匯款稅可能會刺激加密貨幣復興

儘管Crypto的匯款用例未能獲得吸引力，但這可能會改變。唐納德·特朗普總統被稱為“大而美麗的法案”的共和黨優先法案提議向非美國公民派遣給其祖國的匯款徵收5％的稅。

If Trump’s bill is passed as it stands, it would introduce a 5% tax on remittances, affecting over 40 million people and potentially generating over $3 billion in revenue.

如果特朗普的法案按照目前的成績通過，它將對匯款徵收5％的稅，影響超過4000萬人，並可能產生超過30億美元的收入。

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As reported by the Financial Times, the Republican priority bill, referred to by President Donald Trump as the “big, beautiful bill,” proposes introducing a 5% tax on remittances sent by non-U.S. citizens to their home countries. This measure, which has already faced rejection from countries like Mexico, would affect an estimated 40 million people in the U.S.

據《金融時報》報導，《共和黨優先法案》被唐納德·特朗普總統稱為“大而美麗的法案”，提議對非美國公民送往其祖國的匯款提出5％的稅。這項措施已經面臨墨西哥等國家的拒絕，將影響美國估計有4000萬人

The bill's aim is to generate revenue by taxing the vast sums of money that migrants send home each year. For instance, in 2023, remittances to Mexico alone amounted to over $60 billion, according to Bank of Mexico figures.

該法案的目的是通過對每年移民寄來的大量資金徵稅來產生收入。例如，根據墨西哥銀行的數據，在2023年，僅向墨西哥匯款就達到了600億美元。

However, even if the bill is applied, analysts believe these capital flows will find a way to reach their destination, evading this tax.

但是，即使採用了該法案，分析師也認為這些資本流程將找到到達目的地的方法，從而逃避此稅。

“Some senders would find ways to send money differently, through unauthorized channels, to avoid the tax. It would fall disproportionately on lower-income senders who use more expensive services to transfer smaller sums of money,” said Manuel Orozco, director of the Migration, Remittances, and Development Program at the Inter-American Dialogue.

“有些發件人會通過未經授權的渠道找到不同的方式來避免稅收的方式。它將不成比例地落在低收入的發件人身上，這些發件人使用更昂貴的服務來轉移較小的錢，”遷移，匯款和開發計劃的主管Manuel Orozco在美國互及美食對話中的發展計劃。

This new use case for crypto could see a resurgence if Trump’s bill is passed, with migrants opting for self-hosted wallets or decentralized finance (DeFi) protocols to transfer their funds.

如果通過特朗普的法案，該新的Crypto新用例可能會恢復，而移民選擇自託管錢包或分散融資（DEFI）協議來轉讓其資金。

“[Those] self-hosted wallets are not covered by the bill because they are not remittance transfer providers, nor do they provide financial services, at least not according to the legislation’s definitions. That means that self-hosted crypto wallets would fall outside the scope of the bill,” noted Coin Center.

“法案不是因為它們不是匯款轉讓提供商，也沒有提供金融服務，至少不是根據立法的定義不提供金融服務。這意味著自託管的加密錢包將屬於法案範圍，”

The crypto advocacy center added that the bill’s definition of remittance transfer providers includes "any person who, for fee or commission, engages in the transfer of funds or the payment of an underlying obligation, in an amount of $10,000 or less."

加密宣傳中心補充說，該法案對匯款轉讓提供商的定義包括“任何人，以收費或佣金進行資金轉讓或支付基本義務，均為10,000美元或更少。”

Despite the potential for crypto use, the report highlighted that most of the volume in the remittance market is processed by a small number of large financial institutions. These institutions would be directly impacted by the tax, which could ultimately lead to higher fees for consumers.

儘管有加密使用的潛力，但該報告強調，匯款市場中的大部分數量都由少數大型金融機構處理。這些機構將直接受到稅收的影響，這最終可能會給消費者帶來更高的費用。

This new use case for crypto could see a resurgence if Trump’s bill is passed, with migrants opting for self-hosted wallets or decentralized finance (DeFi) protocols to transfer their funds.

如果通過特朗普的法案，該新的Crypto新用例可能會恢復，而移民選擇自託管錢包或分散融資（DEFI）協議來轉讓其資金。

“[Those] self-hosted wallets are not covered by the bill because they are not remittance transfer providers, nor do they provide financial services, at least not according to the legislation’s definitions. That means that self-hosted crypto wallets would fall outside the scope of the bill,” noted Coin Center.

“法案不是因為它們不是匯款轉讓提供商，也沒有提供金融服務，至少不是根據立法的定義不提供金融服務。這意味著自託管的加密錢包將屬於法案範圍，”

The crypto advocacy center added that the bill’s definition of remittance transfer providers includes "any person who, for fee or commission, engages in the transfer of funds or the payment of an underlying obligation, in an amount of $10,000 or less."

加密宣傳中心補充說，該法案對匯款轉讓提供商的定義包括“任何人，以收費或佣金進行資金轉讓或支付基本義務，均為10,000美元或更少。”

Despite the potential for crypto use, the report highlighted that most of the volume in the remittance market is processed by a small number of large financial institutions. These institutions would be directly impacted by the tax, which could ultimately lead to higher fees for consumers.

儘管有加密使用的潛力，但該報告強調，匯款市場中的大部分數量都由少數大型金融機構處理。這些機構將直接受到稅收的影響，這最終可能會給消費者帶來更高的費用。