如果特朗普的法案按照目前的身份通过，它将对影响超过4000万人的汇款征收5％的税款。

美丽的法案'汇款税可能会激发加密货币的复兴

The U.S. President Donald Trump's "big, beautiful bill" aims to impose a 5% tax on remittances sent by non-U.S. citizens to their home countries. This measure, included in a broader bill focused on immigration and employment, has already sparked criticism from Mexico.

美国总统唐纳德·特朗普（Donald Trump）的“大而美丽的法案”旨在对非美国公民派往其祖国的汇款征收5％的税。这项措施包括在一项针对移民和就业的更广泛的法案中，已经引发了墨西哥的批评。

As reported by Reuters, the Trump administration is striving to gain congressional approval for its bill, which focuses on reducing legal immigration and employment to counter unemployment in the U.S.

正如路透社报道的那样，特朗普政府正在努力获得国会的批准，该法案的重点是减少法律移民和就业，以抵消美国的失业率

However, one provision of the bill, which aims to introduce a 5% tax on remittances sent by non-U.S. citizens to their home countries, has already faced criticism from Mexico.

但是，该法案的一项规定旨在对非美国公民发送给其本国的汇款征收5％的税，已经面临墨西哥的批评。

The measure, which could affect over 40 million people in the U.S., including those on various visa programs who wire part of their income to support their families, has sparked reactions from countries like Mexico, a major beneficiary of these funds.

该措施可能影响美国超过4000万人，包括各种签证计划的人，他们收入的一部分是为了养家糊口，这引发了这些资金的主要受益人等国家的反应。

"Remittances are the fruit of the efforts of those who, through their honest work, strengthen not only the Mexican economy but also the U.S. economy, which is why we consider this measure to be arbitrary and unjust," said Mexico's President Claudia Sheinbaum.

墨西哥总统克劳迪娅·辛巴姆（Claudia Sheinbaum）说：“汇款是那些通过诚实工作的人的努力成果，不仅加强了墨西哥经济，而且加强了美国经济的努力，这就是为什么我们认为这项措施是任意和不公正的原因。”

According to Bank of Mexico figures, in 2024, remittances to Mexico will exceed $64 billion. The potential application of the tax could generate more than $3 billion if remittance volumes remain close to last year's levels.

根据墨西哥银行的数据，到2024年，墨西哥汇款将超过640亿美元。如果汇款仍然接近去年的水平，税收的潜在申请可能会产生超过30亿美元。

"Even if the bill is applied, these capital flows will find a way to reach their destination, evading this tax," said Manuel Orozco, director of the Migration, Remittances, and Development Program at the Inter-American Dialogue.

“即使提出了该法案，这些资本流量也将找到到达目的地，逃避这项税收的方法，”美国国际对话的移民，汇款和发展计划主任曼努埃尔·奥罗斯科（Manuel Orozco）说。

"Some senders would find ways to send money differently, through unauthorized options, such as cryptocurrency, to ensure the funds reach their destination while avoiding the proposed tax," added Orozco.

Orozco补充说：“有些发件人会通过未经授权的选项（例如加密货币）找到不同的方式来汇款的方法，以确保资金到达目的地，同时避免拟议的税款。”

At the beginning of the year, The TIE Network, an association focused on promoting the use of blockchain technology, pointed out that crypto might be a viable alternative for these migrants to send money to their families in a more efficient and economical way.

在今年年初，TIE Network是一个致力于促进区块链技术使用的协会，指出加密货币可能是这些移民以更有效和经济的方式向家人汇款的可行替代方法。

"These workers, unable to transfer funds easily due to high bank fees, often resort to informal and risky methods to send money home."

“这些工人由于高银行费用而无法轻易转让资金，经常诉诸非正式和风险的方法来汇款。”

However, if they used self-hosted wallets, they would be outside the scope of the bill, according to crypto advocacy center Coin Center, as these are not considered remittance-transfer providers, as there is no intermediary facilitating these tasks.

但是，根据加密宣传中心硬币中心的说法，如果他们使用自主钱包，他们将不在法案范围之内，因为这些中心不被视为汇款转移提供者，因为没有中介机构促进这些任务。

"If someone wants to send cryptocurrency directly to another person's wallet, without using a third-party service provider, they would not be subject to the 5% tax."

“如果有人想直接将加密货币直接发送给他人的钱包，而无需使用第三方服务提供商，他们将不会受到5％的税。”