丹麥考慮監管自我託管比特幣錢包，引發業界擔憂

Trading Protocol 的 Mikko Ohtamaa 針對丹麥 FSA（金融監管局）最近的 DeFi 指導意見指出，

Denmark’s financial regulator may extend regulation to self-custodial wallets like Bitcoin [BTC] wallets. The move was sparked by recent DeFi guidance from the Danish FSA (Financial Supervisory Authority).

丹麥金融監管機構可能會將監管範圍擴大到比特幣 [BTC] 錢包等自我託管錢包。此舉是由丹麥 FSA（金融監理局）最近發布的 DeFi 指南引發的。

Mikko Ohtamaa of Trading Protocol highlighted the issue, stating:

Trading Protocol 的 Mikko Ohtamaa 強調了這個問題，並指出：

“In the latest DeFi guidance of Danish FSA, the regulator goes overboard. The guidance tries to capture everything in crypto regulation, including your Bitcoin wallet, using the ‘interface’ argument.”

「在丹麥 FSA 最新的 DeFi 指南中，監管機構的做法有些過分。該指南試圖使用‘接口’論點來涵蓋加密貨幣監管中的所有內容，包括你的比特幣錢包。

According to Ohtamaa, the interface thesis could impact a wide range of entities, including Bitcoin wallet service providers.

Ohtamaa 表示，該介面論文可能會影響廣泛的實體，包括比特幣錢包服務提供者。

“You do not need to think about it too hard to realise that everything is an interface: your computer, your web browser, your Bitcoin wallet, Uniswap website, and so on.”

“你不需要想太多就可以意識到一切都是一個介面：你的電腦、你的網頁瀏覽器、你的比特幣錢包、Uniswap 網站等等。”

DFSA’s move is driven by a perceived gap in the EU’s MiCA (Markets in Crypto Assets) regulation, which is set to become effective on 30th December, 2024. The MiCA regulations notably exclude decentralized finance.

DFSA 此舉是由於歐盟 MiCA（加密資產市場）法規中存在的缺陷所推動的，該法規將於 2024 年 12 月 30 日生效。

If adopted, the proposal could make offering BTC wallets in Denmark challenging, as highlighted by Ohtamaa.

正如 Ohtamaa 所強調的那樣，如果該提案獲得通過，可能會使在丹麥提供 BTC 錢包變得具有挑戰性。

“What this means is that no one can offer Bitcoin wallets, DEX interfaces, or anything that touches a token to Danish anymore because they would need to be regulated in Denmark.”

“這意味著沒有人可以再向丹麥提供比特幣錢包、DEX 介面或任何涉及代幣的東西，因為它們需要在丹麥受到監管。”

While Estonia reportedly took a similar approach on self-custodial wallets, the US recently rejected a related move.

據報道，愛沙尼亞對自我託管錢包採取了類似的做法，但美國最近拒絕了相關措施。

In March, claims against Coinbase Wallet were dropped in the SEC vs. Coinbase lawsuit, marking a win for self-custody wallets in the US.

3 月份，美國證券交易委員會 (SEC) 訴 Coinbase 訴訟中，針對 Coinbase 錢包的索賠被撤銷，這標誌著美國自助託管錢包的勝利。

“Significant setback for SEC w/ Judge Failla granting Coinbase’s motion to dismiss SEC’s claim that Coinbase acted as a broker by offering non-custodial digital wallet software.

「Failla 法官批准了 Coinbase 的動議，駁回 SEC 關於 Coinbase 透過提供非託管數位錢包軟體充當經紀人的指控，這對 SEC 來說是重大挫折。

SEC aimed to discourage builders from developing peer-to-peer software. Didn’t work.”

SEC 旨在阻止開發者開發點對點軟體。沒起作用。

Moreover, the recently passed US crypto infrastructure bill, FIT21 Act, opted to study DeFi, like MiCA, rather than regulating it.

此外，最近通過的美國加密基礎設施法案 FIT21 法案選擇像 MiCA 一樣研究 DeFi，而不是對其進行監管。

DFSA is currently seeking feedback from private actors on the proposals, which could be revised before adoption.

DFSA 目前正在尋求私營部門對這些提案的回饋，這些提案可能會在通過前進行修改。

Adopting the DFSA proposal, as it is, could negatively impact those offering self-custody Bitcoin wallet services in Denmark, whether through apps or web browsers.

事實上，採用 DFSA 提案可能會對在丹麥提供自助託管比特幣錢包服務的人產生負面影響，無論是透過應用程式還是網路瀏覽器。