歐盟計劃隱私令牌禁令 - 這對2027年加密貨幣意味著什麼 - 加密新聞閃光燈

從2027年開始，歐盟有望執行全面的反洗錢措施，這基本上將禁止以隱私為導向的加密貨幣和

The European Union is set to introduce sweeping anti-money laundering (AML) measures in 2027, which will essentially ban privacy-oriented cryptocurrency and anonymous crypto accounts as part of the forthcoming EU AMLR, the new EU financial transparency regime.

歐洲聯盟將在2027年引入全面的反洗錢（AML）措施，該措施本質上將禁止以隱私為導向的加密貨幣和匿名的加密貨幣作為即將到來的歐盟AMLR，即新的歐盟金融透明度製度的一部分。

Crypto: No Anonymous Accounts, Says AML Handbook

加密：沒有匿名帳戶，AML手冊說

According to the AML Handbook by the European Crypto Initiative (EUCI), Article 79 of the AMLR will place a strong ban on anonymous accounts.

根據《歐洲加密貨幣計劃》（EUCI）的AML手冊，AMLR第79條將對匿名帳戶進行強有力的禁令。

“Credit institutions, financial institutions, and crypto-asset service providers shall not maintain anonymous accounts, in any form, with any person or entity, or any arrangements enabling transactions to be made without the possibility of identifying the natural person or persons who carries out the transaction or for which the account is opened.”

“信貸機構，金融機構和加密資產服務提供商不得以任何形式，任何個人或實體，或任何安排，有可能在沒有可能識別進行交易的自然人或交易的人或為帳戶開放的情況下進行交易的任何安排，以任何形式或任何安排來維護匿名帳戶。”

This will also include any tools or platforms used to facilitate the anonymisation of transactions. Specifically, the legislation mentions “crypto-asset accounts allowing the anonymisation of transactions” and “accounts using anonymity-enhancing coins.”

這還將包括用於促進交易匿名的任何工具或平台。具體而言，該立法提到了“允許交易匿名的加密資產帳戶”和“使用匿名增強硬幣的帳戶”。

The broader legislation is part of a wider legislative trio comprising the Anti-Money Laundering Directive (AMLD), the Anti-Money Launderening Authority Regulation (AMLAR), and the Anti-Money Laundering Regulation (AMLR) as part of efforts to strengthen the EU’s financial surveillance capacity both in the traditional and digital environment, as we previously reported.

更廣泛的立法是包含反洗錢指令（AMLD），反洗錢機構法規（AMLAR）和反貨物洗滌法規（AMLR）的更廣泛立法三人的一部分，這是一部分，作為增強歐盟在傳統和數字環境中的財務監管能力的努力的一部分，如前所述。

Aspects Of Legislation Still Pending

立法的各個方面仍在等待

While the legislation has now been passed, the more granular details of implementation are still being defined by delegated and implementing acts and to a large extent through the supervision of the European Banking Authority.

儘管該立法已經通過，但通過歐洲銀行當局的監督，實施和實施行為以及在很大程度上實施的實施和實施的更精細的細節仍在定義。

“This means that the EUCI is still actively working on these level two acts by providing feedback to the public consultations, as some of the implementation details are yet to be finalized,” said Vyara Savova, senior policy lead at EUCI.

EUCI高級政策負責人Vyara Savova表示：“這意味著EUCI仍在通過向公眾諮詢提供反饋來積極地從事這些級別的第二級行為，因為某些實施細節尚未完成。”

However, she added that despite the pending specifics, the framework itself is now set, and centralized crypto platforms operating under the Markets in Crypto-Assets Regulation (MiCA) must begin adjusting their policies accordingly.

但是，她補充說，儘管有待處理的細節，但現在已經設定了框架本身，並且在Crypto-Assets監管（MICA）下運行的集中式加密平台必須開始相應地調整其政策。

“The broader framework is final, so centralized crypto projects (CASPs under MiCA) need to keep it in mind when determining their internal processes and policies. For instance, they need to adjust their internal policies to align with the new legislation.”

“更廣泛的框架是最終的，因此在確定其內部流程和政策時需要牢記集中的加密項目（CASP）需要牢記它。例如，他們需要調整其內部政策以與新立法保持一致。”

Beyond asset restrictions, the regulation will also increase scrutiny of crypto firms operating within the EU. CASPs that maintain operations in six or more member states will fall under direct oversight by the new Anti-Money Laundering Authority (AMLA).

除了資產限制之外，該法規還將增加對歐盟內部運營的加密公司的審查。維持六個或更多會員國行動的庫斯普斯將受到新的反洗錢局（AMLA）的直接監督。

A phased selection process will commence on July 1, 2027, with an initial focus on 40 firms—ensuring at least one per member state. Later phases will sweep in additional CASPs based on criteria like transaction volume and customer numbers.

分階段的選擇過程將於2027年7月1日開始，最初的重點是40家公司，每個會員國至少一個。後來的階段將根據交易量和客戶數量等標準掃入其他casps。

The AML Handbook notes that AMLA will apply “materiality thresholds” to identify which CASPs qualify for direct supervision. These include CASPs serving “a minimum of 20,000 customers residing in the host member state.”

AML手冊指出，AMLA將採用“物質性閾值”來確定哪個CASP有資格進行直接監督。其中包括為“至少有20,000名居住在接待成員國的客戶”的CASP。

Another criterion is concerning annual transactions. It stated that APLIC is to select at least one CASP per member state based on a “phased approach taking into account the volume of transactions. In practice, this will be a minimum of EUR 50 billion in total annual transactions.”

另一個標準是關於年度交易。它指出，APLIC是根據“考慮到交易量的“分階段”方法，每個會員國至少選擇一個CASP。實際上，這將是每年的年度交易至少500億歐元。”

Additionally, customer identity checks will become mandatory for all crypto transactions above €1,000. Moreover, institutions will be required to report suspicious transactions to AMLA.

此外，對於超過1,000歐元的所有加密交易，客戶身份檢查將成為強制性的。此外，將要求機構向Amla報告可疑交易。