美國加密貨幣提供者在監管打壓中處於邊緣

在最近針對美國加密錢包提供者的監管行動中，Acinq 和 zkSNACKs 已停止為美國客戶提供服務。 Acinq 的 Phoenix Wallet 和 zkSNACKs 的 Wasabi Wallet 出於對將自我託管錢包歸類為貨幣服務業務的擔憂而停止了對美國用戶的運營，並為錢包調整設置了不同的截止日期。

United States Crypto Service Providers on Edge Following Regulatory Crackdown

美國加密貨幣服務提供者在監管打壓後處於邊緣

In the wake of heightened regulatory scrutiny in the United States, several major cryptocurrency service providers have expressed concerns and taken steps to protect their businesses and customers. The actions come after the recent enforcement actions against Consensys, the developer of the popular MetaMask wallet, and Samourai Wallet, a cryptocurrency mixer.

在美國加強監管審查後，幾家主要的加密貨幣服務提供者表達了擔憂，並採取措施保護其業務和客戶。這些行動是在最近針對流行的 MetaMask 錢包的開發商 Consensys 和加密貨幣混合器 Samourai Wallet 採取的執法行動之後發生的。

Acinq and zkSNACKs Withdraw Services from US

Acinq 和 zkSNACKs 從美國撤回服務

Acinq, the developer of the Phoenix Wallet, and zkSNACKs, the creator of the Wasabi Wallet, have both discontinued their services for users based in the United States. Acinq has set a deadline of May 2nd for Phoenix Wallet users to adjust to the changes, while zkSNACKs implemented its new policy "effective immediately."

Phoenix 錢包的開發商 Acinq 和 Wasabi 錢包的創建者 zkSNACKs 均已停止為美國用戶提供服務。 Acinq 為 Phoenix 錢包用戶設定了 5 月 2 日的最後期限來適應這些變化，而 zkSNACKs 則實施了「立即生效」的新政策。

Acinq's Phoenix Wallet enables users to store and manage their Bitcoin (BTC) while Wasabi Wallet is known for its coinjoin functionality, which enhances privacy by mixing users' transactions together.

Acinq 的 Phoenix Wallet 使用戶能夠儲存和管理他們的比特幣 (BTC)，而 Wasabi Wallet 以其 coinjoin 功能而聞名，該功能透過將用戶的交易混合在一起來增強隱私。

Concerns over Self-Custodial Wallets

對自我託管錢包的擔憂

The decision by Acinq and zkSNACKs stems from concerns about the regulatory status of self-custodial cryptocurrency wallets. Self-custodial wallets give users complete control over their private keys, allowing them to manage their funds without relying on third-party custodians.

Acinq 和 zkSNACKs 的決定源於對自我託管加密貨幣錢包監管狀況的擔憂。自我託管錢包使用戶可以完全控制自己的私鑰，使他們能夠在不依賴第三方託管人的情況下管理自己的資金。

Following the recent enforcement actions against Consensys and Samourai Wallet, Acinq and zkSNACKs have raised concerns that self-custodial wallet providers may not be considered legitimate money service businesses (MSBs) under US law. MSBs are subject to extensive regulations, including registration, record-keeping, and reporting requirements.

繼最近針對 Consensys 和 Samourai Wallet 採取執法行動後，Acinq 和 zkSNACKs 引發了人們的擔憂，即根據美國法律，自我託管錢包提供者可能不被視為合法的貨幣服務企業 (MSB)。 MSB 受到廣泛的監管，包括註冊、記錄保存和報告要求。

Regulatory Landscape

監管環境

The regulatory landscape for cryptocurrencies has been evolving rapidly, with different jurisdictions taking varying approaches. While the US is taking a more proactive stance, European regulators have recently eased potential proposed regulations concerning self-custody wallets.

加密貨幣的監管環境一直在迅速發展，不同的司法管轄區採取了不同的方法。儘管美國採取了更積極主動的立場，但歐洲監管機構最近放寬了有關自我託管錢包的潛在擬議法規。

On March 23rd, the European Parliament's lead committees scrapped a 1,000 euro ($1,080) limit on crypto payments from self-hosted crypto wallets as part of new anti-money laundering laws. This move indicates a more flexible approach towards self-custody wallets.

3 月 23 日，作為新反洗錢法的一部分，歐洲議會領導委員會取消了對自託管加密錢包的加密支付 1,000 歐元（1,080 美元）的限制。此舉表明自助託管錢包採取了更靈活的方法。

Financial Loss Risks

財務損失風險

The implications of the recent regulatory actions and the concerns raised by Acinq and zkSNACKs are significant. If self-custodial wallet providers are deemed MSBs, they could face increased regulatory scrutiny, compliance costs, and potential legal liability.

最近的監管行動以及 Acinq 和 zkSNACKs 提出的擔憂的影響是重大的。如果自我託管錢包提供者被視為 MSB，他們可能會面臨更嚴格的監管審查、合規成本和潛在的法律責任。

Moreover, users of self-custodial wallets may be subjected to additional restrictions and reporting requirements, which could diminish the privacy and autonomy that these wallets offer.

此外，自我託管錢包的用戶可能會受到額外的限制和報告要求，這可能會削弱這些錢包提供的隱私和自主權。

Conclusion

結論

The actions taken by Acinq and zkSNACKs highlight the growing regulatory uncertainty surrounding cryptocurrencies in the United States. As regulators continue to grapple with the challenges posed by this emerging asset class, businesses and users alike are navigating a complex and evolving landscape.

Acinq 和 zkSNACKs 採取的行動凸顯了美國加密貨幣監管日益增長的不確定性。隨著監管機構繼續應對這一新興資產類別帶來的挑戰，企業和使用者都在應對複雜且不斷變化的環境。

It remains to be seen how the regulatory environment will develop and what further implications it may have for the cryptocurrency ecosystem. However, it is clear that the regulatory scrutiny of self-custodial wallets and other crypto-related businesses is likely to continue, shaping the future of the industry.

監管環境將如何發展以及它可能對加密貨幣生態系統產生什麼進一步影響還有待觀察。然而，很明顯，對自我託管錢包和其他加密相關業務的監管審查可能會繼續下去，從而塑造該行業的未來。