区块链分析，风险管理和银行监管机构：监督的新时代

NYDFS对区块链分析的推动标志着一个转折点。银行现在必须采用加密货币，保护非法财务并适应不断发展的风险。

The world of blockchain is rapidly evolving, and with it, the need for robust risk management and regulatory oversight. Recent moves by the New York State Department of Financial Services (NYDFS) are setting a precedent, extending crypto compliance rules to traditional banks and highlighting the critical role of blockchain analytics.

区块链的世界正在迅速发展，随之而来的是，需要强大的风险管理和监管监督。纽约州金融服务部（NYDFS）最近采取的行动正在为传统银行扩大加密货币规则，并突出了区块链分析的关键作用。

NYDFS Extends Crypto Compliance to Traditional Banks

NYDFS将加密货币扩展到传统银行

In a significant move, the NYDFS, under the guidance of Superintendent Adrienne A. Harris, has directed banking organizations under its supervision to implement blockchain analytics tools. This directive, issued on September 17, extends requirements previously applied only to licensed virtual currency entities to traditional banking institutions operating in New York. This affects all state-chartered banks and branches of foreign banking organizations licensed in the state.

在一项重大行动中，NYDF在副校长Adrienne A. Harris的指导下，在其监督下指示银行组织实施区块链分析工具。该指令于9月17日发布，将先前仅适用于持牌虚拟货币实体的要求扩展到在纽约经营的传统银行机构。这会影响该州许可的外国银行组织的所有州议会银行和分支机构。

This isn't just about keeping up with the Joneses; it's about safeguarding the financial ecosystem. As Superintendent Harris stated, "As traditional banking institutions expand into virtual currency activities, their compliance functions must adapt, onboarding new tools and technologies to mitigate new and different risks."

这不仅仅是跟上琼斯；这是关于保护金融生态系统。正如哈里斯（Harris）校长所说：“随着传统银行机构扩展到虚拟货币活动，其合规性功能必须适应，登上新工具和技术，以减轻新的和不同的风险。”

Why Blockchain Analytics is Now Essential

为什么区块链分析现在至关重要

The NYDFS guidance builds on existing regulations established in April 2022, requiring licensed virtual currency firms to employ blockchain analytics to trace transactions and assess risk. With increasing bank exposure to digital assets, both through customer activity and bank-led initiatives, the regulator sees blockchain analytics as critical for several key functions:

NYDFS指南基于2022年4月制定的现有法规，要求获得许可的虚拟货币公司采用区块链分析来追踪交易并评估风险。随着通过客户活动和以银行为主导的计划进行的数字资产的增加，监管机构认为区块链分析对多种关键功能至关重要：

• Screening customer wallets to assess risk exposure
• Verifying the source of incoming funds from virtual asset service providers
• Monitoring exposure to money laundering, sanctions violations, or other criminal activities
• Identifying and evaluating risks from third-party virtual asset service provider counterparties
• Comparing expected versus actual customer activity in virtual currency transactions
• Weighing risks associated with new virtual currency products or services

New York: The Strictest Crypto Regulator in the US?

纽约：美国最严格的加密调节器？

New York is solidifying its position as one of the strictest cryptocurrency oversight regimes in the United States. Operating in tandem with its BitLicense framework, the state's regulatory team includes more than 60 personnel with expertise in anti-money laundering laws, fraud prevention, and blockchain technology. It’s so strict that even established players find it a challenge, emphasizing the seriousness with which New York approaches crypto regulation.

纽约正在巩固其作为美国最严格的加密货币监督制度之一的地位。该州的监管团队与其Bitlicense框架共同运营，其中包括60多名具有反洗钱法律，预防欺诈和区块链技术的专业知识的人员。这是如此严格，即使是成熟的球员也发现这是一个挑战，强调了纽约对加密监管的严重性。

Looking Ahead: DeFi Maturation and Smarter Risk Management

展望未来：Defi成熟和智能风险管理

Looking beyond regulation, events like CoinfestAsia 2025 highlight the maturation of Decentralized Finance (DeFi). Discussions are centering around smarter risk management, sustainable yield generation, credible governance models, and robust infrastructure.

超越监管，诸如Coinfestasia 2025之类的事件突出了分散财务的成熟（DEFI）。讨论围绕更智能的风险管理，可持续的产量产生，可靠的治理模型和强大的基础设施。

For crypto traders, this means exploring opportunities with enhanced risk tools, optimized liquidity pools, and community-driven governance. The emphasis on sustainability and credible governance could drive institutional inflows, creating more stable and reliable trading environments.

对于加密交易者来说，这意味着通过增强风险工具，优化的流动性池和社区驱动治理来探索机会。对可持续性和可靠治理的强调可能会推动机构流入，从而创造出更稳定和可靠的交易环境。

Final Thoughts: Embrace the Change

最终想法：拥抱变化

The message is clear: blockchain analytics is no longer optional; it’s a necessity. Banks and financial institutions must embrace these tools to navigate the evolving landscape of digital assets. As New York leads the way in regulatory oversight, other states and countries are likely to follow suit. So, buckle up and get ready for a future where blockchain analytics is as commonplace as a bagel on a Sunday morning in NYC. It's gonna be a wild ride, but hey, at least we'll be safe, compliant, and maybe even a little bit richer.

消息很明确：区块链分析不再是可选的。这是必需的。银行和金融机构必须采用这些工具来浏览数字资产不断发展的景观。随着纽约领导监管监督的道路，其他州和国家可能会效仿。因此，搭扣并为未来做好准备，在纽约市星期日早上，区块链分析与百吉饼一样司空见惯。这将是一个疯狂的旅程，但是，嘿，至少我们会安全，合规，甚至更富有。