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Circle: BitLicense Would Force Us to Block New York Customers

Circle: BitLicense Would Force Us to Block New York Customers

Circle: BitLicense Would Force Us to Block New York Customers

Circle CEO Jeremy Allaire argues that New York's proposed BitLicense would force his business out of the state's market.

Circle CEO Jeremy Allaire argues that New York's proposed BitLicense would force his business out of the state's market.

Circle CEO Jeremy Allaire argues that New York's proposed BitLicense would force his business out of the state's market.

AccessTimeIconAug 13, 2014, 7:50 PM
Updated Aug 18, 2021, 3:13 PM

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Two top Circle executives have issued strong critiques of New York's proposed bitcoin regulations.

In a new blog post, Circle CEO Jeremy Allaire says that the Boston-based bitcoin startup would move to block New York customers from using its service should the BitLicense proposal become law. His statement was echoed in a companion piece by company CTO Sean Neville.

Allaire is one of a growing crowd of industry leaders to weigh in on the controversial BitLicense system in recent weeks. Yet, Circle's response marks one of the first times a bitcoin company executive has declared publicly that their business would refuse to provide services to New York customers because of the proposed regulatory framework.

The Circle CEO wrote in the blog post that the regulations are “technically impossible” to comply with, creating a radically more challenging environment for digital currency companies to operate in.

He concluded:

“Without some material changes, Circle will have no choice but to block New York customers from accessing our services.”

The full post included several proposals detailing how Allaire believes the BitLicense proposal could be made more inclusive, while better positioning the bitcoin industry for growth.

Circle not alone in opposition

Calling the proposal potentially “devastating to the industry”, Allaire said that the regulations should focus more on the financial side of the bitcoin economy than the software or infrastructure aspects. This top-down approach puts developers at a significant disadvantage owing to what Allaire said were onerous and misguided rules.

Allaire’s comments were paired by an essay issued by Neville. Published on popular blog publishing platform Medium, Neville's piece asserts that Circle is not the only company looking to stay out of New York should the framework receive final approval.

Neville wrote:

“If the 'BitLicense' becomes law as drafted, this way of giving people control over their own money will be impossible and illegal in New York. At Circle, we may be forced to block all New York residents from using our services. We’re not alone.”

In his blog post, Allaire argued that it doesn’t make sense for the law to target companies that aren’t handling fiat currencies. Though, he noted his belief that this provision is a reflection of a broader misunderstanding of bitcoin and block-chain technology, commenting that misguided focus on the money aspects of bitcoin could imperil the still-nascent industry.

Leave new companies be

Allaire said that Circle would consider working with New York customers under the BitLicense system – but only if specific problems are addressed and rectified.

Beyond shifting the focus away from software developers, programmers and other businesses that aren’t acting as money transmitters, Allaire said that regulators need to be mindful of the unique challenges associated with starting a company. He advocated for a “risk-based, tiered” regulatory environment that provides a degree of support to bitcoin startups.

He wrote:

“Given the highly dynamic, technology and startup driven ecosystem that stands behind digital currency, it’s vital that whatever regulatory regime emerges provides young companies the opportunity to gain their footing before they need to take on the full burden of compliance.”

Neville echoed this sentiment, saying that these burdens will stifle any involvement that venture capital firms may have sought in New York bitcoin companies, adding:

“We need an ecosystem to develop, not a set of rules that permit only a handful of well-funded companies that are then prohibited from further growth.”

For more on how the bitcoin industry is reacting to New York's proposed regulation, read our most recent report.

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