法國、幣安和加密貨幣反洗錢：MiCA 時代的監管收緊

隨著 MiCA 截止日期的臨近，法國對加密貨幣反洗錢的打擊，尤其是對幣安的影響，標誌著嚴格監管的新時代的到來。了解這對行業意味著什麼。

France, Binance, and Crypto AML: A Regulatory Tightening in the MiCA Era

法國、幣安和加密貨幣反洗錢：MiCA 時代的監管收緊

France is stepping up its crypto regulation game, and Binance is in the spotlight. With the EU's Markets in Crypto-Assets (MiCA) regulation on the horizon, French regulators are scrutinizing crypto firms' anti-money laundering (AML) compliance, signaling a significant shift in the European crypto landscape.

法國正在加強加密貨幣監管，幣安成為眾人關注的焦點。隨著歐盟加密資產市場（MiCA）監管即將出台，法國監管機構正在審查加密貨幣公司的反洗錢（AML）合規情況，這標誌著歐洲加密貨幣格局的重大轉變。

The French Crypto AML Crackdown: What's Happening?

法國加密貨幣反洗錢打擊行動：發生了什麼？

The Autorité de Contrôle Prudentiel et de Résolution (ACPR), France's banking regulator, is conducting extensive AML inspections on registered crypto firms, including industry giants like Binance and Coinhouse. These inspections are crucial for firms aiming to secure a full EU-wide license under MiCA.

法國銀行監管機構 Autorité de Contrôle Prudentiel et de Résolution (ACPR) 正在對註冊加密貨幣公司進行廣泛的反洗錢檢查，其中包括幣安和 Coinhouse 等行業巨頭。這些檢查對於旨在根據 MiCA 獲得歐盟範圍內完整許可證的公司至關重要。

These aren't just routine check-ups. They're stress tests to see who's truly ready for the MiCA era. France, along with Italy and Austria, is pushing for stronger, centralized EU oversight of the crypto industry, urging the European Securities and Markets Authority (ESMA) to directly supervise major firms.

這些不僅僅是例行檢查。它們是壓力測試，旨在了解誰真正為 MiCA 時代做好了準備。法國、意大利和奧地利正在推動歐盟對加密貨幣行業進行更強有力、集中的監管，敦促歐洲證券和市場管理局（ESMA）直接監管主要公司。

Binance Under the Microscope

顯微鏡下的幣安

Binance, as the world's largest exchange, is a primary target of the ACPR's review. The regulator reportedly instructed Binance to beef up its internal risk management and compliance systems. A representative for Binance downplayed the situation, calling them “standard periodic onsite inspections”.

幣安作為全球最大的交易所，是ACPR審核的首要對象。據報導，監管機構指示幣安加強其內部風險管理和合規體系。幣安的一位代表淡化了這種情況，稱其為“標准定期現場檢查”。

MiCA: The EU's Crypto Passport

MiCA：歐盟的加密貨幣護照

The ACPR's inspections are directly linked to the MiCA licensing path. Crypto firms operating in France need to obtain the full MiCA license by June 2026 to continue serving the EU market. So far, only a handful of companies have received this approval, highlighting the high bar set by regulators.

ACPR 的檢查與 MiCA 許可路徑直接相關。在法國運營的加密貨幣公司需要在 2026 年 6 月之前獲得完整的 MiCA 許可證才能繼續服務歐盟市場。到目前為止，只有少數公司獲得了這一批准，凸顯了監管機構設定的高標準。

Missing the MiCA deadline could be a death sentence for many crypto firms in Europe. It's not just about paperwork; it's a passport to operate across 27 EU countries.

對於歐洲許多加密貨幣公司來說，錯過 MiCA 的最後期限可能會被判死刑。這不僅僅是文書工作；它是在 27 個歐盟國家運營的護照。

The Stakes: Access to the EU Market

利害關係：進入歐盟市場

Failing to meet the ACPR's AML standards carries significant consequences. Firms that don't fix any identified problems risk sanctions from French authorities. More importantly, a negative review could prevent a company from obtaining its MiCA license, effectively blocking access to the entire European Union market.

不符合 ACPR 的反洗錢標準會帶來嚴重後果。不解決任何已發現問題的公司可能會受到法國當局的製裁。更重要的是，負面審查可能會阻止公司獲得 MiCA 許可證，從而有效阻止其進入整個歐盟市場。

A Broader Trend: Regulatory Scrutiny Intensifies

更廣泛的趨勢：監管審查加強

France's actions reflect a broader trend of increasing regulatory scrutiny in the crypto space. The era of light-touch regulation is over, and crypto firms must adapt to survive. This regulatory wave mirrors the early days of banking regulation, with firms scrambling to tighten compliance and avoid fines.

法國的行動反映了加密貨幣領域加強監管審查的更廣泛趨勢。寬鬆監管的時代已經結束，加密貨幣公司必須適應才能生存。這一監管浪潮反映了銀行業監管的早期階段，企業紛紛加強合規性並避免罰款。

Personal Take

個人看法

While increased regulation may seem like a headache for crypto firms, it's ultimately a positive development for the industry. Clear rules and strong AML standards will foster greater trust and confidence in crypto, attracting more mainstream adoption. It might be painful in the short term, but it's a necessary step for long-term growth.

雖然加強監管對於加密貨幣公司來說似乎是一件令人頭疼的事情，但這最終對該行業來說是一個積極的發展。明確的規則和強大的反洗錢標準將增強人們對加密貨幣的信任和信心，吸引更多主流採用。短期內這可能會很痛苦，但這是長期增長的必要步驟。

For example, Notabene, a cryptocurrency AML specialist, has introduced Notabene Flow, a stablecoin payment platform designed for high-value business transactions. The platform relies on the Transaction Authorization Protocol, an open standard that functions rather like a Swift-style messaging layer. Notabene partnered with the Global Legal Entity Identifier Foundation (GLEIF), a way of achieving entity verification anchored to the internationally recognized LEI standard, giving every participant a reliable foundation of counterparty trust.

例如，加密貨幣反洗錢專家Notabene推出了Notabene Flow，這是一個專為高價值商業交易而設計的穩定幣支付平台。該平台依賴於交易授權協議，這是一種開放標準，其功能類似於 Swift 風格的消息傳遞層。 Notabene 與 Global Legal Entity Identifier Foundation (GLEIF) 合作，這是一種基於國際公認的 LEI 標準的實體驗證方式，為每個參與者提供了交易對手信任的可靠基礎。

Looking Ahead

展望未來

The next few years will be crucial for crypto firms operating in Europe. Those that embrace compliance and strengthen their AML systems will thrive, while those that don't will face significant challenges. France's scrutiny of Binance and other firms is a wake-up call for the industry, signaling a new era of regulation and compliance.

對於在歐洲運營的加密貨幣公司來說，未來幾年至關重要。那些擁抱合規並加強反洗錢系統的企業將會蓬勃發展，而那些不這樣做的企業將面臨重大挑戰。法國對幣安和其他公司的審查給該行業敲響了警鐘，標誌著監管和合規的新時代的到來。

So, buckle up, crypto enthusiasts! The road to MiCA compliance may be bumpy, but it's a journey worth taking. After all, who doesn't love a little regulatory drama?

所以，係好安全帶，加密貨幣愛好者！ MiCA 合規之路可能崎嶇不平，但這是一段值得走的旅程。畢竟，誰不喜歡一點監管戲劇呢？