新的欧盟规则目标加密匿名，授权数据收集

在都柏林举行的2025年欧洲反金融犯罪峰会上，欧洲群岛总统兼爱尔兰财政部长帕斯卡尔·多诺霍（Paschal Donohoe）宣布了欧盟的意图

The European Union is set to introduce strong regulations to increase transparency in cryptocurrency transactions, as stated by Eurogroup President and Ireland’s Finance Minister, Paschal Donohoe, at the European Anti-Financial Crime Summit 2025 in Dublin.

欧洲联盟将提出强大的法规，以提高加密货币交易的透明度，如欧元组总统兼爱尔兰财政部长帕斯卡尔·多诺霍（Paschal Donohoe）在都柏林2025年的欧洲反金融犯罪峰会上所说。

The proposed legislation, which is set to come into effect in July 2027, will require Crypto Asset Service Providers (CASPs) to collect and retain detailed information on both the sender and receiver of cryptocurrency transactions. This is in contrast to the minimal data currently collected by CASPs, which is starkly different from practices in traditional financial systems.

拟议的立法将于2027年7月生效，将要求加密资产服务提供商（CASP）收集和保留有关加密货币交易的发件人和接收者的详细信息。这与CASP当前收集的最小数据相反，CASP与传统金融系统的实践截然不同。

Back in May 2023, the EU passed the Transfer of Funds Regulation, establishing the requirement for complete tracking of crypto asset transfers. This new regulation builds upon that framework.

早在2023年5月，欧盟就通过了基金法规的转移，确定了对加密资产转移的完整跟踪的要求。这项新规定基于该框架。

As such, starting on July 1, 2027, the EU will prohibit transactions involving anonymous wallets and privacy-focused cryptocurrencies such as Monero (XMR) and Zcash (ZEC). This is all part of the new Anti-Money Laundering Regulation (AMLR), aiming to eliminate avenues for illegal activities facilitated by untraceable digital assets.

因此，从2027年7月1日开始，欧盟将禁止涉及匿名钱包和以隐私为中心的加密货币（例如Monero（XMR）和Zcash（Zec））的交易。这是新的反洗钱法规（AMLR）的一部分，旨在消除无法追踪数字资产促进的非法活动的途径。

This integration into the broader anti-money laundering (AML) framework covers bank and payment accounts, passbooks, safe deposit boxes, and more, expanding the scope of financial supervision.

将这种整合到更广泛的反洗钱（AML）框架中，涵盖了银行和付款帐户，通行证，保险箱存款框等，从而扩大了财务监督的范围。

Furthermore, CASPs operating in six or more EU member states will be subject to direct AML supervision. In cases of non-compliance, authorities will be able to impose IP blocks on decentralized exchanges, ensuring EU-wide compliance with the new standards.

此外，在六个或更多的欧盟成员国中运营的CASP将受到直接监督。在不合规的情况下，当局将能够对分散的交流施加IP块，从而确保欧盟范围内遵守新标准。

While the new regulations are intended to promote greater transparency in the cryptocurrency industry, some industry figures have expressed mixed reactions.

尽管新法规旨在促进加密货币行业的更高透明度，但一些行业人物表达了不同的反应。

Patrick Hansen, EU Strategy and Policy Director at Circle, pointed out that the AMLR is a comprehensive framework encompassing all financial institutions, not a measure exclusively targeting the cryptocurrency sector. A few months ago, he specifically highlighted that the regulations are designed to boost transparency and not intended to ban self-custodial wallets.

Circle的欧盟战略和政策总监Patrick Hansen指出，AMLR是一个涵盖所有金融机构的全面框架，而不是仅针对加密货币行业的措施。几个月前，他特别强调，该法规旨在提高透明度，而不是旨在禁止自我监护钱包。

"The EU's AMLR regulations are a broader anti-money laundering initiative that also covers traditional financial institutions and aims to align anti-money laundering rules across the Union," said Hansen.

汉森说：“欧盟的AMLR法规是一项更广泛的反洗钱倡议，还涵盖了传统的金融机构，旨在使整个联盟的反货币洗钱规则保持一致。”

However, others like James Toledano, COO of Unity Wallet, expressed concerns that the new rules might clash with the foundational principles of decentralized finance (DeFi).

但是，像团结钱包的首席运营官詹姆斯·托莱达诺（James Toledano）这样的其他人表示担心，新规则可能与分散财务的基本原则（DEFI）相冲突。

"While the intent is praiseworthy, the execution might be flawed," said Toledano. "The regulation's scope is vast, encompassing various aspects of the crypto ecosystem and mandating the collection of personally identifiable information (PII) for every crypto transaction."

托莱达诺说：“虽然意图值得称赞，但处决可能存在缺陷。” “该法规的范围很大，包括加密生态系统的各个方面，并要求每次加密交易收集个人身份信息（PII）。”

Despite the regulations, Toledano acknowledged that due to the global nature of cryptocurrencies, users could still find alternative channels to liquidate assets, potentially circumventing the restrictions.

尽管有规定，托莱达诺承认，由于加密货币的全球性质，用户仍然可以找到清算资产的替代渠道，并有可能规避限制。

"It's also worth noting that crypto users could still utilize mixers to obfuscate transaction paths or move their funds to less-regulated jurisdictions, ultimately evading the regulation's intent."

“还值得注意的是，加密用户仍然可以利用搅拌机混淆交易路径或将其资金移至受监管的司法管辖区，最终逃避了该法规的意图。”

All things considered, the implementation of these regulations is expected to have big implications for the cryptocurrency industry within the EU, maybe even influencing global standards for digital asset transactions.

考虑的所有因素，这些法规的实施预计将对欧盟内的加密货币行业产生重大影响，甚至可能影响数字资产交易的全球标准。

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