德国联邦金融监管局 (BaFin) 执行董事 Birgit Rodolphe 呼吁对整个欧盟的去中心化金融 (DeFi) 领域进行创新和统一的监管。
BaFin 是德国的金融监管机构，负责监管银行、保险公司和包括加密货币公司在内的金融机构。 BaFin 是“加密货币托管许可证”的颁发者，这是希望在德国境内提供加密货币服务的公司所需的许可证。
在 BaFin 网站上的一篇文章中，Rodolphe警告 不受监管的 DeFi 空间给消费者带来的风险，并呼吁欧盟成员国进行标准化的监管考虑：
“有一件事很清楚：时钟在滴答作响。 DeFi 市场不受监管的时间越长，消费者面临的风险就越大，具有系统相关性的关键产品将建立自己的危险就越大。”
她列举了“技术问题、黑客攻击和欺诈活动”给消费者带来的风险，这些风险已经看到数以百万计的损失 并声称 DeFi 并不像其粉丝所说的那样“民主和利他”，并且 DeFi 产品“对许多人来说很难掌握”。她得出的结论是，DeFi 协议不能仅仅因为使用新技术就可以在法规之外自由运作：
“乌托邦？或者反乌托邦？如果我想推迟我的加密货币贷款，我应该联系谁？如果我的加密资产突然完全消失怎么办？无论如何，这种情况下没有存款保护基金。”
她补充说，传统金融体系之外的贷款、借款、保险和其他产品在提供时都受到许可和监管，并呼吁监管机构制定规则，让 DeFi 提供商在法律上更加清晰。
Rodolphe 强调了 BaFin 的“加密货币托管业务”许可证2020年1月推出 作为对加密业务具有“吸引力”的监管制度。
该许可证允许公司在德国提供加密服务。目前，只有四家供应商获得批准，但许多金融机构已递交申请 . Rodolphe 写道，不同欧洲国家的监管框架应该相同：
“理想情况下，此类要求当然会在整个欧盟统一，以防止市场分散并利用欧洲的整个创新潜力。”
德国升至榜首对加密货币最友好的国家 2022 年第一季度，部分原因是其零税政策长期加密资本收益 . 2022 年 3 月的一份报告发现几乎一半的德国人 有兴趣投资加密货币。
德国也做了很多与加密相关的动作 2021 年，整个政府将进行法律改革以拥抱区块链，并收紧对加密业务的监管。该国中央银行在测试欧洲中央银行数字货币 (CBDC) 方面发挥了主导作用。
Rodolphe 总结道，新的 DeFi 法规不能弱于传统金融产品已有的标准，因为从监管的角度来看，它可以使 DeFi 产品对企业来说更具吸引力。
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