FATF對Stablecoins在非法活動中的作用發出了警報，而美國參議院和公司正在駕駛監管。這是金融的野外嗎？

Stablecoins, Criminal Use, and the Task Force: A New York Perspective

Stablecoins，刑事用途和工作隊：紐約的觀點

Stablecoins are gaining traction, but so is their use in illicit activities. The FATF is pushing for stricter regulations, while the US tries to figure out how to deal with them. What's a New Yorker to think?

穩定的人正在吸引人，但它們在非法活動中的使用也是如此。 FATF正在推動更嚴格的法規，而美國試圖弄清楚如何處理它們。紐約人有什麼想法？

Stablecoins Under Scrutiny

在審查中穩定的co

The Financial Action Task Force (FATF) recently dropped a report that's got everyone talking. Apparently, a whole lot of illegal stuff happening in the crypto world is now tied to stablecoins. We're talking drug traffickers, North Korean hackers – the whole nine yards. And just when U.S. lawmakers and businesses are pushing for more stablecoin adoption? Classic.

金融行動工作組（FATF）最近放棄了一份報告，使每個人都在講話。顯然，在加密貨幣世界中發生的許多非法事情現在與穩定幣有關。我們正在談論販毒者，朝鮮黑客 - 整個九碼。就在美國立法者和企業正在推動採用更多的穩定幣嗎？經典的。

Since the FATF's last check-in in 2024, the use of stablecoins by these shady characters has gone up. Makes sense, right? Low transaction costs, less volatility – it's like a criminal's dream come true. But hey, at least the U.S. Senate is trying to do something about it with the “Genius Act,” aiming to regulate these tokens more tightly.

自FATF在2024年上一次登機手續以來，這些陰暗角色使用Stablecoins的使用已經上升。有道理，對嗎？交易成本低，波動性較小 - 就像犯罪分子的夢想成真。但是，嘿，至少美國參議院試圖通過“天才行為”對此做些事情，旨在更加嚴格地調節這些令牌。

The Risks of Illicit Use

非法使用的風險

The FATF report throws some serious shade on stablecoins, especially when they're chilling in “unhosted wallets” – basically, wallets outside the watchful eyes of financial institutions. This is where the real mischief happens, making it super easy for criminals to dodge detection. And guess what stablecoin is getting the most action? Tether's USDT, hanging out on the Tron ledger.

FATF的報告給Stablecoins帶來了一些嚴重的陰影，尤其是當它們在“未遺產的錢包”中放鬆時，基本上是金融機構的注意力之外的錢包。這是真正的惡作劇發生的地方，使罪犯非常容易躲避檢測。猜猜什麼是穩定的動作最多？繫繩的USDT，在Tron Ledger上閒逛。

We're talking about an estimated $51 billion in shady on-chain activity related to fraud and scams in 2024 alone! And Tether? Radio silence. Makes you wonder who's minding the store.

我們談論的是，僅2024年，與欺詐和騙局有關的估計有510億美元的陰暗鏈活動！和繫繩？無線電沉默。讓您想知道誰在想商店。

A Call for Enhanced Regulation

呼籲加強法規

Even though governments are trying to keep an eye on digital assets, the FATF says there are still massive holes in the system when it comes to stopping criminals and terrorists from misusing them. They're urging governments to step up their licensing and registration game for virtual asset companies. Plus, figuring out who's behind those decentralized blockchain apps? Still a major headache.

即使政府試圖關注數字資產，FATF表示，在阻止罪犯和恐怖分子濫用罪犯時，系統中仍然存在巨大的漏洞。他們敦促政府為虛擬資產公司加強其許可和註冊遊戲。另外，弄清楚誰在那些分散的區塊鏈應用程序背後？仍然是主要的頭痛。

My Two Cents

我的兩分錢

Look, stablecoins have potential, but we can't ignore the obvious risks. The FATF is right – we need better regulation, and we need it now. It's like building a skyscraper on a shaky foundation. Sure, it might look impressive, but it's only a matter of time before it all comes crashing down. Companies should be proactive, not reactive. Get ahead of the curve, work with regulators, and show the world you're serious about playing by the rules.

看，Stablecoin具有潛力，但我們不能忽略明顯的風險。 FATF是對的 - 我們需要更好的監管，現在我們需要它。這就像在搖搖欲墜的基礎上建造摩天大樓。當然，這看起來可能令人印象深刻，但這只是時間問題，這一切都崩潰了。公司應積極主動，而不是反應性。領先於曲線，與監管機構合作，並向世界展示您對按規則進行遊戲的認真。

However, there is the trend of de-dollarization. According to IMF data, The U.S. dollar's share of global foreign exchange reserves has declined from 70% in 2000 to 58% in 2024. In this regard, EUR-pegged stablecoins are emerging as a strategic asset class, positioned to capitalize on cross-border transaction growth and regulatory tailwinds.

但是，存在債務趨勢。根據國際貨幣基金組織的數據，美元在全球外匯儲備中的份額已從2000年的70％下降到2024年的58％。在這方面，歐洲近距離的Stablecoins正在成為一種戰略資產類別，定位為利用跨境交易增長和監管尾聲。

Final Thoughts

最後的想法

So, what's the takeaway? Stablecoins are here to stay, but they're not ready for prime time just yet. We need stricter rules, more transparency, and a whole lot more accountability. Otherwise, we're just setting ourselves up for a financial disaster. And nobody wants that, right? Stay safe out there, New York!

那麼，收穫是什麼？ Stablecoins在這裡留下來，但他們還沒有準備好黃金時段。我們需要更嚴格的規則，更多的透明度和更多的問責制。否則，我們只是為財務災難做好準備。沒有人想要那個，對嗎？紐約，在那裡保持安全！