FATF对Stablecoins在非法活动中的作用发出了警报，而美国参议院和公司正在驾驶监管。这是金融的野外吗？

Stablecoins, Criminal Use, and the Task Force: A New York Perspective

Stablecoins，刑事用途和工作队：纽约的观点

Stablecoins are gaining traction, but so is their use in illicit activities. The FATF is pushing for stricter regulations, while the US tries to figure out how to deal with them. What's a New Yorker to think?

稳定的人正在吸引人，但它们在非法活动中的使用也是如此。 FATF正在推动更严格的法规，而美国试图弄清楚如何处理它们。纽约人有什么想法？

Stablecoins Under Scrutiny

在审查中稳定的co

The Financial Action Task Force (FATF) recently dropped a report that's got everyone talking. Apparently, a whole lot of illegal stuff happening in the crypto world is now tied to stablecoins. We're talking drug traffickers, North Korean hackers – the whole nine yards. And just when U.S. lawmakers and businesses are pushing for more stablecoin adoption? Classic.

金融行动工作组（FATF）最近放弃了一份报告，使每个人都在讲话。显然，在加密货币世界中发生的许多非法事情现在与稳定币有关。我们正在谈论贩毒者，朝鲜黑客 - 整个九码。就在美国立法者和企业正在推动采用更多的稳定币吗？经典的。

Since the FATF's last check-in in 2024, the use of stablecoins by these shady characters has gone up. Makes sense, right? Low transaction costs, less volatility – it's like a criminal's dream come true. But hey, at least the U.S. Senate is trying to do something about it with the “Genius Act,” aiming to regulate these tokens more tightly.

自FATF在2024年上一次登机手续以来，这些阴暗角色使用Stablecoins的使用已经上升。有道理，对吗？交易成本低，波动性较小 - 就像犯罪分子的梦想成真。但是，嘿，至少美国参议院试图通过“天才行为”对此做些事情，旨在更加严格地调节这些令牌。

The Risks of Illicit Use

非法使用的风险

The FATF report throws some serious shade on stablecoins, especially when they're chilling in “unhosted wallets” – basically, wallets outside the watchful eyes of financial institutions. This is where the real mischief happens, making it super easy for criminals to dodge detection. And guess what stablecoin is getting the most action? Tether's USDT, hanging out on the Tron ledger.

FATF的报告给Stablecoins带来了一些严重的阴影，尤其是当它们在“未遗产的钱包”中放松时，基本上是金融机构的注意力之外的钱包。这是真正的恶作剧发生的地方，使罪犯非常容易躲避检测。猜猜什么是稳定的动作最多？系绳的USDT，在Tron Ledger上闲逛。

We're talking about an estimated $51 billion in shady on-chain activity related to fraud and scams in 2024 alone! And Tether? Radio silence. Makes you wonder who's minding the store.

我们谈论的是，仅2024年，与欺诈和骗局有关的估计有510亿美元的阴暗链活动！和系绳？无线电沉默。让您想知道谁在想商店。

A Call for Enhanced Regulation

呼吁加强法规

Even though governments are trying to keep an eye on digital assets, the FATF says there are still massive holes in the system when it comes to stopping criminals and terrorists from misusing them. They're urging governments to step up their licensing and registration game for virtual asset companies. Plus, figuring out who's behind those decentralized blockchain apps? Still a major headache.

即使政府试图关注数字资产，FATF表示，在阻止罪犯和恐怖分子滥用罪犯时，系统中仍然存在巨大的漏洞。他们敦促政府为虚拟资产公司加强其许可和注册游戏。另外，弄清楚谁在那些分散的区块链应用程序背后？仍然是主要的头痛。

My Two Cents

我的两分钱

Look, stablecoins have potential, but we can't ignore the obvious risks. The FATF is right – we need better regulation, and we need it now. It's like building a skyscraper on a shaky foundation. Sure, it might look impressive, but it's only a matter of time before it all comes crashing down. Companies should be proactive, not reactive. Get ahead of the curve, work with regulators, and show the world you're serious about playing by the rules.

看，Stablecoin具有潜力，但我们不能忽略明显的风险。 FATF是对的 - 我们需要更好的监管，现在我们需要它。这就像在摇摇欲坠的基础上建造摩天大楼。当然，这看起来可能令人印象深刻，但这只是时间问题，这一切都崩溃了。公司应积极主动，而不是反应性。领先于曲线，与监管机构合作，并向世界展示您对按规则进行游戏的认真。

However, there is the trend of de-dollarization. According to IMF data, The U.S. dollar's share of global foreign exchange reserves has declined from 70% in 2000 to 58% in 2024. In this regard, EUR-pegged stablecoins are emerging as a strategic asset class, positioned to capitalize on cross-border transaction growth and regulatory tailwinds.

但是，存在债务趋势。根据国际货币基金组织的数据，美元在全球外汇储备中的份额已从2000年的70％下降到2024年的58％。在这方面，欧洲近距离的Stablecoins正在成为一种战略资产类别，定位为利用跨境交易增长和监管尾声。

Final Thoughts

最后的想法

So, what's the takeaway? Stablecoins are here to stay, but they're not ready for prime time just yet. We need stricter rules, more transparency, and a whole lot more accountability. Otherwise, we're just setting ourselves up for a financial disaster. And nobody wants that, right? Stay safe out there, New York!

那么，收获是什么？ Stablecoins在这里留下来，但他们还没有准备好黄金时段。我们需要更严格的规则，更多的透明度和更多的问责制。否则，我们只是为财务灾难做好准备。没有人想要那个，对吗？纽约，在那里保持安全！