歐洲聯盟非法偽匿名的加密貨幣帳戶和硬幣

從2027年開始，歐盟計劃取締化名加密貨幣帳戶並保護機密硬幣。

Beginning in 2027, the European Union plans to ban pseudonym cryptocurrency accounts and the safeguarding of confidentiality coins. The measures are part of the new Anti Money Laundering Regulation (AMLR) and are said to be increasing oversight in the crypto sector.

從2027年開始，歐盟計劃禁止化名加密貨幣帳戶和保護機密硬幣。這些措施是新的反洗錢法規（AMLR）的一部分，據說在加密貨幣部門的監督增加。

Financial institutions, credit institutions, and crypto asset service providers (CASPs) will be banned from managing anonymous accounts and supporting privacy-focused cryptocurrencies such as Monero and Zcash. The move is focused on making digital transactions more transparent to help in the fight against financial crime.

金融機構，信貸機構和加密資產服務提供商（CASP）將被禁止管理匿名帳戶並支持以隱私為重點的加密貨幣，例如Monero和Zcash。此舉的重點是使數字交易更加透明，以幫助打擊金融犯罪。

In response to these changes, the European Crypto Initiative (EUCI) has released a comprehensive guide “The AML Handbook” to help cryptocurrency businesses navigate the new rules. It details what CASPs need to do to ensure AMLR compliance; how it impacts EU-based CASPs.

為了應對這些變化，歐洲加密計劃（EUCI）發布了一份綜合指南“ AML手冊”，以幫助加密貨幣業務瀏覽新規則。它詳細介紹了CASP需要做什麼以確保AMLR合規性；它如何影響基於歐盟的桶。

Crypto Anonymity Is Targeted in New AML Rules

加密匿名是針對新AML規則的目標

The AMLR contains a far-reaching framework that outlaws tools and accounts used to obscure transaction details. This includes crypto accounts that enable anonymized transactions and coins designed with privacy enhancement in mind. The regulation covers not only cryptocurrencies but also includes anonymous bank accounts, payment systems, and safe deposit boxes.

AMLR包含一個深遠的框架，該框架是禁止用於模糊交易細節的工具和帳戶。這包括加密帳戶，這些帳戶可以牢記匿名交易和硬幣，並考慮到隱私的增強。該法規不僅涵蓋了加密貨幣，還包括匿名銀行帳戶，付款系統和保險箱。

According to the EUCI handbook, AMLA will directly supervise those operating in at least six member states of the EU. It aligns well with global initiatives that combat funding for terrorist organizations and illicit financial transactions. The bloc aimed to close loopholes that illicit activities could exploit through privacy-focused tools.

根據EUCI手冊，AMLA將直接監督在歐盟至少六個成員國運營的人。它與為恐怖組織和非法金融交易打擊資金的全球舉措非常吻合。該集團旨在彌合非法活動可以通過以隱私為中心的工具來利用的漏洞。

Crypto Businesses Face Challenges in Compliance

加密企業在合規性方面面臨挑戰

Crypto businesses have a lot of work to do in order to meet the AMLR’s extensive requirements. The regulation extends existing AML obligations to CASPs, a term in the Markets in Crypto-Assets (MiCA) framework. However, this means that companies must implement robust measures to verify their customers' identities and monitor transactions.

加密企業為滿足AMLR的廣泛要求有很多工作要做。該法規將現有的AML義務擴展到CASP，這是加密資產（MICA）框架市場中的一個術語。但是，這意味著公司必須採取強大的措施來驗證客戶的身份並監視交易。

Failure to comply would be an expensive exercise with substantial financial penalties, seeing businesses focus on regulatory compliance. The handbook provides a complete reference point, bringing together AML rules applicable to the crypto industry, and does not include the Transfer of Funds Regulation (TFR), which is covered by EUCI separately.

不遵守將是一項昂貴的練習，並遭受重大的經濟罰款，看到企業專注於監管合規性。該手冊提供了一個完整的參考點，將適用於加密行業的AML規則匯總在一起，並且不包括由EUCI分別涵蓋的資金法規（TFR）的轉讓。

The focus on CASPs by the EU is a response to the increasing role of cryptocurrencies in the financial ecosystem. The bloc is enforcing these rules to balance innovation with security, with the crypto sector having to play by the same rules as the rest of the financial world.

歐盟對CASP的關注是對加密貨幣在金融生態系統中不斷增長的作用的回應。該集團正在執行這些規則，以平衡創新與安全性，而加密貨幣部門必須按照與其他金融世界相同的規則發揮作用。