區塊鏈分析，風險管理和銀行監管機構：監督的新時代

NYDFS對區塊鏈分析的推動標誌著一個轉折點。銀行現在必須採用加密貨幣，保護非法財務並適應不斷發展的風險。

The world of blockchain is rapidly evolving, and with it, the need for robust risk management and regulatory oversight. Recent moves by the New York State Department of Financial Services (NYDFS) are setting a precedent, extending crypto compliance rules to traditional banks and highlighting the critical role of blockchain analytics.

區塊鏈的世界正在迅速發展，隨之而來的是，需要強大的風險管理和監管監督。紐約州金融服務部（NYDFS）最近採取的行動正在為傳統銀行擴大加密貨幣規則，並突出了區塊鏈分析的關鍵作用。

NYDFS Extends Crypto Compliance to Traditional Banks

NYDFS將加密貨幣擴展到傳統銀行

In a significant move, the NYDFS, under the guidance of Superintendent Adrienne A. Harris, has directed banking organizations under its supervision to implement blockchain analytics tools. This directive, issued on September 17, extends requirements previously applied only to licensed virtual currency entities to traditional banking institutions operating in New York. This affects all state-chartered banks and branches of foreign banking organizations licensed in the state.

在一項重大行動中，NYDF在副校長Adrienne A. Harris的指導下，在其監督下指示銀行組織實施區塊鏈分析工具。該指令於9月17日發布，將先前僅適用於持牌虛擬貨幣實體的要求擴展到在紐約經營的傳統銀行機構。這會影響該州許可的外國銀行組織的所有州議會銀行和分支機構。

This isn't just about keeping up with the Joneses; it's about safeguarding the financial ecosystem. As Superintendent Harris stated, "As traditional banking institutions expand into virtual currency activities, their compliance functions must adapt, onboarding new tools and technologies to mitigate new and different risks."

這不僅僅是跟上瓊斯；這是關於保護金融生態系統。正如哈里斯（Harris）校長所說：“隨著傳統銀行機構擴展到虛擬貨幣活動，其合規性功能必須適應，登上新工具和技術，以減輕新的和不同的風險。”

Why Blockchain Analytics is Now Essential

為什麼區塊鏈分析現在至關重要

The NYDFS guidance builds on existing regulations established in April 2022, requiring licensed virtual currency firms to employ blockchain analytics to trace transactions and assess risk. With increasing bank exposure to digital assets, both through customer activity and bank-led initiatives, the regulator sees blockchain analytics as critical for several key functions:

NYDFS指南基於2022年4月制定的現有法規，要求獲得許可的虛擬貨幣公司採用區塊鏈分析來追踪交易並評估風險。隨著通過客戶活動和以銀行為主導的計劃進行的數字資產的增加，監管機構認為區塊鏈分析對多種關鍵功能至關重要：

• Screening customer wallets to assess risk exposure
• Verifying the source of incoming funds from virtual asset service providers
• Monitoring exposure to money laundering, sanctions violations, or other criminal activities
• Identifying and evaluating risks from third-party virtual asset service provider counterparties
• Comparing expected versus actual customer activity in virtual currency transactions
• Weighing risks associated with new virtual currency products or services

New York: The Strictest Crypto Regulator in the US?

紐約：美國最嚴格的加密調節器？

New York is solidifying its position as one of the strictest cryptocurrency oversight regimes in the United States. Operating in tandem with its BitLicense framework, the state's regulatory team includes more than 60 personnel with expertise in anti-money laundering laws, fraud prevention, and blockchain technology. It’s so strict that even established players find it a challenge, emphasizing the seriousness with which New York approaches crypto regulation.

紐約正在鞏固其作為美國最嚴格的加密貨幣監督制度之一的地位。該州的監管團隊與其Bitlicense框架共同運營，其中包括60多名具有反洗錢法律，預防欺詐和區塊鏈技術的專業知識的人員。這是如此嚴格，即使是成熟的球員也發現這是一個挑戰，強調了紐約對加密監管的嚴重性。

Looking Ahead: DeFi Maturation and Smarter Risk Management

展望未來：Defi成熟和智能風險管理

Looking beyond regulation, events like CoinfestAsia 2025 highlight the maturation of Decentralized Finance (DeFi). Discussions are centering around smarter risk management, sustainable yield generation, credible governance models, and robust infrastructure.

超越監管，諸如Coinfestasia 2025之類的事件突出了分散財務的成熟（DEFI）。討論圍繞更智能的風險管理，可持續的產量產生，可靠的治理模型和強大的基礎設施。

For crypto traders, this means exploring opportunities with enhanced risk tools, optimized liquidity pools, and community-driven governance. The emphasis on sustainability and credible governance could drive institutional inflows, creating more stable and reliable trading environments.

對於加密交易者來說，這意味著通過增強風險工具，優化的流動性池和社區驅動治理來探索機會。對可持續性和可靠治理的強調可能會推動機構流入，從而創造出更穩定和可靠的交易環境。

Final Thoughts: Embrace the Change

最終想法：擁抱變化

The message is clear: blockchain analytics is no longer optional; it’s a necessity. Banks and financial institutions must embrace these tools to navigate the evolving landscape of digital assets. As New York leads the way in regulatory oversight, other states and countries are likely to follow suit. So, buckle up and get ready for a future where blockchain analytics is as commonplace as a bagel on a Sunday morning in NYC. It's gonna be a wild ride, but hey, at least we'll be safe, compliant, and maybe even a little bit richer.

消息很明確：區塊鏈分析不再是可選的。這是必需的。銀行和金融機構必須採用這些工具來瀏覽數字資產不斷發展的景觀。隨著紐約領導監管監督的道路，其他州和國家可能會效仿。因此，搭扣並為未來做好準備，在紐約市星期日早上，區塊鏈分析與百吉餅一樣司空見慣。這將是一個瘋狂的旅程，但是，嘿，至少我們會安全，合規，甚至更富有。