只要有严格的官僚主义监督，阿联酋就会欢迎采用加密货币

阿联酋区块链战略2021通过计划将一半的政府交易转移到区块链技术中，从而确定了一个巨大的目标。

Crypto adoption in the United Arab Emirates (UAE) is welcomed as long as there is strict bureaucratic oversight. But this framework is different from one jurisdiction to another from Dubai, Abu Dhabi or the Mainland of UAE. This flexible approach has attracted other major exchanges and blockchain businesses.

只要有严格的官僚主义监督，在阿拉伯联合酋长国（阿联酋）采用加密货币。但是，该框架与来自迪拜，阿布扎比或阿联酋大陆的另一个司法管辖区与另一个司法管辖区不同。这种灵活的方法吸引了其他主要交易所和区块链业务。

Together, these factors have made the UAE a crypto hub. All businesses and investors should grasp how these rules change between different geographic regions since they also differ in their compliance standards and tax structures along with their licensing requirements. SCA represents the premier regulatory body while VARA (Virtual Assets Regulatory Authority) administers in Dubai alongside Dubai Financial Services Authority (DFSA) which operates within Dubai International Financial Centre (DIFC) and Financial Services Regulatory Authority (FSRA) works in Abu Dhabi Global Market (ADGM).

这些因素在一起使阿联酋成为加密枢纽。所有企业和投资者都应掌握这些规则在不同地理区域之间如何改变，因为它们在合规标准和税收结构以及许可要求上也有所不同。 SCA代表了最重要的监管机构，而VARA（虚拟资产监管机构）在迪拜以及迪拜金融服务管理局（DFSA）以及在迪拜国际金融中心（DIFC）和金融服务监管局（FSRA）在Abu Dhabi Global Market（ADGM）中运营的迪拜金融服务管理局（DFSA）。

>Examining the Historical Context of Crypto in the UAE

>检查阿联酋加密货币的历史背景

There was little outright ban of cryptocurrency in the UAE and the country took a cautious stance. Over time, its position evolved.

阿联酋几乎没有完全禁止加密货币，该国采取了谨慎的立场。随着时间的流逝，其位置不断发展。

The Emirates Blockchain Strategy 2021 had a big target by planning to move half of government transactions to blockchain technology. VARA started operations in 2022 when Dubai Law No. 4 created it as the first virtual asset regulator in the Middle East. Following their initial stand, the UAE leaders adopted clear rules, which resulted in people starting to use cryptocurrencies more.

2021年阿联酋区块链战略实现了一个巨大的目标，即计划将一半的政府交易转移到区块链技术上。瓦拉（Vara）于2022年开始运营，当时迪拜第四号法律将其创建为中东第一个虚拟资产调节器。在最初的立场之后，阿联酋领导人采用了明确的规则，这导致人们开始使用加密货币。

Examining the Regulatory Framework in Detail

详细检查监管框架

Economic activity in the UAE is regulated based on jurisdiction:

阿联酋的经济活动受管辖权的监管：

* Mainland UAE (Securities and Commodities Authority – SCA): Recognizes crypto as electronic records of value. One also requires licensing for exchanges and wallet services. AML rules are strict.

*阿联酋大陆（证券和商品管理局 - SCA）：将加密货币视为价值的电子记录。一个人还需要交换和钱包服务的许可。 AML规则是严格的。

* Dubai (Virtual Assets Regulatory Authority – VARA): Regulates VASPs. The largest amounts of licensing fees range between AED 40,000 to AED 100,000. Specifies activities such as custody, exchange and brokering.

*迪拜（虚拟资产监管机构 - VARA）：调节VASP。许可费的最多范围在40,000迪拉克至100,000迪拉克之间。指定诸如监护，交换和经纪等活动。

* Dubai International Financial Centre (Dubai Financial Services Authority – DFSA): allows investing of institutional money in approved tokens, such as Bitcoin, Ethereum, XRP, Toncoin.

*迪拜国际金融中心（迪拜金融服务局 - DFSA）：允许在批准的代币中投资机构资金，例如比特币，以太坊，XRP，Toncoin。

The licenses have fees ranging from $2,000 to $70,000.

许可证的费用从2,000美元到70,000美元不等。

* Abu Dhabi Global Market (Financial Services Regulatory Authority – FSRA): Provides licenses to qualified firms. Tokens are categorized by their function and, as such, AML compliance is mandatory.

*阿布扎比全球市场（金融服务监管机构 - FSRA）：向合格公司提供许可证。令牌按其功能进行分类，因此，AML合规性是必须的。

AML/KYC rules are applicable in all of the zones. To deal with the Travel Rule by the Financial Action Task Force (FATF), businesses must appoint experienced Money Laundering Reporting Officers (MLROs), keep records for 8 years, and follow the rule for transactions above AED 3,500.

AML/KYC规则适用于所有区域。为了处理金融行动工作组（FATF）的旅行规则，企业必须任命经验丰富的洗钱报告官员（MLRO），保留记录8年，并遵循以上3500迪拉士的交易规则。

Crypto earnings are not taxed by capital gains or income tax in Dubai. It is the SCA who regulates ICOs as securities. Also, STOs have to undergo a series of strict disclosure requirements.

加密货币收入不受迪拜的资本利得或所得税征税。是SCA将ICO作为证券进行监管。此外，STOS必须经历一系列严格的披露要求。

Discussing Key Crypto Policies in the UAE

讨论阿联酋的关键加密政策

The UAE actually pushes crypto use for both personal or business use, especially in Dubai and its financial free zones. Binance, Bybit, OKX and Kraken are major exchanges that work legally.

阿联酋实际上将加密货币用于个人或商业用途，尤其是在迪拜及其无财务区域。 Binance，Bybit，Okx和Kraken是合法运作的主要交流。

However, crypto mining is not explicitly outlawed (since there are no dedicated laws on crypto mining) and it is mostly carried out within free zones. While the government doesn’t promote it heavily, there aren’t any bans.

但是，加密开采并未明确取缔（因为没有关于加密矿山开采的专门法律），并且大部分是在自由区域内进行的。尽管政府没有大力推广它，但没有任何禁令。

UAE officially joined the mBridge initiative in January 2024 and made its first cross-border CBDC transaction by moving AED 50 million with China, Hong Kong and Thailand.

阿联酋于2024年1月正式加入了姆布里奇倡议，并通过与中国，香港和泰国搬迁5000万迪拉姆进行了跨境CBDC交易。

Failing to adhere to the regulations may lead to fines, temporary closure or loss of a license.

不遵守法规可能会导致罚款，临时关闭或丢失许可证。

Sandboxes for blockchain business, such as Dubai International Financial Centre (DIFC), Abu Dhabi Global Market (ADGM), and Ras Al Khaimah Digital Assets Oasis (RAK Digital Assets Oasis) serve to foster innovation in UAE.

迪拜国际金融中心（DIFC），阿布扎比全球市场（ADGM）和Ras Al Khaimah数字资产OASIS OASIS（RAK Digital Assets OASIS）等区块链业务的沙盒可在阿联酋促进创新。

In the retail and tourism sectors, especially in Dubai, crypto is slowly making way. From making digital payments at business, to the growth of Web3 firms worldwide.

在零售和旅游部门，尤其是在迪拜，加密货币正在慢慢上路。从在业务上进行数字付款，到全球Web3公司的增长。

The government has initiatives that support blockchain development, like the Emirates Blockchain Strategy or partnerships like that with the HBAR Foundation.

政府采取了支持区块链开发的举措，例如阿联酋区块链战略或与HBAR基金会这样的伙伴关系。

Notable Challenges and Issues

显着的挑战和问题

An ongoing challenge is inconsistency in regulations between emirates. Some other areas don’t have a high degree of clarity, while ADGM and DIFC have more mature sets of rules.

持续的挑战是阿联酋之间的法规不一致。其他一些领域没有高度的清晰度，而ADGM和DIFC具有更多成熟的规则。

AML and KYC compliance is still difficult owing to decentralized platforms and anonymous transactions.

由于分散的平台和匿名交易，AML和KYC合规性仍然很困难。

Existing crypto perceptions among the public are generally positive. Trust is above all strengthened by government support, but traditional institutions are cautious.

公众中现有的加密看法通常是积极的。首先，政府支持加强了信任，但传统机构谨慎。

Future Outlook and Key Regulatory Trends

未来的前景和关键监管趋势

In 2023, Cabinet Resolution No. (111) was issued to implement consistent licensing standards of VASPs in the UAE.

2023年，发出了内阁决议（111），以实施阿联酋中VASP的一致许可标准。

Additionally, the same year tokens like Ton

此外，同年像Ton这样的代币