欧盟计划隐私令牌禁令 - 这对2027年加密货币意味着什么 - 加密新闻闪光灯

从2027年开始，欧盟有望执行全面的反洗钱措施，这基本上将禁止以隐私为导向的加密货币和

The European Union is set to introduce sweeping anti-money laundering (AML) measures in 2027, which will essentially ban privacy-oriented cryptocurrency and anonymous crypto accounts as part of the forthcoming EU AMLR, the new EU financial transparency regime.

欧洲联盟将在2027年引入全面的反洗钱（AML）措施，该措施本质上将禁止以隐私为导向的加密货币和匿名的加密货币作为即将到来的欧盟AMLR，即新的欧盟金融透明度制度的一部分。

Crypto: No Anonymous Accounts, Says AML Handbook

加密：没有匿名帐户，AML手册说

According to the AML Handbook by the European Crypto Initiative (EUCI), Article 79 of the AMLR will place a strong ban on anonymous accounts.

根据《欧洲加密货币计划》（EUCI）的AML手册，AMLR第79条将对匿名帐户进行强有力的禁令。

“Credit institutions, financial institutions, and crypto-asset service providers shall not maintain anonymous accounts, in any form, with any person or entity, or any arrangements enabling transactions to be made without the possibility of identifying the natural person or persons who carries out the transaction or for which the account is opened.”

“信贷机构，金融机构和加密资产服务提供商不得以任何形式，任何个人或实体，或任何安排，有可能在没有可能识别进行交易的自然人或交易的人或为帐户开放的情况下进行交易的任何安排，以任何形式或任何安排来维护匿名帐户。”

This will also include any tools or platforms used to facilitate the anonymisation of transactions. Specifically, the legislation mentions “crypto-asset accounts allowing the anonymisation of transactions” and “accounts using anonymity-enhancing coins.”

这还将包括用于促进交易匿名的任何工具或平台。具体而言，该立法提到了“允许交易匿名的加密资产帐户”和“使用匿名增强硬币的帐户”。

The broader legislation is part of a wider legislative trio comprising the Anti-Money Laundering Directive (AMLD), the Anti-Money Launderening Authority Regulation (AMLAR), and the Anti-Money Laundering Regulation (AMLR) as part of efforts to strengthen the EU’s financial surveillance capacity both in the traditional and digital environment, as we previously reported.

更广泛的立法是包含反洗钱指令（AMLD），反洗钱机构法规（AMLAR）和反货物洗涤法规（AMLR）的更广泛立法三人的一部分，这是一部分，作为增强欧盟在传统和数字环境中的财务监管能力的努力的一部分，如前所述。

Aspects Of Legislation Still Pending

立法的各个方面仍在等待

While the legislation has now been passed, the more granular details of implementation are still being defined by delegated and implementing acts and to a large extent through the supervision of the European Banking Authority.

尽管该立法已经通过，但通过欧洲银行当局的监督，实施和实施行为以及在很大程度上实施的实施和实施的更精细的细节仍在定义。

“This means that the EUCI is still actively working on these level two acts by providing feedback to the public consultations, as some of the implementation details are yet to be finalized,” said Vyara Savova, senior policy lead at EUCI.

EUCI高级政策负责人Vyara Savova表示：“这意味着EUCI仍在通过向公众咨询提供反馈来积极地从事这些级别的第二级行为，因为某些实施细节尚未完成。”

However, she added that despite the pending specifics, the framework itself is now set, and centralized crypto platforms operating under the Markets in Crypto-Assets Regulation (MiCA) must begin adjusting their policies accordingly.

但是，她补充说，尽管有待处理的细节，但现在已经设定了框架本身，并且在Crypto-Assets监管（MICA）下运行的集中式加密平台必须开始相应地调整其政策。

“The broader framework is final, so centralized crypto projects (CASPs under MiCA) need to keep it in mind when determining their internal processes and policies. For instance, they need to adjust their internal policies to align with the new legislation.”

“更广泛的框架是最终的，因此在确定其内部流程和政策时需要牢记集中的加密项目（CASP）需要牢记它。例如，他们需要调整其内部政策以与新立法保持一致。”

Beyond asset restrictions, the regulation will also increase scrutiny of crypto firms operating within the EU. CASPs that maintain operations in six or more member states will fall under direct oversight by the new Anti-Money Laundering Authority (AMLA).

除了资产限制之外，该法规还将增加对欧盟内部运营的加密公司的审查。维持六个或更多会员国行动的库斯普斯将受到新的反洗钱局（AMLA）的直接监督。

A phased selection process will commence on July 1, 2027, with an initial focus on 40 firms—ensuring at least one per member state. Later phases will sweep in additional CASPs based on criteria like transaction volume and customer numbers.

分阶段的选择过程将于2027年7月1日开始，最初的重点是40家公司，每个会员国至少一个。后来的阶段将根据交易量和客户数量等标准扫入其他casps。

The AML Handbook notes that AMLA will apply “materiality thresholds” to identify which CASPs qualify for direct supervision. These include CASPs serving “a minimum of 20,000 customers residing in the host member state.”

AML手册指出，AMLA将采用“物质性阈值”来确定哪个CASP有资格进行直接监督。其中包括为“至少有20,000名居住在接待成员国的客户”的CASP。

Another criterion is concerning annual transactions. It stated that APLIC is to select at least one CASP per member state based on a “phased approach taking into account the volume of transactions. In practice, this will be a minimum of EUR 50 billion in total annual transactions.”

另一个标准是关于年度交易。它指出，APLIC是根据“考虑到交易量的“分阶段”方法，每个会员国至少选择一个CASP。实际上，这将是每年的年度交易至少500亿欧元。”

Additionally, customer identity checks will become mandatory for all crypto transactions above €1,000. Moreover, institutions will be required to report suspicious transactions to AMLA.

此外，对于超过1,000欧元的所有加密交易，客户身份检查将成为强制性的。此外，将要求机构向Amla报告可疑交易。