I think as another mentioned we need exchanges to be a bit more professional and to follow the sometimes rules as closely as possible. In a sense some banks are protecting us from fraud but in a sinister way some banks are indeed probably trying to limit bitcoins effectiveness. I don't think it is any coincidence that England, a banking powerhouse, is trying to limit Bitcoin.
But, in the meantime for those exchanges without bank accounts (or with them), as I mentioned in another thread a very effective method (which is used at bitcoin.de + requires 2 factor Google authentication) is to just have account holders register their bank accounts and when coins are bought/sold they are frozen in an account until the money is transferred and received by the buyer. It is slower and not without pitfalls but it is also very very effective. It is a terrible setup if you want to daytrade as you can't, the coins are essentially frozen from 1 - 4 days or so (however long the transfer takes). You basically have 12 hours to mark your transfer as sent and then the receiver marks it as paid once the money is in their account.
So, a typical exchange looks like this. I buy bitcoins from a seller. But before I confirm it I make sure they have a good record (just like on Ebay, etc.). Likewise, the seller can make sure I have a good record before they sell to me. I check my email and send the money via an online transfer to the recipient, noting the transaction code in the online form. I have 12 hours to do this and then mark it as sent. The receiver can't use the bitcoins they sold me, they are frozen in "reserve". Once the money arrives and the seller marks it as such, the coins are tranferred into my account. Both a German transfer or EU Sepa transfer are accepted and FREE. (at least at many banks).
In this manner the banks are not dealing with bitcoin exchanges directly. Rather, sellers meet buyers. There is mostly low risk and the biggest problem is that the exchanges are just overwhelmed right now. I have had one person not transfer the money as the price dropped after I sold them and he chose to just get a bad star rating. (He will have to deal with the Karma of that.
) Bitcoin.de changed the wait time for sending payments from a then 24 hours to a now 12 hours. It would be nice if they change it to one hour but that would then mostly rule out paper transfers at banks and require things to be done almost exclusively online, which they probably are anyway.
Anyway, the banks can't stop person to person transfers. There is nothing in the transaction associated with an exchange and no mention of bitcoin, just a random code.
These "growing pains" are to be expected, really, does anyone expect a revolution in economics to take place without a struggle? The thing we have on our side is that currencies all over the world are collapsing as we speak. In the process (for years now actually) central banks are selling gold puts to artificially suppress the gold price so that people think things aren't too bad with paper money. They have also been "leasing" gold (actually selling it as it is never coming back) to make up the supply demand difference. Cypress actually has to sell like 400 million of their gold due to the "bail in" (theft), at now lower prices! That will probably follow suit in other countries... Spain, Italy, Ireland, Portugal, Greece, etc. are on our side. The people are on our side for the most part. Those that aren't have just not yet been effected. As more banking crisis happen, the banks will have problems trying to control bitcoin, and letting it survive might actually help save their lives as there are going to be many unhappy people wanting at those criminals.
No more banks, no more wars...
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