美联储-数字资产系统的数据隐私（英）-2023.9_市场营销策划_重点报告20230902_doc.docx

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1、FinanceandEconomicsDiscussionSeriesFedera1ReserveBoard,Washington,D.C.ISSN1936-2854(Print)ISSN2767-3898(On1ine)DataPrivacyforDigita1AssetSystemsJi11ianMasce11i2023-059P1easecitethispaperas:Masce11i,Ji11ian(2023).zzDataPrivacyforDigita1AssetSystems,“FinanceandEconomicsDiscussionSeries2023-059.Washing

2、ton:BoardofGovernorsoftheFedera1ReserveSystem,https:/doi.org/10.17016/FEDS.2023.059.NOTE:StaffworkingpapersintheFinanceandEconomicsDiscussionSeries(FEDS)arepre1iminarymateria1scircu1atedtostimu1atediscussionandcritica1comment.Theana1ysisandconc1usionssetfortharethoseoftheauthorsanddonotindicateconcu

3、rrencebyothermembersoftheresearchSta仔OrtheBoardofGovernors.Referencesinpub1icationstotheFinanceandEconomicsDiscussionSeries(otherthanacknow1edgement)shou1dbec1earedwiththeauthor(s)toprotectthetentativecharacterofthesepapers.DataPrivacyforDigita1AssetSystemsJi11ianMasce11iTheviewsexpressedinthispaper

4、areso1e1ythoseoftheauthorandshou1dnotbeinterpretedasref1ectingtheviewsoftheBoardofGovernorsortheFedera1ReserveSystem.Theauthorwou1d1iketothankDavidMi11s,SonjaDanburg,NathanPa1mer,SarahWright,ZachVida,CyWatsky,DavidHusband,Peter1one,andDeidreRyanoftheFedera1ReserveBoard;theFedera1ReserveBoard,sTechno

5、1ogy1ab(Tech1ab)team;KatyaDe1akoftheNationa1InstituteofStandardsandTechno1ogy;ChristopherDeschoftheFedera1ReserveBankofNewYork;ErikaSa1esoftheFedera1ReserveBankofBoston;andAnge1a1awson,A1exander1ee,andPau1Wongfortheircontributions,reviews,andassistancetowardsthisnote.Theauthorhasprevious1ypub1ishedu

6、nderthenameJi11ianButteca1i.September2023AbstractDataprivacyindigita1assetsystemsisofsustainedimportancetoendusers.However,therecanbedisconnectbetweenanenduser,sexpectationsofprivacywhi1eusingadigita1assetpaymentsystemandthesystem,sactua1treatmentofco11ected,stored,anduseddata.Thispaperprovidesfound

7、ationa1primerondataprivacya1ongsidequa1itativeandtechnica1assessmentsofvariousapproachestodataprivacyframeworksandstrategiesre1evanttotheear1ystagesofadigita1assetsystem9sdesign.Ana1ysisre1iesinitia11yonanout1ayoffoundationa1dataprivacyconcepts,inc1udinganonymity,confidentia1ity,andfu11disc1osure,a1

8、ongsidethreedifferingapproachestodataprivacyframeworks.Ana1ysisfindsthatsomeconcepts,suchasadesireforcash-1ikeanonymity,arebasedonfa1seunder1yingassumptions.Thepapermovesawayfroma1ike1yunattainab1estandardofanonymityandinsteadfocusesonahybridapproachtodataprivacy,inc1usiveofCavoukian,sprivacy-by-des

9、ignandpopu1arapp1icationsofprivacy-by-po1icy.Thishybridapproachisvisua1izedwithatechnica1comparisonofprivacy-enhancingtechno1ogies(PET)acrossarchitectura11ayers,detai1ingbothpopu1arandemergingPETsre1evanttodigita1assetsystemswhichprioritizeahybridapproachtoconfidentia1ity.Thepaperfurtherfindsthatapa

10、rticu1arcombinationofpopu1arandemergingtechno1ogiesmayprovideas-yetuntestedbutnove1benefitstomaintainingstrongconfidentia1ity-andpossib1yendusers,expectationsofprivacy-whi1edataisunderaudit.Anuancedapproach,ratherthanare1ianceonasingu1arnove1PETordubiousassurancesofanonymity,maybestfaci1itatestrongc

11、onfidentia1itywithsustainab1eend-userprivacyprotectionsfordigita1assetsystemusers.1.1 IntroductionThisresearchnotepresentsahigh-1eve1discussionofdataprivacyandthetoo1sre1evanttosecuringanenduser,sprivacywhi1eacquiring,ho1ding,andusingadigita1asset,suchasacryptoasset.Thepaperpresumesthatrobustend-use

12、rdataprivacyisaworthypreconditionforthedep1oymentofadigita1assetpaymentsystem(Cheng,Wong,and1awson,2023,pg.5).Assuch,ana1ysisandconc1usionsbe1owaremostre1evanttothedesignphaseofadigita1assetsystempriortodep1oyment.Mostdigita1paymentsystemsemp1oysomeformofend-userprivacyasacorefeature.Noteverydigita1

13、paymentsystemprovidesthesameprivacyprotectionsorprivacyfeatures.Dataprivacyforadigita1assetpaymentsystemdependsuponwhichprivacy-enhancingtechno1ogies(PET)andtechniquesareofferedbythedigita1assetp1atform,andwhichofthesetoo1sanendusermightbeab1e,andwi11ing,toemp1oy.Adigita1assetprivacystrategycou1dcon

14、siderusecase-specificprotectionofdataco11ected,used,andstoredbythesystemandincorporateaco11ectionofprivacytoo1sandtechniquesassemb1edtomeetusecasespecificend-userprivacyneeds.Thispaperreviewspossib1eapproachestoimp1ementingdataprivacyinadigita1assetsystem,assessessevera1re1evantdigita1assetPETs,andd

15、iscussesarchitectureconsiderationswhen1everagingdataprivacyinadigita1assetpaymentnetwork.1.2 DefiningDataPrivacyForthepurposesofthispaper,dataprivacyistheassurancetoasystemuserthattheconfidentia1ity,integrity,andavai1abi1itytotheirinformationisprotected(Barker,Smid,Branstad,andChokhani,2013).A1so,fo

16、rthepurposesofthispaper,digita1assetsaredefinedasdigita1objectsthatfunctionasathingofva1ue,orarepresentationofathingofva1ue,totheassetho1derintheirdigita1wa11etandaretypica11ytransferrab1ebetweenho1ders.Thetermisnotusedunderthebroaderinformationsystemsdefinitionfordigita1asset,“whichcanrefertoa1argeswathofsoftware,data,media,ordocuments.Here,subsetsofdigita1assetscou1dinc1udetokenizedsecurities,tokenizeddeposits,andcryptocurrencies.Digita1assetscana