Tether（USDT）：一种经常被调查用于洗钱的加密货币

USDT，俗称 Tether，是一种经常被调查用于洗钱的加密货币，特别是在亚洲和东南亚国家

Anti-Money Laundering Office (AMLO) officials are investigating whether iCon Group laundered funds through the stablecoin 247 million USDT, a cryptocurrency worth more than 8 billion baht.

反洗钱办公室 (AMLO) 官员正在调查 iCon 集团是否通过价值超过 80 亿泰铢的稳定币 2.47 亿 USDT 洗钱。

After executives of the direct sales firm were arrested and its assets were seized, investigators discovered a suspicious transfer of USDT.

在该直销公司高管被捕并查封其资产后，调查人员发现了可疑的 USDT 转移。

Cryptocurrency is frequently used for money laundering because it can be quickly converted from cash to cryptocurrency and then back to cash or another asset by paying in crypto to launder the funds.

加密货币经常用于洗钱，因为它可以快速从现金转换为加密货币，然后通过支付加密货币来洗钱，然后再转换回现金或其他资产。

USDT, also known as Tether, is a cryptocurrency that is frequently investigated for use in money laundering, particularly in Asian and Southeast Asian countries. According to a UN report published in January this year, USDT's ease of remittance, privacy and low fees make it popular among criminals, and it is generally used for online gambling and by casinos.

USDT，也称为 Tether，是一种经常被调查用于洗钱的加密货币，特别是在亚洲和东南亚国家。根据联合国今年1月发布的一份报告，USDT汇款方便、隐私性强、费用低廉等特点使其深受犯罪分子欢迎，一般用于在线赌博和赌场。

Stablecoins, such as USDT, are a type of cryptocurrency that is designed to have a stable value, typically pegged to a fiat currency like the US dollar, gold or other assets.

USDT 等稳定币是一种具有稳定价值的加密货币，通常与美元、黄金或其他资产等法定货币挂钩。

Launched by Tether Inc in 2014, Tether is the largest stablecoin by trading volume, holding 70% of the market share. As of July 2024, Tether has more than 350 million users worldwide.

Tether 由 Tether Inc 于 2014 年推出，是交易量最大的稳定币，占据 70% 的市场份额。截至 2024 年 7 月，Tether 在全球拥有超过 3.5 亿用户。

However, the stablecoin has faced criticism regarding the transparency and verifiability of its claimed fiat reserves.

然而，稳定币因其所声称的法定储备的透明度和可验证性而面临批评。

Stablecoins offer several benefits, including allowing holders to avoid the volatility of crypto and making international money transfers or trading as a crypto asset more convenient.

稳定币具有多种优势，包括允许持有者避免加密货币的波动性，并使国际汇款或作为加密资产进行交易更加方便。

Transferring money or making international transactions using dollars can be slow and more expensive than using stablecoin because it has to go through financial intermediaries such as banks or the Society for Worldwide Interbank Financial Telecommunication system. Therefore, entrepreneurs are increasingly turning to international money transfers via crypto.

使用美元转移资金或进行国际交易可能比使用稳定币缓慢且昂贵，因为它必须通过银行或环球银行金融电信协会等金融中介机构。因此，企业家越来越多地转向通过加密货币进行国际汇款。

According to crypto advocates, the main differences between international money transfers via crypto and the US dollar are:

根据加密货币倡导者的说法，通过加密货币和美元进行国际汇款之间的主要区别是：

- Stable value: Stablecoin is designed to have a value equivalent to the dollar (or other assets), while the dollar is influenced by governments and global markets.

- 价值稳定：稳定币被设计为具有与美元（或其他资产）相当的价值，而美元则受到政府和全球市场的影响。

- Decentralisation: Stablecoin can be transferred via a blockchain system without an intermediary organisation, making it faster and cheaper, while the dollar still needs to go through the traditional banking process.

- 去中心化：稳定币可以通过区块链系统进行转移，无需中介机构，使其更快、更便宜，而美元仍然需要经过传统的银行流程。

- Usage in the digital world: Stablecoin can be used in the crypto world, such as trading digital assets or using DeFi (decentralised finance) platforms, while the greenback is used in the real-world economy.

- 在数字世界中的使用：稳定币可以在加密世界中使用，例如交易数字资产或使用 DeFi（去中心化金融）平台，而美元则用于现实世界经济。

Traditional cryptocurrencies like Bitcoin or Ethereum (ETH) tend to be highly volatile, whereas a stablecoin pegged to the dollar allows users to hold digital assets without worrying about sudden value changes, making it a more reliable tool for transferring money and saving within the crypto ecosystem.

比特币或以太坊（ETH）等传统加密货币往往波动性很大，而与美元挂钩的稳定币允许用户持有数字资产，而不必担心突然的价值变化，使其成为加密生态系统中更可靠的转账和储蓄工具。

Moreover, stablecoins such as USDT or USDC, another crypto stablecoin pegged to the dollar and managed by Circle, serve as an important bridge between traditional financial systems and the crypto world. By having their value pegged to the dollar, users can easily transfer or convert stablecoins to cash or other digital assets. This reduces the friction and fees associated with currency conversions and international money transfers.

此外，由 Circle 管理的另一种与美元挂钩的加密稳定币 USDT 或 USDC 等稳定币，是传统金融体系与加密世界之间的重要桥梁。通过将稳定币的价值与美元挂钩，用户可以轻松地将稳定币转移或转换为现金或其他数字资产。这减少了与货币兑换和国际汇款相关的摩擦和费用。

Stablecoins also play a key role in DeFi platforms that allow users to borrow, lend or enter into financial contracts without going through an intermediary, such as a bank. The stability of stablecoins enables users to make financial transactions without being exposed to crypto volatility in the process.

稳定币在 DeFi 平台中也发挥着关键作用，该平台允许用户无需通过银行等中介机构即可借贷或签订金融合约。稳定币的稳定性使用户能够进行金融交易，而在此过程中不会受到加密货币波动的影响。

In everyday life, stablecoins can act as digital cash. Users can purchase goods and services across multiple platforms using stablecoins. This increases transaction efficiency and reduces reliance on banks or traditional financial systems.

在日常生活中，稳定币可以充当数字现金。用户可以使用稳定币跨多个平台购买商品和服务。这提高了交易效率并减少了对银行或传统金融系统的依赖。

"Whether a transaction is money laundering depends on the purpose of the transfer. It is not money laundering in all cases," said a source familiar with crypto transactions who requested anonymity.

“交易是否属于洗钱取决于转账的目的。并非所有情况下都属于洗钱，”一位不愿透露姓名的熟悉加密货币交易的消息人士表示。

According to the source, blockchain technology enables the verification and tracking of USDT transactions in a transparent manner using a tool called a blockchain explorer, such as Etherscan or Tronscan, to view information about transactions, such as wallet addresses that send and receive USDT.

据消息人士透露，区块链技术可以使用称为区块链浏览器的工具（例如 Etherscan 或 Tronscan）以透明的方式验证和跟踪 USDT 交易，以查看有关交易的信息，例如发送和接收 USDT 的钱包地址。

The first step in the money laundering process using USDT is to place the money to be laundered into a layering system, followed by making fake transactions via transfers back and forth to make it difficult to track, and finally mixing grey money with clean money.

使用USDT进行洗钱的第一步是将待洗钱放入分层系统中，然后通过来回转账进行虚假交易以使其难以追踪，最后将灰色货币与干净货币混合在一起。

The final step is integration, which means converting the money into other assets, mostly luxury products such as branded bags, luxury cars or land, said the source.

消息人士称，最后一步是整合，这意味着将资金转换成其他资产，主要是品牌包袋、豪华汽车或土地等奢侈品。

The USDT needs to be converted to other assets because even though USDT is a popular digital currency, it still has limitations maintaining its value in the long term because it does not have a mechanism to resist inflation.

USDT需要转换为其他资产，因为尽管USDT是一种流行的数字货币，但由于它不具有抵抗通货膨胀的机制，因此长期保持其价值仍然存在局限性。

"Converting USDT into valuable assets is one way to maintain the value of capital in the long term," said the source.

消息人士表示：“将 USDT 转换为有价值的资产是长期保持资本价值的一种方式。”

To track USDT transfers, people need the knowledge and skills to investigate and ownership of a digital wallet, said the source.

消息人士称，为了追踪 USDT 转账，人们需要具备调查和掌握数字钱包的知识和技能。

"Even if you know where the destination is, you cannot know who owns the

“即使你知道目的地在哪里，你也不知道谁拥有