。隐私硬币和匿名加密钱包可能很快就会成为欧盟的历史。

作为彻底大修以加强反洗钱规则的一部分，欧盟宣布了计划在2027年7月1日之前禁止。

The European Union is setting the stage for a future where privacy coins like Monero and anonymous crypto wallets will be a thing of the past. As part of a broader move to adjust anti-money laundering rules, the EU plans to ban both by July 1, 2027.

欧洲联盟正在为未来的舞台奠定基础，其中隐私硬币和匿名加密钱包等隐私硬币将成为过去。作为调整反洗钱规则的更广泛举措的一部分，欧盟计划在2027年7月1日之前禁止两者。

The message is simple: crypto can stay, but it will play by the same rules as the rest of the financial system.

消息很简单：加密可以保留，但是它将按照与其他金融系统相同的规则来播放。

This isn’t the first time rumors of a privacy coins EU ban have swirled. But these plans are now part of the updated Anti-Money Laundering Regulation, known as AMLR, which has implications for decentralized finance and the broader crypto landscape.

这不是欧盟禁令的第一次谣言。但是这些计划现在已成为更新的反洗钱法规的一部分，即AMLR，该法规对分散的金融和更广泛的加密货币有影响。

What the Ban on Anonymous Crypto Accounts Encompasses

禁止匿名加密​​帐户包含的内容

The proposal isn’t about a light tap on the wrist. It would completely eliminate anonymous crypto accounts throughout the EU. This would prevent crypto service providers, exchanges, and even financial institutions from offering services without collecting customer identification.

该提案与手腕上无关。它将完全消除整个欧盟的匿名加密帐户。这将防止加密服务提供商，交流甚至金融机构在不收集客户身份的情况下提供服务。

If you’re a fan of privacy-focused cryptocurrencies like Monero (XMR), Zcash (ZEC), or Dash, get ready for a reality check. The EU is specifically targeting these coins, stating that they make it too easy to conceal transactions and move illicit money undetected.

如果您是Monero（XMR），Zcash（ZEC）或DASH等以隐私为重点的加密货币的粉丝，请准备好进行现实检查。欧盟专门针对这些硬币，表明它们太容易掩盖了交易，并将未被发现的非法资金移动。

Additionally, the regulation enforces stricter measures on crypto transfers. For any transaction exceeding 1,000 euros, the identity of both the sender and receiver will need to be verified, aligning crypto rules more closely with traditional banking.

此外，该调节对加密转移进行了更严格的措施。对于超过1,000欧元的任何交易，都需要验证发件人和接收器的身份，将加密货币规则与传统银行业务更加紧密。

Which Body Will Be Monitoring the New Rules?

哪个机构将监视新规则？

To ensure that the new rules aren’t just written in a vacuum, the EU is establishing a new agency called the Anti-Money Laundering Authority, or AMLA. This body will directly supervise up to 40 crypto asset service providers, spanning at least six EU countries.

为了确保新规则不仅用真空编写，欧盟正在建立一个名为反洗钱机构或AMLA的新机构。该机构将直接监督多达40个加密资产服务提供商，其中至少有6个欧盟国家。

These companies must have either over 20,000 users or handle more than 50 million euros in annual transactions to fall under AMLA’s radar.

这些公司必须拥有20,000多名用户，或者在年度交易中处理超过5000万欧元，以属于Amla的雷达。

The aim is to prevent a patchwork of regulations among member states and deter shady actors from shifting operations across borders to find the weakest oversight.

目的是防止成员国之间的法规拼凑而成，并阻止阴暗的行为者转移跨境的行动，以找到最弱的监督。

A Closer Look at the Implications

仔细观察含义

Many have voiced criticism of the move, arguing that banning privacy coins and anonymous wallets is an overly harsh approach. It could hinder innovation and erode personal privacy, as these tools are also utilized by activists, journalists, and individuals to maintain financial privacy in an increasingly digital age.

许多人对此举表达了批评，认为禁止隐私硬币和匿名钱包是一种过于严厉的方法。它可能会阻碍创新并侵蚀个人隐私，因为这些工具也被激进主义者，记者和个人使用，以在日益数字时代维持财务隐私。

However, regulators maintain that this step is crucial to deter criminals from exploiting crypto for money laundering activities. Moreover, with global pressure mounting to integrate crypto into the existing financial regulations, the EU is positioning itself as a leader in enforcement.

但是，监管机构坚持认为，这一步骤对于阻止犯罪分子剥削加密货币活动至关重要。此外，随着全球压力越来越多地将加密货币整合到现有的金融法规中，欧盟将自己定位为执法领导者。

What Does This Mean for the Future of Privacy Coins in the UK?

这对英国隐私硬币的未来意味着什么？

The EU’s 2027 deadline will necessitate significant adjustments in how crypto operates within its borders. Service providers will need to develop robust “know your customer” systems and readjust their approach to privacy tools.

欧盟的2027年截止日期将需要对加密货币在其边界内运行的方式进行重大调整。服务提供商将需要开发强大的“了解您的客户”系统并重新调整其隐私工具的方法。

While it remains to be seen whether other regions will follow suit, one thing is clear: Europe is drawing the curtain on the days of anonymous crypto.

虽然其他地区是否会效仿还有待观察，但很明显：欧洲在匿名加密时代绘制窗帘。