印度尼西亚监管机构建立加密资产监管沙箱

印度尼西亚金融服务管理局（OJK）实施了一项新规则，要求包括加密货币实体在内的金融机构在该国运营之前必须在“监管沙箱”内接受评估。该举措旨在促进创新，同时保护用户免受潜在损失和欺诈，确保产品和服务符合消费者适用性标准。加密货币公司将接受沙箱内的审查，这突显了 OJK 对消费者保护和金融领域负责任创新的承诺。

Indonesia's Financial Regulator Establishes Regulatory Sandbox for Crypto Assets

印度尼西亚金融监管机构建立加密资产监管沙箱

In a significant move to regulate and foster innovation in the financial sector, the Indonesian Financial Services Authority (OJK) has implemented a new rule requiring financial institutions to subject their products and services, including those in the crypto sphere, to scrutiny within its Regulatory Sandbox. This initiative aims to strike a delicate balance between promoting technological advancements and safeguarding consumers from potential risks and fraudulent activities.

作为监管和促进金融领域创新的重大举措，印度尼西亚金融服务管理局（OJK）实施了一项新规则，要求金融机构将其产品和服务（包括加密货币领域的产品和服务）置于其监管沙箱内进行审查。该举措旨在在促进技术进步和保护消费者免受潜在风险和欺诈活动之间取得微妙的平衡。

Under the new mandate, banking, insurance, and crypto entities operating in Indonesia must undergo evaluation within the regulatory sandbox before receiving authorization to launch new products and services. This process ensures that offerings meet the standards of consumer suitability and align with the OJK's regulatory framework.

根据新的规定，在印度尼西亚运营的银行、保险和加密货币实体必须在监管沙箱内接受评估，然后才能获得推出新产品和服务的授权。此流程可确保产品符合消费者适用性标准并符合 OJK 的监管框架。

"We are committed to protecting consumers and educating them about financial products and services," said Hasan Fawzi, Executive Head of the Supervisor of Financial Sector Technology Innovation, Digital Financial Assets, and Crypto Assets at the OJK. "Regulatory mechanisms are crucial in preventing fraudulent investments, and the regulatory sandbox is an essential tool in this endeavor."

OJK 金融部门技术创新、数字金融资产和加密资产监管机构执行负责人 Hasan Fawzi 表示：“我们致力于保护消费者并向他们提供有关金融产品和服务的教育。” “监管机制对于防止欺诈性投资至关重要，而监管沙盒是这一努力的重要工具。”

Failure to comply with the new requirement could result in companies being deemed unlicensed, rendering their products and services illegal in Indonesia. The regulatory sandbox serves as a testing ground where products and services are thoroughly assessed to determine their reliability, business processes, and risk management practices.

不遵守新要求可能会导致公司被视为无执照，从而使其产品和服务在印度尼西亚非法。监管沙箱充当测试场，对产品和服务进行彻底评估，以确定其可靠性、业务流程和风险管理实践。

This move marks a significant shift in Indonesia's regulatory landscape for crypto assets. Supervision and regulation of these assets will transition from the Commodity Futures Trading Regulatory Agency (Bappebti) to the OJK by 2025. Fawzi emphasized the regulatory sandbox as a crucial tool for familiarizing organizers and practitioners in the digital finance sector with OJK regulations, ultimately facilitating a smoother transition.

此举标志着印度尼西亚加密资产监管格局的重大转变。到 2025 年，对这些资产的监督和监管将从商品期货交易监管机构 (Bappebti) 过渡到 OJK。Fawzi 强调，监管沙盒是让数字金融领域的组织者和从业者熟悉 OJK 监管的重要工具，最终促进过渡更顺畅。

"The regulatory sandbox will enable participants to understand and comply with OJK regulations, while allowing us to introduce effective regulation and supervision to ensure compliance and consumer protection," Fawzi explained.

Fawzi 解释道：“监管沙盒将使参与者能够理解并遵守 OJK 法规，同时使我们能够引入有效的监管和监督，以确保合规性和消费者保护。”

Despite previous criticisms of Indonesia's regulatory approach to cryptocurrencies, the country boasts one of the highest adoption rates globally. The market has witnessed a significant increase in investors, with over 18.51 million reported by Bappebti in 2023, indicating a 9.8% growth by February 2024.

尽管此前印度尼西亚对加密货币的监管方式受到批评，但该国仍是全球采用率最高的国家之一。该市场的投资者大幅增加，Bappebti 报告称，2023 年投资者数量超过 1851 万人，表明到 2024 年 2 月将增长 9.8%。

However, challenges such as dual taxation and restrictions on direct crypto payments for goods and services have prompted concerns among industry stakeholders. Local exchanges have expressed apprehensions that high taxes could potentially deter user activity within licensed platforms.

然而，双重征税以及对商品和服务直接加密支付的限制等挑战引起了行业利益相关者的担忧。当地交易所表示担心高税收可能会阻碍许可平台内的用户活动。

In light of these developments, Indonesia continues to navigate the delicate balance between fostering innovation and ensuring regulatory compliance in the crypto sphere. With the implementation of the regulatory sandbox and forthcoming regulatory transitions, the country aims to strengthen its position in the global crypto landscape while safeguarding the interests of consumers.

鉴于这些发展，印度尼西亚继续在促进加密货币领域创新和确保合规性之间寻求微妙的平衡。随着监管沙盒的实施和即将到来的监管过渡，该国旨在加强其在全球加密货币领域的地位，同时维护消费者的利益。