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Research report
COVID-19 pandemic places digital payment regulation at centre stage
14 May, 2020
COVID-19 has renewed the regulatory focus on digital payments, reminding us that digital payment solutions require regulatory certainty.
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News release
SEBA Bank and Tokensoft to enter strategic partnership for asset tokenization
11 May, 2020
Two industry leaders, SEBA Bank and Tokensoft, enter into a strategic partnership for asset tokenization. Tokensoft’s innovative tokenization platform will become an integral component of SEBA’s asset tokenization offering for existing and emerging client demands.
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Research report
Bitcoin halving: The battle of hard and soft money
07 May, 2020
Bitcoin halving is just around the corner. In this Digital Investor edition, the first section compares and contrasts halvings of Bitcoin and other assets. The second section invites readers to explore how mining dynamics are expected to change post-halving. We then estimate how prices may behave given a no-arbitrage condition.
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Research report
How Crypto-Asset Wallets Work
23 April, 2020
In this edition of The Bridge, we introduce you to different types of encryption techniques and how crypto-asset wallet encryption techniques secure transactions in a blockchain network.
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Research report
Crypto AML: a complex but worthy compliance effort
16 April, 2020
The implementation of the global anti-money laundering Travel Rule standard for virtual assets is a daunting compliance task, but once achieved, will boost the credibility of the cryptofinance industry.
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News release
Historical evidence for bitcoin performing like digital gold
03 April, 2020
In the first days after the outbreak of the coronavirus crises in the West, crypto plunged like traditional asset classes. Bitcoin was pronounced dead. A historical analysis by SEBA Research of several assets indicates that except for this event, crypto does not correlate with stock markets. In spite of BTC price drop, the underlying blockchain technology has operated well. Furthermore, the demand for stable coins is on the rise. Both observations indicate that crypto is supported by a robust technology and is here to stay. Looking at the blockchain network fundamentals, significant drop in difficulty as it was the case last week, has historically been a reliable indicator for price bottom formation.
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Research report
Bitcoin, gold, and coronavirus
03 April, 2020
Does bitcoin as outside money stand a chance to weather the coronavirus storm? In this article, we present the empirical analyses of various crises and bitcoin bottoms.
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Research report
Bitcoin is dead, long live Bitcoin
22 March, 2020
In this special edition of the Digital Investor, we present our take on the recent crash in financial markets. As the Coronavirus took the entire world by storm, financial markets across the board started tumbling in synchronisation. Amidst this crash, all the correlation theories seemed to be breaking down. Does this mean that digital assets will forever be correlated with broader markets? What happens in this new regime of zero interest rates? We think that in such an environment, cryptocurrencies, as outside money, can prove to be a much needed diversifier.
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Research report
Forks: A double-edged sword
19 March, 2020
The Bridge is a publication designed to explain the key concepts behind blockchain and crypto-currencies. If you are unfamiliar with forks, this article is made for you. A fork is the action uses to change the rules that govern a blockchain ecosystem. What are the different types of forks? How do they impact different stakeholders in a blockchain ecosystem? We explain all of this in the March edition of the bridge.
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Research report
Market update: Coronavirus
13 March, 2020
As the coronavirus disease spreads, economies slow and global financial market sold off. Bitcoin price has dropped substantially. What does it mean for crypto-currencies?
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Research report
USA once again rejects an ETF on bitcoin
12 March, 2020
The US authorities rejected the last pending Bitcoin ETF proposal. The decision further delays the adoption of cryptocurrencies in the USA, evidences the controversial decision-making process and brings to the fore more pragmatic and innovative jurisdictions such as Switzerland.
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Research report
Time to Bank on DeFi | DeFi and Open Finance
05 March, 2020
DeFi or decentralised finance has been growing at an astonishing pace. Should you participate in it? If you have an appetite for risk, how can you participate? In this edition of the Digital Investor, we explore the good, the bad, and the ugly of DeFi.
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Research report
Tokenisation: Unlocking value
20 February, 2020
Tokenisation of assets is one of the hottest topics in the fintech industry. Many believe in its potential to change the financial world for the better. In this edition of the Bridge, we talk about tokenisation and everything related to it. If the notion is foreign to you, then this article is for you.
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Research report
CBDCs & Asset Tokenisation - Digital Regulation in 2020
13 February, 2020
Central bank digital currency (CBDC) and tokenisation are dominating regulatory discussions. A wholesale CBDC is likely to come into being in 2020. Widespread asset tokenisation would give rise to numerous regulatory issues, making advanced jurisdictions such as Switzerland particularly attractive.
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Blog
Will 2020 be the year of tokenization?
11 February, 2020
It is customary in articles like this to trumpet that “2020 will be the year when digital assets explode”. We are all eager to see blockchain achieve wider adoption, but I believe we need to adopt a slightly longer time horizon. It will most likely take three to five years to fully establish the infrastructural bedrock of this industry. But bearing in mind that the conventional financial institutions we now take for granted took hundreds of years to evolve, a few years is not long to wait.
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Research report
Ethereum 2.0: Where the rubber meets the road
06 February, 2020
To achieve the goal of serving as a decentralised platform for all sorts of applications, Ethereum needs to scale. It envisions achieving this by moving from a proof-of-work to proof-of-stake consensus algorithm. In this article, we look at the challenges that arise through this transition and at the yields investors may expect by staking.
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Research report
Outlook 2020 | The Future of the Crypto Market
28 January, 2020
In this publication we underscore the importance and the current state of digital assets against the backdrop of looming uncertainty in traditional asset classes. In our market outlook, we take the risk to combine a macro view with trends in the digital asset industry.
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Research report
Proof-of-Stake: Have skin in the game
23 January, 2020
This edition of the Bridge focuses on staking, a process at the heart of the proof-of-stake consensus mechanism. If this notion is foreign to you, then this article is for you.
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Research report
The Basel Committee: Crypto-asset Regulation
16 January, 2020
The Basel Committee on Banking Supervision (BCBS) issued a discussion paper on prudential crypto-assets standard. While the initiative is laudable, the preliminary direction is misguided in our view.
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Research report
Bitcoin halving: buy in May and go away?
08 January, 2020
Bitcoin halving is arguably the most important known event for the crypto-asset industry in 2020. The third Bitcoin halving is expected to take place in May 2020. Will it help bulls regain control?
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Research report
Mining: the essence of proof-of-work
19 December, 2019
This edition of the Bridge focuses on mining, a process at the heart of the proof-of-work consensus mechanism. If this notion is foreign to you, then this article is for you.
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News release
SEBA Expands into 9 Markets
12 December, 2019
SEBA Bank, an integrated bank for digital and traditional assets and licensed by the Swiss supervisory authority FINMA, is now onboarding clients from 10 jurisdictions through a user-friendly digital onboarding process.
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Research report
Switzerland Boosts DLT/Blockchain Framework Conditions
11 December, 2019
The Swiss Federal Council has adopted the dispatch to further improve the DLT/blockchain regulatory framework. Switzerland is consolidating its leading position, reinforcing legal certainty, removing barriers to entry and reducing the risk of abuse.
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Research report
Fundamental price determinants of crypto assets
05 December, 2019
In this month’s Digital Investor, we start to examine a topic that is set to accompany us in the coming years: what are the price determinants of crypto assets? If you are a crypto investor or plan to become one, this publication is here to help you to trade crypto assets.
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News release
SEBA launches its investment solutions with new crypto index
26 November, 2019
SEBA Bank starts its investment business and launches the SEBA Crypto Asset Select Index (SEBAX) for crypto currencies. SEBAX addresses the predominant problem of traditional market value-weighted indices, making index investments interesting for the digital investment market as well.
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Research report
Consensus: the truth seeker
21 November, 2019
In this edition of “The Bridge,” we will introduce you to the consensus mechanism, a notion at the heart of all blockchain-based systems. It is the mechanism that creates trust in the system by acting as a truth seeker. We will use the Byzantine General’s problem to explain the two main consensus mechanisms: Proof of Work (PoW) and Proof of Stake (PoS).
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Research report
Tackling the Issues of Stable Coins and Digital Money
14 November, 2019
International regulators have defined strict authorization criteria for Global Stable Coins (GSC) such as Libra. In the short term, no such coins will go live. They have also made it clear that Central Bank Digital Currencies (CBDCs) are inevitable. China may be the first state to issue one. Overall, this intense regulatory focus is enhancing trust in digital and crypto finance.
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News release
SEBA Bank launches operative business
12 November, 2019
Swiss clients can now officially open an account with an integrated bank focusing on digital assets
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Research report
Are crypto-assets suitable for institutional investors?
07 November, 2019
For years, crypto-asset has been a confidential asset class for non-institutional investors. However, we observe growing “institutionalisation”. In this issue of The Digital Investor, we give a broad overview of the state of the institutionalisation process to assess whether it has reached a level of development that is advanced enough to attract institutional investors.
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Research report
Hello, Crypto World | What is the Blockchain
24 October, 2019
Blockchain 101: A simple analogy with a famous board game. Whether you play chess or not, this publication is for you. We invite you to discover the crypto world through the game of chess. Don’t be afraid. No prior knowledge in either blockchain or chess is required.
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Research report
Switzerland tackles stable coins
17 October, 2019
The Swiss Financial Market Supervisory Authority (FINMA) published guidelines on stable coins (including Libra), thereby increasing regulatory certainty around these type of projects. The Swiss National Bank (SNB) assessed stable coins from a macroeconomic perspective, while the G7 handed off work on regulatory issues to the Financial Stability Forum (FSB)
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Research report
Crypto assets: An emerging asset class
11 October, 2019
What makes crypto assets an attractive addition to an investor’s portfolio? Our analysis shows that a small exposure to crypto assets can enhance portfolio performance for the given level of risk as the low correlation of crypto assets with traditional asset classes allows them to act as an effective portfolio diversifier.
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Research report
Negative yields, cash and cryptocurrencies
05 September, 2019
Imagine that in a near future this universe becomes reasonably large and liquid, or in other words, it becomes as mature as other alternative asset classes such as commodities and hedge funds.
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News release
FINMA licence received
26 August, 2019
SEBA receives FINMA banking and securities dealer licence allowing it to close the gap between traditional and digital asset markets
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Research report
Implications of Litecoin’s reward halving
02 August, 2019
In this article, we look at historical examples and draw conclusions regarding reward halving impact on price, mining profitability, transaction fees and network hashrates.
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Research report
Enter Project Libra
05 July, 2019
We believe Libra to be the most significant blockchain project initiated by a publicly listed multinational corporation since JP Morgan announced JPM coin.
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News release
Peter Gerlach for election
26 February, 2019
SEBA Crypto AG enters partnership for Digital Asset Services with Julius Baer and proposes Peter Gerlach for election to the Board of Directors
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Media coverage
SEBA Crypto AG raises CHF100 million
27 September, 2018
SEBA Crypto AG raises CHF100 million to build a FINMA licensed Bank and Securities Dealer
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Blog
Letter to the World
26 September, 2018
Blockchain technology, the Internet of Things melding with the Internet of Money, the convergence of Cryptography, Computer Science and Economics – all of these technologies are enablers of the Fourth Industrial Revolution, which many believe is upon us.
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