](https://medium.com/@yonathanbadash14/value-investing-stockmarketblog-8d831dc11e86)</center>\n\nIf you have any question regarding financial topics, you are always welcome to drop by some comment below.\n\nor\n\nYour are having trouble setting up your first investment, I am happy to assist you now.",
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