新的歐盟規則目標加密匿名，授權數據收集

在都柏林舉行的2025年歐洲反金融犯罪峰會上，歐洲群島總統兼愛爾蘭財政部長帕斯卡爾·多諾霍（Paschal Donohoe）宣布了歐盟的意圖

The European Union is set to introduce strong regulations to increase transparency in cryptocurrency transactions, as stated by Eurogroup President and Ireland’s Finance Minister, Paschal Donohoe, at the European Anti-Financial Crime Summit 2025 in Dublin.

歐洲聯盟將提出強大的法規，以提高加密貨幣交易的透明度，如歐元組總統兼愛爾蘭財政部長帕斯卡爾·多諾霍（Paschal Donohoe）在都柏林2025年的歐洲反金融犯罪峰會上所說。

The proposed legislation, which is set to come into effect in July 2027, will require Crypto Asset Service Providers (CASPs) to collect and retain detailed information on both the sender and receiver of cryptocurrency transactions. This is in contrast to the minimal data currently collected by CASPs, which is starkly different from practices in traditional financial systems.

擬議的立法將於2027年7月生效，將要求加密資產服務提供商（CASP）收集和保留有關加密貨幣交易的發件人和接收者的詳細信息。這與CASP當前收集的最小數據相反，CASP與傳統金融系統的實踐截然不同。

Back in May 2023, the EU passed the Transfer of Funds Regulation, establishing the requirement for complete tracking of crypto asset transfers. This new regulation builds upon that framework.

早在2023年5月，歐盟就通過了基金法規的轉移，確定了對加密資產轉移的完整跟踪的要求。這項新規定基於該框架。

As such, starting on July 1, 2027, the EU will prohibit transactions involving anonymous wallets and privacy-focused cryptocurrencies such as Monero (XMR) and Zcash (ZEC). This is all part of the new Anti-Money Laundering Regulation (AMLR), aiming to eliminate avenues for illegal activities facilitated by untraceable digital assets.

因此，從2027年7月1日開始，歐盟將禁止涉及匿名錢包和以隱私為中心的加密貨幣（例如Monero（XMR）和Zcash（Zec））的交易。這是新的反洗錢法規（AMLR）的一部分，旨在消除無法追踪數字資產促進的非法活動的途徑。

This integration into the broader anti-money laundering (AML) framework covers bank and payment accounts, passbooks, safe deposit boxes, and more, expanding the scope of financial supervision.

將這種整合到更廣泛的反洗錢（AML）框架中，涵蓋了銀行和付款帳戶，通行證，保險箱存款框等，從而擴大了財務監督的範圍。

Furthermore, CASPs operating in six or more EU member states will be subject to direct AML supervision. In cases of non-compliance, authorities will be able to impose IP blocks on decentralized exchanges, ensuring EU-wide compliance with the new standards.

此外，在六個或更多的歐盟成員國中運營的CASP將受到直接監督。在不合規的情況下，當局將能夠對分散的交流施加IP塊，從而確保歐盟範圍內遵守新標準。

While the new regulations are intended to promote greater transparency in the cryptocurrency industry, some industry figures have expressed mixed reactions.

儘管新法規旨在促進加密貨幣行業的更高透明度，但一些行業人物表達了不同的反應。

Patrick Hansen, EU Strategy and Policy Director at Circle, pointed out that the AMLR is a comprehensive framework encompassing all financial institutions, not a measure exclusively targeting the cryptocurrency sector. A few months ago, he specifically highlighted that the regulations are designed to boost transparency and not intended to ban self-custodial wallets.

Circle的歐盟戰略和政策總監Patrick Hansen指出，AMLR是一個涵蓋所有金融機構的全面框架，而不是僅針對加密貨幣行業的措施。幾個月前，他特別強調，該法規旨在提高透明度，而不是旨在禁止自我監護錢包。

"The EU's AMLR regulations are a broader anti-money laundering initiative that also covers traditional financial institutions and aims to align anti-money laundering rules across the Union," said Hansen.

漢森說：“歐盟的AMLR法規是一項更廣泛的反洗錢倡議，還涵蓋了傳統的金融機構，旨在使整個聯盟的反貨幣洗錢規則保持一致。”

However, others like James Toledano, COO of Unity Wallet, expressed concerns that the new rules might clash with the foundational principles of decentralized finance (DeFi).

但是，像團結錢包的首席運營官詹姆斯·托萊達諾（James Toledano）這樣的其他人表示擔心，新規則可能與分散財務的基本原則（DEFI）相衝突。

"While the intent is praiseworthy, the execution might be flawed," said Toledano. "The regulation's scope is vast, encompassing various aspects of the crypto ecosystem and mandating the collection of personally identifiable information (PII) for every crypto transaction."

托萊達諾說：“雖然意圖值得稱讚，但處決可能存在缺陷。” “該法規的範圍很大，包括加密生態系統的各個方面，並要求每次加密交易收集個人身份信息（PII）。”

Despite the regulations, Toledano acknowledged that due to the global nature of cryptocurrencies, users could still find alternative channels to liquidate assets, potentially circumventing the restrictions.

儘管有規定，托萊達諾承認，由於加密貨幣的全球性質，用戶仍然可以找到清算資產的替代渠道，並有可能規避限制。

"It's also worth noting that crypto users could still utilize mixers to obfuscate transaction paths or move their funds to less-regulated jurisdictions, ultimately evading the regulation's intent."

“還值得注意的是，加密用戶仍然可以利用攪拌機混淆交易路徑或將其資金移至受監管的司法管轄區，最終逃避了該法規的意圖。”

All things considered, the implementation of these regulations is expected to have big implications for the cryptocurrency industry within the EU, maybe even influencing global standards for digital asset transactions.

考慮的所有因素，這些法規的實施預計將對歐盟內的加密貨幣行業產生重大影響，甚至可能影響數字資產交易的全球標準。

The information presented in this article is for informational and educational purposes only. The article does not constitute financial advice or advice of any kind. Coin Edition is not responsible for any losses incurred as a result of the utilization of content, products, or services mentioned. Readers are advised to exercise caution before taking any action related to the company.

本文提供的信息僅用於信息和教育目的。本文不構成任何形式的財務建議或建議。由於提到的內容，產品或服務的利用，Coin Edition對任何損失概不負責。建議讀者在採取與公司相關的任何行動之前謹慎行事。