德國金融情報部（FIU）認為與加密交易有關的可疑活動報告中有8％的躍升

Pymnts.com是一本行業雜誌，報導了“ 8％的增長”，而法律出版商貝克寫道，“比特幣或以太坊等數字貨幣”現在在“反貨幣清洗局，金融情報部門（FIU）的“主要角色”中起著“主要作用”。

A recent article in the German publication ‌WirtschaftsWoche discussed how reports of suspicious activity to the German Financial Intelligence Unit (FIU) are a minimal indicator of the role of cryptocurrencies in money laundering.

德國出版物的最新文章‌ wirtschaftswoche討論了對德國金融情報部門（FIU）可疑活動的報告是最小的指標，表明了加密貨幣在洗錢中的作用。

The article, titled "Minimal Role for Cryptocurrencies in Money Laundering," pointed out how headlines detach themselves from reality. Many sources have reported that money laundering involving cryptocurrencies is on the rise because the FIU, based at the customs authority, has received more suspicious activity reports related to crypto transactions than ever before.

這篇文章題為“加密貨幣中的最小角色在洗錢中”，指出了頭條新聞如何使自己脫離現實。許多消息來源報告說，涉及加密貨幣的洗錢正在上升，因為位於海關管理局的FIU收到的可疑活動報告比以往任何時候都更加可疑。

PYMNTS.com, an industry magazine, reported an "8 percent jump", while the legal publisher Beck writes that "digital currencies like Bitcoin or Ethereum" now play a "major role" in the "work of the anti-money laundering authority, the Financial Intelligence Unit (FIU)”, the article noted.

該行業雜誌Pymnts.com報導了“ 8％的增長”，而法律出版商貝克（Beck）寫道，“像比特幣或以太坊這樣的數字貨幣”現在在“反洗錢機構的工作，金融情報部門（FIU）的工作中起著“主要作用”，”。

Meanwhile, the FAZ headlines with "More Money Laundering With Bitcoin and Co."

同時，FAZ的頭條新聞“與比特幣和公司一起洗錢”。

The fact is: According to a statement from an FIU employee, suspicious activity reports related to crypto transactions increased by 8.2 percent last year to 8,711 cases. This means that 3.3 percent of the nearly 266,000 reports concern crypto transactions.

事實是：根據FIU員工的聲明，與加密交易有關的可疑活動報告去年增加了8.2％，達到8,711例。這意味著近266,000份報告中有3.3％涉及加密交易。

Calling this a "jump" or a "major role" seems rather exaggerated. It is also questionable whether the increase in suspicious reports indicates, as the FAZ claims, that there is actually more money laundering involving cryptocurrencies—or whether authorities are simply taking a closer look and therefore detecting more.

稱其為“跳躍”或“主要角色”似乎很誇張。正如FAZ聲稱的那樣，可疑報告的增加是否表明實際上涉及加密貨幣的洗錢，或者當局是否只是在仔細觀察並因此發現更多的情況下，這也是值得懷疑的。

If someone gets new glasses, it doesn't mean that new stars have appeared in the night sky. Similarly, if the financial intelligence unit is scanning the cryptocurrency sector more closely, it will naturally detect more suspicious activity.

如果有人拿到新眼鏡，這並不意味著新星出現在夜空中。同樣，如果金融情報部門更仔細地掃描加密貨幣部門，則自然會發現更多可疑活動。

Lawmakers and regulators are continually tightening reporting obligations for crypto service providers as well as banks when a connection to cryptocurrencies is detected. And if there are more scenarios in which the obligation to report applies, then—unsurprisingly—there are also more reports.

當檢測到與加密貨幣的聯繫時，立法者和監管機構正在不斷收緊加密服務提供商以及銀行的報告義務。而且，如果有更多的報告義務適用的義務，那麼（不可證實的是）也有更多報告。

In July 2024, the EU anti-money laundering package came into effect, which also holds crypto businesses responsible and precisely defines when suspicious activity reports are to be filed; in January 2025, the ToFR (Transfer of Funds Regulation) will take effect, introducing the travel rule along with even stricter reporting requirements.

2024年7月，歐盟反洗錢計劃生效，這也使加密貨幣業務負責，並精確地定義了何時提交可疑活動報告； 2025年1月，TOFR（資金轉讓法規）將生效，引入旅行規則以及更嚴格的報告要求。

Banks, financial service providers, and crypto service providers likely started in 2024 to anticipate the new rules: they are implementing stricter controls, mainly through service providers that scan the blockchain for suspicious transactions, establishing processes to submit reports, and so on.

銀行，金融服務提供商和加密服務提供商可能始於2024年，以預測新規則：他們正在實施更嚴格的控制措施，主要是通過掃描區塊鏈的可疑交易，建立報告的流程等的服務提供商，等等。

That the number of reports under these circumstances has increased by a moderate eight percent does not mean much. In no way does it serve as proof that there has been an increase in crypto-related money laundering; with a bit of imagination, one could also interpret the data to suggest that such laundering has actually decreased.

在這種情況下的報告數量增加了8％，並不意味著太多。它絕不可以證明與加密相關的洗錢有所增加。有了一些想像力，人們還可以解釋數據，以表明這種洗錢實際上已經減少。

Nevertheless, it is conceivable that the volume of money laundering involving cryptocurrencies increased in the past year. After all, 2024 was a hype year, during which prices not only rose steadily but also made headlines by reaching a new all-time high.

然而，可以想像的是，涉及加密貨幣的洗錢數量在過去一年中有所增加。畢竟，2024年是炒作一年，在此期間，價格不僅穩步上漲，而且通過達到新的歷史最高水平，成為頭條新聞。

Promises to multiply your cryptocurrencies or to buy the "next Bitcoin" with shitcoin XYZ tend to resonate more effectively during such market phases. There are also reports that certain types of online fraud exploit cryptocurrencies more frequently and generate higher revenues year after year.

承諾將您的加密貨幣乘以或用Shitcoin XYZ購買“下一個比特幣”，在此類市場階段傾向於更有效地產生共鳴。還有報導稱，某些類型的在線欺詐利用加密貨幣會更頻繁地產生更高的收入。

Therefore, it is conceivable that more money is being laundered through cryptocurrencies—but suspicious activity reports to the FIU are (currently) not a suitable indicator for this, nor do they show anything more than a minimal role for cryptocurrencies in money laundering.

因此，可以想像，通過加密貨幣將更多的錢洗錢了，但是對FIU的可疑活動報告（目前）並不適合這一點，也不是他們在洗錢中的加密貨幣的最小作用外，也沒有什麼比最小的。