欧洲联盟非法伪匿名的加密货币帐户和硬币

从2027年开始，欧盟计划取缔化名加密货币帐户并保护机密硬币。

Beginning in 2027, the European Union plans to ban pseudonym cryptocurrency accounts and the safeguarding of confidentiality coins. The measures are part of the new Anti Money Laundering Regulation (AMLR) and are said to be increasing oversight in the crypto sector.

从2027年开始，欧盟计划禁止化名加密货币帐户和保护机密硬币。这些措施是新的反洗钱法规（AMLR）的一部分，据说在加密货币部门的监督增加。

Financial institutions, credit institutions, and crypto asset service providers (CASPs) will be banned from managing anonymous accounts and supporting privacy-focused cryptocurrencies such as Monero and Zcash. The move is focused on making digital transactions more transparent to help in the fight against financial crime.

金融机构，信贷机构和加密资产服务提供商（CASP）将被禁止管理匿名帐户并支持以隐私为重点的加密货币，例如Monero和Zcash。此举的重点是使数字交易更加透明，以帮助打击金融犯罪。

In response to these changes, the European Crypto Initiative (EUCI) has released a comprehensive guide “The AML Handbook” to help cryptocurrency businesses navigate the new rules. It details what CASPs need to do to ensure AMLR compliance; how it impacts EU-based CASPs.

为了应对这些变化，欧洲加密计划（EUCI）发布了一份综合指南“ AML手册”，以帮助加密货币业务浏览新规则。它详细介绍了CASP需要做什么以确保AMLR合规性；它如何影响基于欧盟的桶。

Crypto Anonymity Is Targeted in New AML Rules

加密匿名是针对新AML规则的目标

The AMLR contains a far-reaching framework that outlaws tools and accounts used to obscure transaction details. This includes crypto accounts that enable anonymized transactions and coins designed with privacy enhancement in mind. The regulation covers not only cryptocurrencies but also includes anonymous bank accounts, payment systems, and safe deposit boxes.

AMLR包含一个深远的框架，该框架是禁止用于模糊交易细节的工具和帐户。这包括加密帐户，这些帐户可以牢记匿名交易和硬币，并考虑到隐私的增强。该法规不仅涵盖了加密货币，还包括匿名银行帐户，付款系统和保险箱。

According to the EUCI handbook, AMLA will directly supervise those operating in at least six member states of the EU. It aligns well with global initiatives that combat funding for terrorist organizations and illicit financial transactions. The bloc aimed to close loopholes that illicit activities could exploit through privacy-focused tools.

根据EUCI手册，AMLA将直接监督在欧盟至少六个成员国运营的人。它与为恐怖组织和非法金融交易打击资金的全球举措非常吻合。该集团旨在弥合非法活动可以通过以隐私为中心的工具来利用的漏洞。

Crypto Businesses Face Challenges in Compliance

加密企业在合规性方面面临挑战

Crypto businesses have a lot of work to do in order to meet the AMLR’s extensive requirements. The regulation extends existing AML obligations to CASPs, a term in the Markets in Crypto-Assets (MiCA) framework. However, this means that companies must implement robust measures to verify their customers' identities and monitor transactions.

加密企业为满足AMLR的广泛要求有很多工作要做。该法规将现有的AML义务扩展到CASP，这是加密资产（MICA）框架市场中的一个术语。但是，这意味着公司必须采取强大的措施来验证客户的身份并监视交易。

Failure to comply would be an expensive exercise with substantial financial penalties, seeing businesses focus on regulatory compliance. The handbook provides a complete reference point, bringing together AML rules applicable to the crypto industry, and does not include the Transfer of Funds Regulation (TFR), which is covered by EUCI separately.

不遵守将是一项昂贵的练习，并遭受重大的经济罚款，看到企业专注于监管合规性。该手册提供了一个完整的参考点，将适用于加密行业的AML规则汇总在一起，并且不包括由EUCI分别涵盖的资金法规（TFR）的转让。

The focus on CASPs by the EU is a response to the increasing role of cryptocurrencies in the financial ecosystem. The bloc is enforcing these rules to balance innovation with security, with the crypto sector having to play by the same rules as the rest of the financial world.

欧盟对CASP的关注是对加密货币在金融生态系统中不断增长的作用的回应。该集团正在执行这些规则，以平衡创新与安全性，而加密货币部门必须按照与其他金融世界相同的规则发挥作用。