汇款税可能会刺激加密货币复兴

尽管Crypto的汇款用例未能获得吸引力，但这可能会改变。唐纳德·特朗普总统被称为“大而美丽的法案”的共和党优先法案提议向非美国公民派遣给其祖国的汇款征收5％的税。

If Trump’s bill is passed as it stands, it would introduce a 5% tax on remittances, affecting over 40 million people and potentially generating over $3 billion in revenue.

如果特朗普的法案按照目前的成绩通过，它将对汇款征收5％的税，影响超过4000万人，并可能产生超过30亿美元的收入。

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As reported by the Financial Times, the Republican priority bill, referred to by President Donald Trump as the “big, beautiful bill,” proposes introducing a 5% tax on remittances sent by non-U.S. citizens to their home countries. This measure, which has already faced rejection from countries like Mexico, would affect an estimated 40 million people in the U.S.

据《金融时报》报道，《共和党优先法案》被唐纳德·特朗普总统称为“大而美丽的法案”，提议对非美国公民送往其祖国的汇款提出5％的税。这项措施已经面临墨西哥等国家的拒绝，将影响美国估计有4000万人

The bill's aim is to generate revenue by taxing the vast sums of money that migrants send home each year. For instance, in 2023, remittances to Mexico alone amounted to over $60 billion, according to Bank of Mexico figures.

该法案的目的是通过对每年移民寄来的大量资金征税来产生收入。例如，根据墨西哥银行的数据，在2023年，仅向墨西哥汇款就达到了600亿美元。

However, even if the bill is applied, analysts believe these capital flows will find a way to reach their destination, evading this tax.

但是，即使采用了该法案，分析师也认为这些资本流程将找到到达目的地的方法，从而逃避此税。

“Some senders would find ways to send money differently, through unauthorized channels, to avoid the tax. It would fall disproportionately on lower-income senders who use more expensive services to transfer smaller sums of money,” said Manuel Orozco, director of the Migration, Remittances, and Development Program at the Inter-American Dialogue.

“有些发件人会通过未经授权的渠道找到不同的方式来避免税收的方式。它将不成比例地落在低收入的发件人身上，这些发件人使用更昂贵的服务来转移较小的钱，”迁移，汇款和开发计划的主管Manuel Orozco在美国互及美食对话中的发展计划。

This new use case for crypto could see a resurgence if Trump’s bill is passed, with migrants opting for self-hosted wallets or decentralized finance (DeFi) protocols to transfer their funds.

如果通过特朗普的法案，该新的Crypto新用例可能会恢复，而移民选择自托管钱包或分散融资（DEFI）协议来转让其资金。

“[Those] self-hosted wallets are not covered by the bill because they are not remittance transfer providers, nor do they provide financial services, at least not according to the legislation’s definitions. That means that self-hosted crypto wallets would fall outside the scope of the bill,” noted Coin Center.

“法案不是因为它们不是汇款转让提供商，也没有提供金融服务，至少不是根据立法的定义不提供金融服务。这意味着自托管的加密钱包将属于法案范围，”

The crypto advocacy center added that the bill’s definition of remittance transfer providers includes "any person who, for fee or commission, engages in the transfer of funds or the payment of an underlying obligation, in an amount of $10,000 or less."

加密宣传中心补充说，该法案对汇款转让提供商的定义包括“任何人，以收费或佣金进行资金转让或支付基本义务，均为10,000美元或更少。”

Despite the potential for crypto use, the report highlighted that most of the volume in the remittance market is processed by a small number of large financial institutions. These institutions would be directly impacted by the tax, which could ultimately lead to higher fees for consumers.

尽管有加密使用的潜力，但该报告强调，汇款市场中的大部分数量都由少数大型金融机构处理。这些机构将直接受到税收的影响，这最终可能会给消费者带来更高的费用。

This new use case for crypto could see a resurgence if Trump’s bill is passed, with migrants opting for self-hosted wallets or decentralized finance (DeFi) protocols to transfer their funds.

如果通过特朗普的法案，该新的Crypto新用例可能会恢复，而移民选择自托管钱包或分散融资（DEFI）协议来转让其资金。

“[Those] self-hosted wallets are not covered by the bill because they are not remittance transfer providers, nor do they provide financial services, at least not according to the legislation’s definitions. That means that self-hosted crypto wallets would fall outside the scope of the bill,” noted Coin Center.

“法案不是因为它们不是汇款转让提供商，也没有提供金融服务，至少不是根据立法的定义不提供金融服务。这意味着自托管的加密钱包将属于法案范围，”

The crypto advocacy center added that the bill’s definition of remittance transfer providers includes "any person who, for fee or commission, engages in the transfer of funds or the payment of an underlying obligation, in an amount of $10,000 or less."

加密宣传中心补充说，该法案对汇款转让提供商的定义包括“任何人，以收费或佣金进行资金转让或支付基本义务，均为10,000美元或更少。”

Despite the potential for crypto use, the report highlighted that most of the volume in the remittance market is processed by a small number of large financial institutions. These institutions would be directly impacted by the tax, which could ultimately lead to higher fees for consumers.

尽管有加密使用的潜力，但该报告强调，汇款市场中的大部分数量都由少数大型金融机构处理。这些机构将直接受到税收的影响，这最终可能会给消费者带来更高的费用。