美国加密货币提供商在监管打压中处于边缘

在最近针对美国加密钱包提供商的监管行动中，Acinq 和 zkSNACKs 已停止为美国客户提供服务。 Acinq 的 Phoenix Wallet 和 zkSNACKs 的 Wasabi Wallet 出于对将自我托管钱包归类为货币服务业务的担忧而停止了对美国用户的运营，并为钱包调整设置了不同的截止日期。

United States Crypto Service Providers on Edge Following Regulatory Crackdown

美国加密货币服务提供商在监管打压后处于边缘

In the wake of heightened regulatory scrutiny in the United States, several major cryptocurrency service providers have expressed concerns and taken steps to protect their businesses and customers. The actions come after the recent enforcement actions against Consensys, the developer of the popular MetaMask wallet, and Samourai Wallet, a cryptocurrency mixer.

在美国加强监管审查后，几家主要的加密货币服务提供商表达了担忧，并采取措施保护其业务和客户。这些行动是在最近针对流行的 MetaMask 钱包的开发商 Consensys 和加密货币混合器 Samourai Wallet 采取的执法行动之后发生的。

Acinq and zkSNACKs Withdraw Services from US

Acinq 和 zkSNACKs 从美国撤回服务

Acinq, the developer of the Phoenix Wallet, and zkSNACKs, the creator of the Wasabi Wallet, have both discontinued their services for users based in the United States. Acinq has set a deadline of May 2nd for Phoenix Wallet users to adjust to the changes, while zkSNACKs implemented its new policy "effective immediately."

Phoenix 钱包的开发商 Acinq 和 Wasabi 钱包的创建者 zkSNACKs 均已停止为美国用户提供服务。 Acinq 为 Phoenix 钱包用户设定了 5 月 2 日的最后期限来适应这些变化，而 zkSNACKs 则实施了“立即生效”的新政策。

Acinq's Phoenix Wallet enables users to store and manage their Bitcoin (BTC) while Wasabi Wallet is known for its coinjoin functionality, which enhances privacy by mixing users' transactions together.

Acinq 的 Phoenix Wallet 使用户能够存储和管理他们的比特币 (BTC)，而 Wasabi Wallet 以其 coinjoin 功能而闻名，该功能通过将用户的交易混合在一起来增强隐私。

Concerns over Self-Custodial Wallets

对自我托管钱包的担忧

The decision by Acinq and zkSNACKs stems from concerns about the regulatory status of self-custodial cryptocurrency wallets. Self-custodial wallets give users complete control over their private keys, allowing them to manage their funds without relying on third-party custodians.

Acinq 和 zkSNACKs 的决定源于对自我托管加密货币钱包监管状况的担忧。自我托管钱包使用户可以完全控制自己的私钥，使他们能够在不依赖第三方托管人的情况下管理自己的资金。

Following the recent enforcement actions against Consensys and Samourai Wallet, Acinq and zkSNACKs have raised concerns that self-custodial wallet providers may not be considered legitimate money service businesses (MSBs) under US law. MSBs are subject to extensive regulations, including registration, record-keeping, and reporting requirements.

继最近针对 Consensys 和 Samourai Wallet 采取执法行动后，Acinq 和 zkSNACKs 引发了人们的担忧，即根据美国法律，自我托管钱包提供商可能不被视为合法的货币服务企业 (MSB)。 MSB 受到广泛的监管，包括注册、记录保存和报告要求。

Regulatory Landscape

监管环境

The regulatory landscape for cryptocurrencies has been evolving rapidly, with different jurisdictions taking varying approaches. While the US is taking a more proactive stance, European regulators have recently eased potential proposed regulations concerning self-custody wallets.

加密货币的监管环境一直在迅速发展，不同的司法管辖区采取了不同的方法。尽管美国采取了更加积极主动的立场，但欧洲监管机构最近放宽了有关自我托管钱包的潜在拟议法规。

On March 23rd, the European Parliament's lead committees scrapped a 1,000 euro ($1,080) limit on crypto payments from self-hosted crypto wallets as part of new anti-money laundering laws. This move indicates a more flexible approach towards self-custody wallets.

3 月 23 日，作为新反洗钱法的一部分，欧洲议会领导委员会取消了对自托管加密钱包的加密支付 1,000 欧元（1,080 美元）的限制。此举表明自助托管钱包采取了更灵活的方法。

Financial Loss Risks

财务损失风险

The implications of the recent regulatory actions and the concerns raised by Acinq and zkSNACKs are significant. If self-custodial wallet providers are deemed MSBs, they could face increased regulatory scrutiny, compliance costs, and potential legal liability.

最近的监管行动以及 Acinq 和 zkSNACKs 提出的担忧的影响是重大的。如果自我托管钱包提供商被视为 MSB，他们可能会面临更严格的监管审查、合规成本和潜在的法律责任。

Moreover, users of self-custodial wallets may be subjected to additional restrictions and reporting requirements, which could diminish the privacy and autonomy that these wallets offer.

此外，自我托管钱包的用户可能会受到额外的限制和报告要求，这可能会削弱这些钱包提供的隐私和自主权。

Conclusion

结论

The actions taken by Acinq and zkSNACKs highlight the growing regulatory uncertainty surrounding cryptocurrencies in the United States. As regulators continue to grapple with the challenges posed by this emerging asset class, businesses and users alike are navigating a complex and evolving landscape.

Acinq 和 zkSNACKs 采取的行动凸显了美国加密货币监管日益增长的不确定性。随着监管机构继续应对这一新兴资产类别带来的挑战，企业和用户都在应对复杂且不断变化的环境。

It remains to be seen how the regulatory environment will develop and what further implications it may have for the cryptocurrency ecosystem. However, it is clear that the regulatory scrutiny of self-custodial wallets and other crypto-related businesses is likely to continue, shaping the future of the industry.

监管环境将如何发展以及它可能对加密货币生态系统产生什么进一步影响还有待观察。然而，很明显，对自我托管钱包和其他加密相关业务的监管审查可能会继续下去，从而塑造该行业的未来。