。隱私硬幣和匿名加密錢包可能很快就會成為歐盟的歷史。

作為徹底大修以加強反洗錢規則的一部分，歐盟宣布了計劃在2027年7月1日之前禁止。

The European Union is setting the stage for a future where privacy coins like Monero and anonymous crypto wallets will be a thing of the past. As part of a broader move to adjust anti-money laundering rules, the EU plans to ban both by July 1, 2027.

歐洲聯盟正在為未來的舞台奠定基礎，其中隱私硬幣和匿名加密錢包將成為過去。作為調整反洗錢規則的更廣泛舉措的一部分，歐盟計劃在2027年7月1日之前禁止兩者。

The message is simple: crypto can stay, but it will play by the same rules as the rest of the financial system.

消息很簡單：加密可以保留，但是它將按照與其他金融系統相同的規則來播放。

This isn’t the first time rumors of a privacy coins EU ban have swirled. But these plans are now part of the updated Anti-Money Laundering Regulation, known as AMLR, which has implications for decentralized finance and the broader crypto landscape.

這不是歐盟禁令的第一次謠言。但是這些計劃現在已成為更新的反洗錢法規的一部分，即AMLR，該法規對分散的金融和更廣泛的加密貨幣有影響。

What the Ban on Anonymous Crypto Accounts Encompasses

禁止匿名加密​​帳戶包含的內容

The proposal isn’t about a light tap on the wrist. It would completely eliminate anonymous crypto accounts throughout the EU. This would prevent crypto service providers, exchanges, and even financial institutions from offering services without collecting customer identification.

該提案與手腕上無關。它將完全消除整個歐盟的匿名加密帳戶。這將防止加密服務提供商，交流甚至金融機構在不收集客戶身份的情況下提供服務。

If you’re a fan of privacy-focused cryptocurrencies like Monero (XMR), Zcash (ZEC), or Dash, get ready for a reality check. The EU is specifically targeting these coins, stating that they make it too easy to conceal transactions and move illicit money undetected.

如果您是Monero（XMR），Zcash（ZEC）或DASH等以隱私為重點的加密貨幣的粉絲，請準備好進行現實檢查。歐盟專門針對這些硬幣，表明它們太容易掩蓋了交易，並將未被發現的非法資金移動。

Additionally, the regulation enforces stricter measures on crypto transfers. For any transaction exceeding 1,000 euros, the identity of both the sender and receiver will need to be verified, aligning crypto rules more closely with traditional banking.

此外，該調節對加密轉移進行了更嚴格的措施。對於超過1,000歐元的任何交易，都需要驗證發件人和接收器的身份，將加密貨幣規則與傳統銀行業務更加緊密。

Which Body Will Be Monitoring the New Rules?

哪個機構將監視新規則？

To ensure that the new rules aren’t just written in a vacuum, the EU is establishing a new agency called the Anti-Money Laundering Authority, or AMLA. This body will directly supervise up to 40 crypto asset service providers, spanning at least six EU countries.

為了確保新規則不僅用真空編寫，歐盟正在建立一個名為反洗錢機構或AMLA的新機構。該機構將直接監督多達40個加密資產服務提供商，其中至少有6個歐盟國家。

These companies must have either over 20,000 users or handle more than 50 million euros in annual transactions to fall under AMLA’s radar.

這些公司必須擁有20,000多名用戶，或者在年度交易中處理超過5000萬歐元，以屬於Amla的雷達。

The aim is to prevent a patchwork of regulations among member states and deter shady actors from shifting operations across borders to find the weakest oversight.

目的是防止成員國之間的法規拼湊而成，並阻止陰暗的行為者轉移跨境的行動，以找到最弱的監督。

A Closer Look at the Implications

仔細觀察含義

Many have voiced criticism of the move, arguing that banning privacy coins and anonymous wallets is an overly harsh approach. It could hinder innovation and erode personal privacy, as these tools are also utilized by activists, journalists, and individuals to maintain financial privacy in an increasingly digital age.

許多人對此舉表達了批評，認為禁止隱私硬幣和匿名錢包是一種過於嚴厲的方法。它可能會阻礙創新並侵蝕個人隱私，因為這些工具也被激進主義者，記者和個人使用，以在日益數字時代維持財務隱私。

However, regulators maintain that this step is crucial to deter criminals from exploiting crypto for money laundering activities. Moreover, with global pressure mounting to integrate crypto into the existing financial regulations, the EU is positioning itself as a leader in enforcement.

但是，監管機構堅持認為，這一步驟對於阻止犯罪分子剝削加密貨幣活動至關重要。此外，隨著全球壓力越來越多地將加密貨幣整合到現有的金融法規中，歐盟將自己定位為執法領導者。

What Does This Mean for the Future of Privacy Coins in the UK?

這對英國隱私硬幣的未來意味著什麼？

The EU’s 2027 deadline will necessitate significant adjustments in how crypto operates within its borders. Service providers will need to develop robust “know your customer” systems and readjust their approach to privacy tools.

歐盟的2027年截止日期將需要對加密貨幣在其邊界內運行的方式進行重大調整。服務提供商將需要開發強大的“了解您的客戶”系統並重新調整其隱私工具的方法。

While it remains to be seen whether other regions will follow suit, one thing is clear: Europe is drawing the curtain on the days of anonymous crypto.

雖然其他地區是否會效仿還有待觀察，但很明顯：歐洲在匿名加密時代繪製窗簾。