如果特朗普的法案按照目前的身份通過，它將對影響超過4000萬人的匯款徵收5％的稅款。

美麗的法案'匯款稅可能會激發加密貨幣的複興

The U.S. President Donald Trump's "big, beautiful bill" aims to impose a 5% tax on remittances sent by non-U.S. citizens to their home countries. This measure, included in a broader bill focused on immigration and employment, has already sparked criticism from Mexico.

美國總統唐納德·特朗普（Donald Trump）的“大而美麗的法案”旨在對非美國公民派往其祖國的匯款徵收5％的稅。這項措施包括在一項針對移民和就業的更廣泛的法案中，已經引發了墨西哥的批評。

As reported by Reuters, the Trump administration is striving to gain congressional approval for its bill, which focuses on reducing legal immigration and employment to counter unemployment in the U.S.

正如路透社報導的那樣，特朗普政府正在努力獲得國會的批准，該法案的重點是減少法律移民和就業，以抵消美國的失業率

However, one provision of the bill, which aims to introduce a 5% tax on remittances sent by non-U.S. citizens to their home countries, has already faced criticism from Mexico.

但是，該法案的一項規定旨在對非美國公民發送給其本國的匯款徵收5％的稅，已經面臨墨西哥的批評。

The measure, which could affect over 40 million people in the U.S., including those on various visa programs who wire part of their income to support their families, has sparked reactions from countries like Mexico, a major beneficiary of these funds.

該措施可能影響美國超過4000萬人，包括各種簽證計劃的人，他們收入的一部分是為了養家糊口，這引發了這些資金的主要受益人等國家的反應。

"Remittances are the fruit of the efforts of those who, through their honest work, strengthen not only the Mexican economy but also the U.S. economy, which is why we consider this measure to be arbitrary and unjust," said Mexico's President Claudia Sheinbaum.

墨西哥總統克勞迪婭·辛巴姆（Claudia Sheinbaum）說：“匯款是那些通過誠實工作的人的努力成果，不僅加強了墨西哥經濟，而且加強了美國經濟的努力，這就是為什麼我們認為這項措施是任意和不公正的原因。”

According to Bank of Mexico figures, in 2024, remittances to Mexico will exceed $64 billion. The potential application of the tax could generate more than $3 billion if remittance volumes remain close to last year's levels.

根據墨西哥銀行的數據，到2024年，墨西哥匯款將超過640億美元。如果匯款仍然接近去年的水平，稅收的潛在申請可能會產生超過30億美元。

"Even if the bill is applied, these capital flows will find a way to reach their destination, evading this tax," said Manuel Orozco, director of the Migration, Remittances, and Development Program at the Inter-American Dialogue.

“即使提出了該法案，這些資本流量也將找到到達目的地，逃避這項稅收的方法，”美國國際對話的移民，匯款和發展計劃主任曼努埃爾·奧羅斯科（Manuel Orozco）說。

"Some senders would find ways to send money differently, through unauthorized options, such as cryptocurrency, to ensure the funds reach their destination while avoiding the proposed tax," added Orozco.

Orozco補充說：“有些發件人會通過未經授權的選項（例如加密貨幣）找到不同的方式來匯款的方法，以確保資金到達目的地，同時避免擬議的稅款。”

At the beginning of the year, The TIE Network, an association focused on promoting the use of blockchain technology, pointed out that crypto might be a viable alternative for these migrants to send money to their families in a more efficient and economical way.

在今年年初，TIE Network是一個致力於促進區塊鏈技術使用的協會，指出加密貨幣可能是這些移民以更有效和經濟的方式向家人匯款的可行替代方法。

"These workers, unable to transfer funds easily due to high bank fees, often resort to informal and risky methods to send money home."

“這些工人由於高銀行費用而無法輕易轉讓資金，經常訴諸非正式和風險的方法來匯款。”

However, if they used self-hosted wallets, they would be outside the scope of the bill, according to crypto advocacy center Coin Center, as these are not considered remittance-transfer providers, as there is no intermediary facilitating these tasks.

但是，根據加密宣傳中心硬幣中心的說法，如果他們使用自主錢包，他們將不在法案範圍之內，因為這些中心不被視為匯款轉移提供者，因為沒有中介機構促進這些任務。

"If someone wants to send cryptocurrency directly to another person's wallet, without using a third-party service provider, they would not be subject to the 5% tax."

“如果有人想直接將加密貨幣直接發送給他人的錢包，而無需使用第三方服務提供商，他們將不會受到5％的稅。”