德国金融情报部（FIU）认为与加密交易有关的可疑活动报告中有8％的跃升

Pymnts.com是一本行业杂志，报道了“ 8％的增长”，而法律出版商贝克写道，“比特币或以太坊等数字货币”现在在“反货币清洗局，金融情报部门（FIU）的“主要角色”中起着“主要作用”。

A recent article in the German publication ‌WirtschaftsWoche discussed how reports of suspicious activity to the German Financial Intelligence Unit (FIU) are a minimal indicator of the role of cryptocurrencies in money laundering.

德国出版物的最新文章‌ wirtschaftswoche讨论了对德国金融情报部门（FIU）可疑活动的报告是最小的指标，表明了加密货币在洗钱中的作用。

The article, titled "Minimal Role for Cryptocurrencies in Money Laundering," pointed out how headlines detach themselves from reality. Many sources have reported that money laundering involving cryptocurrencies is on the rise because the FIU, based at the customs authority, has received more suspicious activity reports related to crypto transactions than ever before.

这篇文章题为“加密货币中的最小角色在洗钱中”，指出了头条新闻如何使自己脱离现实。许多消息来源报告说，涉及加密货币的洗钱正在上升，因为位于海关管理局的FIU收到的可疑活动报告比以往任何时候都更加可疑。

PYMNTS.com, an industry magazine, reported an "8 percent jump", while the legal publisher Beck writes that "digital currencies like Bitcoin or Ethereum" now play a "major role" in the "work of the anti-money laundering authority, the Financial Intelligence Unit (FIU)”, the article noted.

该行业杂志Pymnts.com报道了“ 8％的增长”，而法律出版商贝克（Beck）写道，“像比特币或以太坊这样的数字货币”现在在“反洗钱机构的工作，金融情报部门（FIU）的工作中起着“主要作用”，”。

Meanwhile, the FAZ headlines with "More Money Laundering With Bitcoin and Co."

同时，FAZ的头条新闻“与比特币和公司一起洗钱”。

The fact is: According to a statement from an FIU employee, suspicious activity reports related to crypto transactions increased by 8.2 percent last year to 8,711 cases. This means that 3.3 percent of the nearly 266,000 reports concern crypto transactions.

事实是：根据FIU员工的声明，与加密交易有关的可疑活动报告去年增加了8.2％，达到8,711例。这意味着近266,000份报告中有3.3％涉及加密交易。

Calling this a "jump" or a "major role" seems rather exaggerated. It is also questionable whether the increase in suspicious reports indicates, as the FAZ claims, that there is actually more money laundering involving cryptocurrencies—or whether authorities are simply taking a closer look and therefore detecting more.

称其为“跳跃”或“主要角色”似乎很夸张。正如FAZ声称的那样，可疑报告的增加是否表明实际上涉及加密货币的洗钱，或者当局是否只是在仔细观察并因此发现更多的情况下，这也是值得怀疑的。

If someone gets new glasses, it doesn't mean that new stars have appeared in the night sky. Similarly, if the financial intelligence unit is scanning the cryptocurrency sector more closely, it will naturally detect more suspicious activity.

如果有人拿到新眼镜，这并不意味着新星出现在夜空中。同样，如果金融情报部门更仔细地扫描加密货币部门，则自然会发现更多可疑活动。

Lawmakers and regulators are continually tightening reporting obligations for crypto service providers as well as banks when a connection to cryptocurrencies is detected. And if there are more scenarios in which the obligation to report applies, then—unsurprisingly—there are also more reports.

当检测到与加密货币的联系时，立法者和监管机构正在不断收紧加密服务提供商以及银行的报告义务。而且，如果有更多的报告义务适用的义务，那么（不可证实的是）也有更多报告。

In July 2024, the EU anti-money laundering package came into effect, which also holds crypto businesses responsible and precisely defines when suspicious activity reports are to be filed; in January 2025, the ToFR (Transfer of Funds Regulation) will take effect, introducing the travel rule along with even stricter reporting requirements.

2024年7月，欧盟反洗钱计划生效，这也使加密货币业务负责，并精确地定义了何时提交可疑活动报告； 2025年1月，TOFR（资金转让法规）将生效，引入旅行规则以及更严格的报告要求。

Banks, financial service providers, and crypto service providers likely started in 2024 to anticipate the new rules: they are implementing stricter controls, mainly through service providers that scan the blockchain for suspicious transactions, establishing processes to submit reports, and so on.

银行，金融服务提供商和加密服务提供商可能始于2024年，以预测新规则：他们正在实施更严格的控制措施，主要是通过扫描区块链的可疑交易，建立报告的流程等的服务提供商，等等。

That the number of reports under these circumstances has increased by a moderate eight percent does not mean much. In no way does it serve as proof that there has been an increase in crypto-related money laundering; with a bit of imagination, one could also interpret the data to suggest that such laundering has actually decreased.

在这种情况下的报告数量增加了8％，并不意味着太多。它绝不可以证明与加密相关的洗钱有所增加。有了一些想象力，人们还可以解释数据，以表明这种洗钱实际上已经减少。

Nevertheless, it is conceivable that the volume of money laundering involving cryptocurrencies increased in the past year. After all, 2024 was a hype year, during which prices not only rose steadily but also made headlines by reaching a new all-time high.

然而，可以想象的是，涉及加密货币的洗钱数量在过去一年中有所增加。毕竟，2024年是炒作一年，在此期间，价格不仅稳步上涨，而且通过达到新的历史最高水平，成为头条新闻。

Promises to multiply your cryptocurrencies or to buy the "next Bitcoin" with shitcoin XYZ tend to resonate more effectively during such market phases. There are also reports that certain types of online fraud exploit cryptocurrencies more frequently and generate higher revenues year after year.

承诺将您的加密货币乘以或用Shitcoin XYZ购买“下一个比特币”，在此类市场阶段倾向于更有效地产生共鸣。还有报道称，某些类型的在线欺诈利用加密货币会更频繁地产生更高的收入。

Therefore, it is conceivable that more money is being laundered through cryptocurrencies—but suspicious activity reports to the FIU are (currently) not a suitable indicator for this, nor do they show anything more than a minimal role for cryptocurrencies in money laundering.

因此，可以想象，通过加密货币将更多的钱洗钱了，但是对FIU的可疑活动报告（目前）并不适合这一点，也不是他们在洗钱中的加密货币的最小作用外，也没有什么比最小的。