RIP 非託管錢包規則

2020 年 FinCEN 無託管錢包提案可以說已經擱置多年，但現在已正式發布。

The Treasury Department has officially withdrawn a 2020 proposal that would have imposed know-your-customer requirements on unhosted wallets, effectively putting the matter to rest.

美國財政部已正式撤回一項 2020 年提案，該提案將對非託管錢包施加「了解您的客戶」要求，從而有效地解決了這個問題。

The proposal, put forth by the Financial Crimes Enforcement Network (FinCEN), a bureau of the Treasury Department, was met with widespread backlash from the crypto industry and lawmakers. The rule would have required anyone maintaining their own crypto wallet to collect and report the personal information of the senders and receivers of transactions.

該提案由美國財政部下屬機構金融犯罪執法網絡（FinCEN）提出，遭到了加密貨幣產業和立法者的廣泛反對。該規則要求任何維護自己的加密錢包的人收集和報告交易發送者和接收者的個人資訊。

The industry argued that the proposal was technically impossible to comply with for most wallets, given they aren’t companies or entities and don’t normally record that type of personal data. At the time, the proposal drew a huge amount of backlash. Lawmakers (including from the then-president’s own party), company leaders and lobbyist groups all pushed back against the proposal.

該行業認為，從技術上來說，大多數錢包都無法遵守該提案，因為它們不是公司或實體，通常不會記錄此類個人資料。當時，這項提議引起了強烈反對。立法者（包括當時總統所在政黨的議員）、公司領導人和遊說團體都反對這項提議。

The rule kind of popped its head up here and there, but was never seriously considered again. Finally on Aug. 19, 2024, the entire proposal was officially withdrawn.

這條規則時不時地突然出現，但再也沒有被認真考慮過。最終於2024年8月19日，整個提案被正式撤回。

Another proposal from FinCEN – also from the tail end of 2020 – remains alive. This proposal would implement the Travel Rule, a Financial Action Task Force regime that looks to take on money laundering via crypto by having financial institutions report personal information for the senders and receivers of transactions over a certain limit.

FinCEN 的另一項提案（同樣是在 2020 年底）仍然有效。該提案將實施旅行規則，這是一個金融行動特別工作組制度，旨在透過讓金融機構報告超過一定限額的交易發送者和接收者的個人資訊來透過加密貨幣進行洗錢。

The original 2020 proposal set the limit at $250, well below the $3,000 threshold currently set for similar financial reporting, but this week’s notice did not mention any adjustment to the threshold.

2020 年最初的提案將限額設定為 250 美元，遠低於目前為類似財務報告設定的 3,000 美元門檻，但本週的通知並未提及對門檻的任何調整。