歐盟計劃對加密交易，針對發件人和接收器實施完全透明度。

新的AML法律將在2027年之前禁止匿名錢包和隱私硬幣，例如Monero和Zcash。

Europe is aiming for full transparency in crypto transactions, targeting both senders and receivers, according to Eurogroup President Paschal Donohoe.

根據歐元組總裁帕斯卡爾·多諾霍（Paschal Donohoe）的說法，歐洲的目標是針對加密交易的完全透明度，以發件人和接收者為目標。

Speaking at the European Anti-Financial Crime Summit 2025 in Dublin, Donohoe also said that new anti-money laundering (AML) laws will ban anonymous wallets and privacy coins like Monero (XMR) and Zcash (ZEC) by 2027.

多諾霍在2025年的歐洲反金融犯罪峰會上發表講話時還說，新的反洗錢（AML）法律將在2027年禁止匿名錢包和隱私硬幣（例如Monero（XMR）和Zcash（ZEC））。

He added that the eurozone needs stronger oversight of crypto asset service providers (CASPs) to mitigate risks.

他補充說，歐元區需要對加密資產服務提供商（CASP）進行更強大的監督，以減輕風險。

“We need to continue to strengthen the role of the Eurosystem in crypto asset supervision,” Donohoe said.

Donohoe說：“我們需要繼續加強歐元系統在加密資產監督中的作用。”

The EU is planning to extend traditional finance-style oversight to CASPs, such as exchanges and wallets, by applying the same legal class to both types of firms.

歐盟正計劃通過將相同的法律階層應用於兩種類型的公司，將傳統的財務式疏忽擴展到庫（例如交易所和錢包）。

“We are working on a legislative reclassification of performance transfer mechanisms,” Donohoe said.

Donohoe說：“我們正在對績效轉移機制進行立法重新分類。”

He said that this would enable regulators to collect data on the senders and recipients of funds, which now applies only to CASPs.

他說，這將使監管機構能夠收集有關發件人和資金接收者的數據，這些數據僅適用於CASP。

“We need to continue to push on crypto transparency issues. We need to ensure that we can coordinate better on this agenda at EU level.”

“我們需要繼續推動加密透明度問題。我們需要確保我們可以在歐盟級別上更好地協調這一議程。”

Donohoe’s comments come as part of a years-long strategy by the EU to tighten its grip on crypto.

Donohoe的評論是歐盟為加強加密貨幣的長期戰略的一部分。

The bloc’s AML Authority (AMLA) is being positioned as a central point of contact for the new rules.

集團的AML權威（AMLA）被定位為新規則的中心接觸點。

“This is a landmark development in our collective efforts to counter financial crime,” Donohoe said.

Donohoe說：“這是我們應對金融犯罪的集體努力的里程碑發展。”

“Closer cooperation and coordination between us is absolutely critical if we are to stay ahead of the criminals who are becoming more and more sophisticated in the techniques they use.”

“如果我們要保持領先於他們使用的技術越來越複雜的罪犯，我們之間的緊密合作與協調絕對至關重要。”

The changes follow the introduction of the EU’s new crypto regulation, Markets in Crypto Assets (MiCA), earlier this year and the revised AMLR framework, which was passed in 2023.

這些變化是在歐盟新的加密法規，加密貨幣資產（MICA）的市場，今年早些時候以及於2023年通過的修訂AMLR框架。

The AMLR rules, which will take full effect by July 1, 2027, will ban crypto firms from interacting with anonymous wallets and privacy-focused coins.

AMLR規則將在2027年7月1日之前全面生效，將禁止加密公司與匿名錢包和以隱私為重點的硬幣進行互動。

EU regulators will also be able to block the IP addresses of non-compliant decentralised exchanges, in one of the most aggressive regulatory crackdowns yet seen on the industry.

歐盟監管機構還將能夠阻止在該行業迄今為止最具侵略性的監管鎮壓之一中，不合規的分散交易所的IP地址。

However, critics have warned that the rules will be difficult to enforce and could stifle innovation in the Web3 space.

但是，批評家警告說，這些規則將難以執行，並可能在Web3空間中扼殺創新。

“These rules are being written as if they were for traditional banking, but they don’t translate well to crypto’s decentralised structure,” said Unity Wallet COO James Toledano at the same event.

“這些規則的寫作就像是用於傳統銀行業務一樣，但是它們並不能很好地轉化為加密貨幣的分散結構，” Unity Wallet Coo James Toledano在同一活動中說。

“They can and will be easily circumvented as self-custodial crypto is truly global.”

“他們可以並且將很容易被規避，因為自定義的加密是真正的全球性。”

But EU officials say that transparency is a priority.

但是歐盟官員說，透明度是當務之急。

“We must continue to cooperate closely to ensure the efficient implementation of the new anti-money laundering legislation,” said Donohoe.

Donohoe說：“我們必須繼續緊密合作，以確保有效實施新的反洗錢立法。”

“We also need to continue working together to counter new and emerging threats, such as cybercrime and ransomware attacks.”

“我們還需要繼續共同努力，以應對新的和新興的威脅，例如網絡犯罪和勒索軟件攻擊。”