RIP 非托管钱包规则

2020 年 FinCEN 无托管钱包提案可以说已经搁置多年，但现在已正式发布。

The Treasury Department has officially withdrawn a 2020 proposal that would have imposed know-your-customer requirements on unhosted wallets, effectively putting the matter to rest.

美国财政部已正式撤回一项 2020 年提案，该提案将对非托管钱包施加“了解你的客户”要求，从而有效地解决了这一问题。

The proposal, put forth by the Financial Crimes Enforcement Network (FinCEN), a bureau of the Treasury Department, was met with widespread backlash from the crypto industry and lawmakers. The rule would have required anyone maintaining their own crypto wallet to collect and report the personal information of the senders and receivers of transactions.

该提案由美国财政部下属机构金融犯罪执法网络（FinCEN）提出，遭到了加密货币行业和立法者的广泛反对。该规则要求任何维护自己的加密钱包的人收集和报告交易发送者和接收者的个人信息。

The industry argued that the proposal was technically impossible to comply with for most wallets, given they aren’t companies or entities and don’t normally record that type of personal data. At the time, the proposal drew a huge amount of backlash. Lawmakers (including from the then-president’s own party), company leaders and lobbyist groups all pushed back against the proposal.

该行业认为，从技术上来说，大多数钱包都无法遵守该提案，因为它们不是公司或实体，通常不会记录此类个人数据。当时，这一提议引起了强烈反对。立法者（包括当时总统所在政党的议员）、公司领导人和游说团体都反对该提议。

The rule kind of popped its head up here and there, but was never seriously considered again. Finally on Aug. 19, 2024, the entire proposal was officially withdrawn.

这条规则时不时地突然出现，但再也没有被认真考虑过。最终于2024年8月19日，整个提案被正式撤回。

Another proposal from FinCEN – also from the tail end of 2020 – remains alive. This proposal would implement the Travel Rule, a Financial Action Task Force regime that looks to take on money laundering via crypto by having financial institutions report personal information for the senders and receivers of transactions over a certain limit.

FinCEN 的另一项提案（同样是在 2020 年底）仍然有效。该提案将实施旅行规则，这是一个金融行动特别工作组制度，旨在通过让金融机构报告超过一定限额的交易发送者和接收者的个人信息来通过加密货币进行洗钱。

The original 2020 proposal set the limit at $250, well below the $3,000 threshold currently set for similar financial reporting, but this week’s notice did not mention any adjustment to the threshold.

2020 年最初的提案将限额设定为 250 美元，远低于目前为类似财务报告设定的 3,000 美元门槛，但本周的通知并未提及对门槛的任何调整。