摩洛哥结束七年加密货币禁令，起草数字资产行业新法规

摩洛哥政府起草了数字资产领域的新法规，这将结束长达七年的“加密货币”禁令。

Morocco’s government has drafted new regulations for the digital asset sector, which would end a seven-year ‘crypto’ ban.

摩洛哥政府起草了数字资产领域的新法规，这将结束长达七年的“加密货币”禁令。

In a recent speech, Abdellatif Jouahri, the governor of the Bank Al-Maghrib (BAM), revealed that the country is softening its stance on digital assets. He confirmed that the central bank had led the initiative and that the new legal framework is in the last stages and will be presented to lawmakers soon.

Al-Maghrib 银行（BAM）行长 Abdellatif Jouahri 在最近的一次演讲中透露，该国正在软化对数字资产的立场。他证实，央行牵头了这一举措，新的法律框架已处于最后阶段，将很快提交给立法者。

“In this regard, Bank Al-Maghrib, with the participation of all stakeholders and the support of the World Bank, has prepared a draft law regulating cryptoassets, which is currently in the adoption process,” Jouahri stated in his speech at the 4th Regional High-Level Symposium on Financial Stability in Rabat on Tuesday.

Jouahri 在第四届区域会议上的讲话中表示：“在这方面，Al-Maghrib 银行在所有利益相关者的参与和世界银行的支持下，起草了一份监管加密资产的法律草案，目前正在通过过程中。”周二在拉巴特举行金融稳定高级别研讨会。

Morocco banned digital assets in 2017, at a time when adoption was soaring across Africa. Since then, the continent has become a Bitcoin hotspot, with Nigeria, Egypt, South Africa, and Kenya ranking highly globally for adoption.

摩洛哥于 2017 年禁止数字资产，当时数字资产在非洲的采用率正在飙升。从那时起，非洲大陆就成为了比特币的热点，尼日利亚、埃及、南非和肯尼亚的比特币采用率在全球排名靠前。

Morocco’s ban did little to curb adoption. Last year, Chainalysis ranked the country 20th globally for adoption; in 2022, it ranked 14th, ahead of heavyweights like the U.K. and Indonesia. Another survey ranked the country 13th globally in 2023, estimating that nearly 5% of its 39 million citizens owned digital assets.

摩洛哥的禁令几乎没有抑制收养。去年，Chainaanalysis 将该国的采用率排名全球第 20 位； 2022年，它排名第14位，领先于英国和印度尼西亚等重量级国家。另一项调查显示，2023 年该国在全球排名第 13 位，估计其 3900 万公民中近 5% 拥有数字资产。

The draft regulations represent a drastic shift for Morocco’s top bank. As recently as two years ago, BAM warned its citizens against digital assets, claiming they posed a “significant risk for Moroccan users.” It also drew links between digital assets and illegal activities such as money laundering.

该法规草案代表了摩洛哥顶级银行的巨大转变。就在两年前，BAM 警告其公民不要使用数字资产，声称它们对“摩洛哥用户构成重大风险”。它还将数字资产与洗钱等非法活动联系起来。

However, it aligns with the bank’s approach in recent years of reducing the hurdles barring the adoption of emerging technologies to ensure the North African country can still compete with peers globally.

然而，这与该行近年来减少采用新兴技术的障碍的做法是一致的，以确保这个北非国家仍然能够与全球同行竞争。

“The Moroccan authorities adopted a regulatory approach aimed at ensuring adequate protection for users and investors, while preserving the opportunities to capitalize on these innovations,” Governor Jouahri told the audience.

“摩洛哥当局采取了监管措施，旨在确保为用户和投资者提供充分的保护，同时保留利用这些创新的机会，”州长朱阿赫里告诉观众。

Beyond digital assets, the regulator is also exploring a digital dirham and how it could “contribute to achieving public policy objectives, particularly in terms of financial inclusion,” Jouahri revealed.

Jouahri 透露，除了数字资产之外，监管机构还在探索数字迪拉姆以及它如何“有助于实现公共政策目标，特别是在金融包容性方面”。

“It is a long-term endeavor that must take into account the national socioeconomic context, the evolution of the regional and international environment, as well as the impact on some of the missions of the central bank, particularly monetary policy and financial stability,” he stated.

“这是一项长期努力，必须考虑到国家社会经济背景、区域和国际环境的演变，以及对央行某些使命的影响，特别是货币政策和金融稳定，”他说。

The central bank digital currency (CBDC) project has been ongoing for over three years, but BAM has yet to reveal when it plans to launch the digital currency. Jouahri revealed that one of the aspects that the bank is still working on is cybersecurity, where it has been collaborating with global partners.

央行数字货币（CBDC）项目已持续三年多，但 BAM 尚未透露计划何时推出该数字货币。 Jouahri 透露，该银行仍在研究的方面之一是网络安全，并一直在与全球合作伙伴合作。