<div dir="ltr"><div dir="ltr">@AliHussein Time will tell, just to reiterate my position so it is clear; I think Libra will get the necessary approvals at least from the US Regulators once its clear China CBDC will launch which could be this year.<br><div><br></div><div>Dominance on the Internet at all levels is now paramount Geo-politically speaking as the Digital Economy becomes more mainstream and perhaps the main economy.</div><div><br></div><div><a class="gmail_plusreply" id="plusReplyChip-1" href="mailto:chemukoechk@gmail.com" tabindex="-1">@Rosemary Koech-Kimwatu</a> the question remains; does regulation follow innovation or vice versa... interested in your thoughts?<br></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Mon, Jan 27, 2020 at 10:27 AM Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="auto"><div dir="ltr">Rosemary</div><div dir="ltr"><br></div><div dir="ltr">Well put. <br><br><div dir="ltr"><div><span><b>Ali Hussein</b></span></div><div><span style="font-family:Helvetica;font-size:medium">+254 0713 601113 </span></div><div style="font-family:Helvetica;font-size:medium"><br></div><div><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Twitter: @AliHKassim</span></p><span style="background-color:rgba(255,255,255,0)"><font></font></span><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Skype: abu-jomo</span></p><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span></p><font><br></font></div><div><span style="background-color:rgba(255,255,255,0)">"We are what we repeatedly do. Excellence, therefore, is not an act but a habit." ~ Aristotle</span></div><div><br></div><div><span><br></span></div>Sent from my iPad</div><div dir="ltr"><br><blockquote type="cite">On 27 Jan 2020, at 10:18 AM, Rosemary Koech-Kimwatu <<a href="mailto:chemukoechk@gmail.com" target="_blank">chemukoechk@gmail.com</a>> wrote:<br><br></blockquote></div><blockquote type="cite"><div dir="ltr"><div dir="ltr">Good morning, <div><br></div><div>I think I would have handled the Libra roll out differently. One of the best ways to get acceptance in fairly uncharted waters, especially when dealing with regulators may be to test your products within the licensing framework already acquired, Libra already has licences in most if not all the states in the USA. Then next thing would be to build a community of users of the product with partnerships being developed along the way. What this does is that acceptance for the product is developed almost organically and regulatory limits are increasingly stretched to accommodate the product. The audacious roll out that was carried out must have been unsettling especially in regards to a product that had not yet been widely tested. Every entity that has pulled out of the network is preserving their regulatory good will. Subtle change faces less resistance!</div><div><br></div><div>Kind regards, </div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Mon, Jan 27, 2020 at 7:10 AM Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div style="font-family:georgia,serif"><a class="gmail_plusreply" id="gmail-m_-2391823153983123125gmail-m_1451325775822304871plusReplyChip-0" href="mailto:mauxdatabase@gmail.com" target="_blank">@John Karanja</a> <br clear="all"></div><div style="font-family:georgia,serif"><br></div><div style="font-family:georgia,serif">Distribution will mean nothing if the regulators and policymakers decide to declare it illegal. I know us tech entrepreneurs think we are invincible and that regulation and policy mean jack to us. I've come to be disabused of that notion. I keep on telling anyone who will listen the simple truths of life. One of them is this:-</div><div style="font-family:georgia,serif"><br></div><div style="font-family:georgia,serif"><b>"If you are not at the table partaking the lunch, dinner or breakfast...guess what? You are on the menu."</b></div><div style="font-family:georgia,serif"><b><br></b></div><div style="font-family:georgia,serif">And you can take that to the bank. Pun intended.</div><div style="font-family:georgia,serif"><br></div><div style="font-family:georgia,serif">Regards</div><div style="font-family:georgia,serif"><br></div><div><div dir="ltr"><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><p style="margin:0in 0in 0pt"><b><font face="georgia, serif" size="2">Ali
Hussein</font></b></p><p style="margin:0in 0in 0pt"><br></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>T<font size="2">el: +254 713 60<font size="2">1113</font></font><br></span></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>Twitter: @AliHKassim</span><span></span></span></font></p><font size="2"><span style="font-family:georgia,serif">
</span></font><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>Skype: abu-jomo</span></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><span>LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span><a href="http://ke.linkedin.com/in/alihkassim" target="_blank"><span style="color:windowtext;text-decoration:none"></span></a></span></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><br></span></font></p><p style="font-size:small;margin:0cm 0cm 0.0001pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:9pt;font-family:georgia;color:black"><br></span></p><font size="2"><span style="font-family:georgia,serif"><span><br><font size="1">Any information of a personal nature expressed in this email are purely mine and do not necessarily reflect the official positions of the organizations that I work with.</font></span></span></font><span style="font-family:"Baskerville Old Face",serif;font-size:11pt"></span><span style="font-size:11pt"></span>
<span style="font-family:"Baskerville Old Face",serif"></span></div></div></div></div></div></div></div></div></div></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020 at 5:21 PM mauxdatabase via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div dir="ltr">I don't disagree on Tether et al likelihood of collapse.<div><br></div><div>The Federal Reserve can't match Facebook in terms of distribution globally via the internet (Messenger/Whatsapp/Instagram) Libra is a more suitable vehicle for the e-dollar, however its created; given China Central Bank is angling to do the same with Tencent and WeChat and their CBDC. My point is there is a scramble for a dominant Internet Currency which is what FB is banking on get Libra approved...</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020 at 2:05 PM Mwendwa Kivuva via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="auto"><div>There are many claimed dollar fiat collateralized stablecoins (TUSD, USDT, PAX, GUSD, USDC) and now Libra. Many will end in tears. There is an ongoing court case already in New York on Tether (USDT) that it is not backed by $ on one to one as it is claimed, that there is no $$ collateral to match the claimed value of Tether, and Tether is used to manipulate the value of cryptocurrencies by pumping the price if BTC. <div dir="auto"><br></div><div dir="auto">My point is, a dollar backed stablecoin is not the same as a Federal Reserve Bank cryptocurrency. A Federal Reserve Bank cryptocurrency will not be backed by the dollar because it is the dollar.</div><br><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020, 12:47 PM mauxdatabase <<a href="mailto:mauxdatabase@gmail.com" target="_blank">mauxdatabase@gmail.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div dir="ltr">Agreed, Libra according to Facebook will largely be backed by USD so it is really a Corporate manifestation of the eDollar; plus we are talking about a generational play here driven globally by millennial's and younger they are looking(demanding) for both convenience and choice.</div><div dir="ltr"><br></div><div>They will run to whichever e-currency(s) have both, which is why its a race...</div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020 at 12:05 PM Mwendwa Kivuva via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="auto">It will be hard to dislodge the dollar. Federal Reserve Bank cas create a dollar serve stablecoin and tht will end the debate</div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020, 9:34 AM mauxdatabase via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div dir="ltr">Libra will probably launch when China rolls-out their digital currency via TenCent and AliPay.<div><br></div><div>Its an inevitability that the Worlds next reserve currency will be an Internet Currency so the race is on....</div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Fri, Jan 24, 2020 at 8:53 AM Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="auto">@Willis<div><br></div><div>Facebook went to great lengths to assure partners it won’t control Libra. To the extent of creating a consortium with representation across the divide. I guess they failed to dispense the fears of regulators and policy makers. I’m very convinced that the pressure to leave the Libra Consortium came from other quarters other than the reasons being given by those who are now bailing out after paying $10 million to join the Libra Consortium. </div><div><br></div><div>Read more about the Libra Consortium below.</div><div><br></div><div><a href="https://techcrunch.com/2019/06/18/facebook-libra/" rel="noreferrer noreferrer" target="_blank">https://techcrunch.com/2019/06/18/facebook-libra/</a><br><br><div dir="ltr"><div><span><b>Ali Hussein</b></span></div><div><span style="font-family:Helvetica;font-size:medium">+254 0713 601113 </span></div><div style="font-family:Helvetica;font-size:medium"><br></div><div><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Twitter: @AliHKassim</span></p><span style="background-color:rgba(255,255,255,0)"><font></font></span><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">Skype: abu-jomo</span></p><p style="margin:0in 0in 0pt"><span style="background-color:rgba(255,255,255,0)">LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" rel="noreferrer noreferrer" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span></p><font><br></font></div><div><span style="background-color:rgba(255,255,255,0)">"We are what we repeatedly do. Excellence, therefore, is not an act but a habit." ~ Aristotle</span></div><div><br></div><div><span><br></span></div>Sent from my iPad</div><div dir="ltr"><br><blockquote type="cite">On 23 Jan 2020, at 8:50 PM, Willis Muriu via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br><br></blockquote></div><blockquote type="cite"><div dir="ltr"><div dir="ltr">For me, the one major issue was that it was "controlled" by Facebook (centralized) unlike Bitcoin (decentralized.)<div><br></div><div>Another reason, I think, is because it proved to be serious competition to the Dollar, and you have heard what happens when you challenge the Dollar.</div><div><br></div><div>Regards,</div><div>Willis Muriu</div><div>+254 715 530 349<br></div></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Jan 23, 2020 at 6:37 PM Ali Hussein via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="ltr"><div><font face="georgia, serif">Interesting...Most of the incumbent players are one by one abandoning Libra. What gives? Pressure from regulators? </font></div><div><font face="georgia, serif"><br></font></div><div><font face="georgia, serif"><a href="https://www.forbes.com/sites/sergeiklebnikov/2019/10/21/here-are-all-the-companies-that-bailed-on-facebooks-libra/#674681de3487" rel="noreferrer noreferrer" target="_blank">Here</a> are some of the other companies that have bailed out on Libra. The list includes <span style="background-color:rgb(252,252,252);color:rgb(51,51,51);font-variant-ligatures:common-ligatures">Visa, Mastercard, Stripe, Mercado Pago and eBay.</span></font></div><div><font face="georgia, serif"><b><font size="2"><br></font></b></font></div><div><font face="georgia, serif">Pressure from regulators and policy makers is real.</font></div><div><font face="georgia, serif"><br></font></div><div><font face="georgia, serif">Regards</font></div><div><font face="georgia, serif"><b><font size="2"><br></font></b></font></div><div><font face="georgia, serif"><b><font size="2">Ali
Hussein</font></b></font></div><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><p style="margin:0in 0in 0pt"><font face="georgia, serif"><br></font></p><p style="margin:0in 0in 0pt"><font size="2" face="georgia, serif"><span>T<font size="2">el: +254 713 60<font size="2">1113</font></font><br></span></font></p><p style="margin:0in 0in 0pt"><font size="2" face="georgia, serif"><span>Twitter: @AliHKassim</span><span></span></font></p><font size="2" face="georgia, serif">
</font><p style="margin:0in 0in 0pt"><font size="2" face="georgia, serif"><span>Skype: abu-jomo</span></font></p><p style="margin:0in 0in 0pt"><font size="2" face="georgia, serif"><span>LinkedIn: <a href="http://ke.linkedin.com/in/alihkassim" rel="noreferrer noreferrer" target="_blank">http://ke.linkedin.com/in/alihkassim</a></span><a href="http://ke.linkedin.com/in/alihkassim" rel="noreferrer noreferrer" target="_blank"><span style="color:windowtext;text-decoration:none"></span></a></font></p><p style="margin:0in 0in 0pt"><font size="2"><span style="font-family:georgia,serif"><br></span></font></p><p style="font-size:small;margin:0cm 0cm 0.0001pt;background-image:initial;background-position:initial;background-repeat:initial"><span style="font-size:9pt;font-family:georgia;color:black"><br></span></p><font size="2"><span style="font-family:georgia,serif"><span><br><font size="1">Any information of a personal nature expressed in this email are purely mine and do not necessarily reflect the official positions of the organizations that I work with.</font></span></span></font><span style="font-family:"Baskerville Old Face",serif;font-size:11pt"></span><span style="font-size:11pt"></span>
<span style="font-family:"Baskerville Old Face",serif"></span></div></div></div></div></div></div></div></div></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Thu, Jan 23, 2020 at 4:10 PM Mwendwa Kivuva via kictanet <<a href="mailto:kictanet@lists.kictanet.or.ke" rel="noreferrer noreferrer" target="_blank">kictanet@lists.kictanet.or.ke</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div dir="auto"><p style="margin:0px 0px 1.42857rem;padding:0px;font-family:"open sans",sans-serif,arial,helvetica,sans-serif;font-weight:bold;font-size:14px;line-height:1.6;color:rgb(34,34,34);background-color:rgb(255,255,255)">Vodafone has withdrawn from Facebook’s digital currency initiative Libra, as regulators and bureaucrats circle overhead.</p><p style="margin:0px 0px 1.42857rem;padding:0px;font-family:"open sans",sans-serif,arial,helvetica,sans-serif;font-size:14px;line-height:1.6;color:rgb(34,34,34);background-color:rgb(255,255,255)">While Facebook might have become accustomed to sitting in the regulatory spotlight, it seems other companies are not as accepting of the attention. In an increasing tsunami of regulatory scrutiny, Vodafone has become the latest company to withdraw from the Libra initiative, joining the likes of Paypal and Mastercard.</p><p style="margin:0px 0px 1.42857rem;padding:0px;font-family:"open sans",sans-serif,arial,helvetica,sans-serif;font-size:14px;line-height:1.6;color:rgb(34,34,34);background-color:rgb(255,255,255)">“Vodafone Group has decided to withdraw from the Libra Association,” a Vodafone spokesperson said.</p><p style="margin:0px 0px 1.42857rem;padding:0px;font-family:"open sans",sans-serif,arial,helvetica,sans-serif;font-size:14px;line-height:1.6;color:rgb(34,34,34);background-color:rgb(255,255,255)">“We have said from the outset that Vodafone’s desire is to make a genuine contribution to extending financial inclusion. We remain fully committed to that goal and feel that we can make the most contribution by focusing our efforts on M-Pesa. We will continue to monitor the development of the Libra Association and do not rule out the possibility of future co-operation.”</p><p style="margin:0px 0px 1.42857rem;padding:0px;font-family:"open sans",sans-serif,arial,helvetica,sans-serif;font-size:14px;line-height:1.6;color:rgb(34,34,34);background-color:rgb(255,255,255)"><br></p><p style="margin:0px 0px 1.42857rem;padding:0px;line-height:1.6;background-color:rgb(255,255,255)"><font color="#222222" face="open sans, sans-serif, arial, helvetica, sans-serif"><span style="font-size:14px"><a href="https://telecoms.com/501960/vodafone-snubs-libra-in-favour-of-m-pesa/" rel="noreferrer noreferrer" target="_blank">https://telecoms.com/501960/vodafone-snubs-libra-in-favour-of-m-pesa/</a></span></font><br></p></div>
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The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
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KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
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The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
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The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
</blockquote></div></div>
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<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
</blockquote></div></div>
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<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
</blockquote></div>
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<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
</blockquote></div><br clear="all"><div><br></div>-- <br><div dir="ltr"><div dir="ltr"><div><div dir="ltr">Rosemary Koech-Kimwatu<div>Advocate </div><div>Legal and Regulatory Specialist- Oxygene MCL</div><div>Tel: +254 718 181644</div><div><br></div><div><span style="font-size:12.8px"><br></span></div><div><br></div></div></div></div></div>
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<br>
The Kenya ICT Action Network (KICTANet) is a multi-stakeholder platform for people and institutions interested and involved in ICT policy and regulation. The network aims to act as a catalyst for reform in the ICT sector in support of the national aim of ICT enabled growth and development.<br>
<br>
KICTANetiquette : Adhere to the same standards of acceptable behaviors online that you follow in real life: respect people's times and bandwidth, share knowledge, don't flame or abuse or personalize, respect privacy, do not spam, do not market your wares or qualifications.<br>
</blockquote></div></div>