丹麦考虑监管自我托管比特币钱包，引发行业担忧

Trading Protocol 的 Mikko Ohtamaa 针对丹麦 FSA（金融监管局）最近的 DeFi 指导意见指出，

Denmark’s financial regulator may extend regulation to self-custodial wallets like Bitcoin [BTC] wallets. The move was sparked by recent DeFi guidance from the Danish FSA (Financial Supervisory Authority).

丹麦金融监管机构可能会将监管范围扩大到比特币 [BTC] 钱包等自我托管钱包。此举是由丹麦 FSA（金融监管局）最近发布的 DeFi 指南引发的。

Mikko Ohtamaa of Trading Protocol highlighted the issue, stating:

Trading Protocol 的 Mikko Ohtamaa 强调了这个问题，并指出：

“In the latest DeFi guidance of Danish FSA, the regulator goes overboard. The guidance tries to capture everything in crypto regulation, including your Bitcoin wallet, using the ‘interface’ argument.”

“在丹麦 FSA 最新的 DeFi 指南中，监管机构的做法有些过分。该指南试图使用‘接口’论点来涵盖加密货币监管中的所有内容，包括你的比特币钱包。”

According to Ohtamaa, the interface thesis could impact a wide range of entities, including Bitcoin wallet service providers.

Ohtamaa 表示，该接口论文可能会影响广泛的实体，包括比特币钱包服务提供商。

“You do not need to think about it too hard to realise that everything is an interface: your computer, your web browser, your Bitcoin wallet, Uniswap website, and so on.”

“你不需要想太多就可以意识到一切都是一个界面：你的电脑、你的网络浏览器、你的比特币钱包、Uniswap 网站等等。”

DFSA’s move is driven by a perceived gap in the EU’s MiCA (Markets in Crypto Assets) regulation, which is set to become effective on 30th December, 2024. The MiCA regulations notably exclude decentralized finance.

DFSA 此举是由于欧盟 MiCA（加密资产市场）法规中存在的缺陷所推动的，该法规将于 2024 年 12 月 30 日生效。MiCA 法规特别排除了去中心化金融。

If adopted, the proposal could make offering BTC wallets in Denmark challenging, as highlighted by Ohtamaa.

正如 Ohtamaa 所强调的那样，如果该提案获得通过，可能会使在丹麦提供 BTC 钱包变得具有挑战性。

“What this means is that no one can offer Bitcoin wallets, DEX interfaces, or anything that touches a token to Danish anymore because they would need to be regulated in Denmark.”

“这意味着没有人可以再向丹麦提供比特币钱包、DEX 接口或任何涉及代币的东西，因为它们需要在丹麦受到监管。”

While Estonia reportedly took a similar approach on self-custodial wallets, the US recently rejected a related move.

据报道，爱沙尼亚对自我托管钱包采取了类似的做法，但美国最近拒绝了相关举措。

In March, claims against Coinbase Wallet were dropped in the SEC vs. Coinbase lawsuit, marking a win for self-custody wallets in the US.

3 月份，美国证券交易委员会 (SEC) 诉 Coinbase 诉讼中，针对 Coinbase 钱包的索赔被撤销，这标志着美国自助钱包的胜利。

“Significant setback for SEC w/ Judge Failla granting Coinbase’s motion to dismiss SEC’s claim that Coinbase acted as a broker by offering non-custodial digital wallet software.

“Failla 法官批准了 Coinbase 的动议，驳回 SEC 关于 Coinbase 通过提供非托管数字钱包软件充当经纪人的指控，这对 SEC 来说是重大挫折。

SEC aimed to discourage builders from developing peer-to-peer software. Didn’t work.”

SEC 旨在阻止开发者开发点对点软件。没起作用。”

Moreover, the recently passed US crypto infrastructure bill, FIT21 Act, opted to study DeFi, like MiCA, rather than regulating it.

此外，最近通过的美国加密基础设施法案 FIT21 法案选择像 MiCA 一样研究 DeFi，而不是对其进行监管。

DFSA is currently seeking feedback from private actors on the proposals, which could be revised before adoption.

DFSA 目前正在寻求私营部门对这些提案的反馈，这些提案可能会在通过前进行修改。

Adopting the DFSA proposal, as it is, could negatively impact those offering self-custody Bitcoin wallet services in Denmark, whether through apps or web browsers.

事实上，采用 DFSA 提案可能会对那些在丹麦提供自助托管比特币钱包服务的人产生负面影响，无论是通过应用程序还是网络浏览器。