澳洲提出針對交易所、房地產、法律服務的新加密貨幣法規

澳洲推出了一套新規則，希望能夠幫助更好地打擊長期以來困擾加密產業的金融犯罪。

Australia is proposing stricter crypto rules to combat financial crime

澳洲提出更嚴格的加密貨幣規則以打擊金融犯罪

Australia has proposed new rules to strengthen its fight against financial crimes, particularly those involving cryptocurrencies. The proposals were put forward by the Australian Transaction Reports and Analysis Centre (AUSTRAC) as part of broader efforts to update the country's Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) Act.

澳洲提出了新規則，以加強打擊金融犯罪，特別是涉及加密貨幣的金融犯罪。這些提案由澳洲交易報告和分析中心 (AUSTRAC) 提出，作為更新該國反洗錢和反恐融資 (AML/CTF) 法案的更廣泛努力的一部分。

The AML/CTF Act was amended and passed by Parliament in November, and AUSTRAC's draft rules aim to introduce stricter compliance measures for businesses operating in high-risk sectors, such as crypto exchanges, real estate, legal services and other businesses that may easily evade proper checks and oversight.

議會於11 月修訂並通過了《反洗錢/反恐怖主義融資法案》，AUSTRAC 的規則草案旨在對在高風險行業運營的企業引入更嚴格的合規措施，例如加密貨幣交易所、房地產、法律服務和其他可能容易逃避的企業適當的檢查和監督。

According to AUSTRAC, it is currently seeking public consultation on the new framework, with feedback to be accepted until February 2025.

據 AUSTRAC 稱，目前正在就新框架徵求公眾意見，反饋意見將於 2025 年 2 月之前接受。

Key Changes in Proposal

提案的主要變化

Australia is proposing changes like stricter customer due diligence (CDD) requirements, which will mandate businesses to verify customer identities using risk-based processes. Companies will also be required to monitor transactions for suspicious activity and maintain greater transparency in cross-border transfers of assets.

澳洲正在提議進行更嚴格的客戶盡職調查（CDD）要求等改革，這將要求企業使用基於風險的流程來驗證客戶身分。公司還將被要求監控可疑活動的交易，並保持跨境資產轉移的更大透明度。

Under these new rules, reporting obligations also take up a new shape. Now, businesses must ensure that they keep detailed records of their operations.

根據這些新規則，報告義務也採取了新的形式。現在，企業必須確保保留詳細的營運記錄。

There is also an outcomes-based compliance model that this new framework proposes. This means that businesses are subjected to varying degrees of compliance as their size, structure, and risk profiles dictate. By doing this, regulatory standards are kept at their highest without necessarily burdening some firms more than others.

這個新框架也提出了一個基於結果的合規模型。這意味著企業因其規模、結構和風險狀況而受到不同程度的合規性約束。透過這樣做，監管標準可以保持在最高水平，而不必給某些公司帶來比其他公司更大的負擔。

Finally, the proposal also includes updates to existing rules, such as the AML/CTF General Rule 2025 and the AML/CTF (Exemptions) Rule 2007. The goal of this is to retain as much as possible relevant exemptions and throw out those requirements that may not apply in today’s world.

最後，該提案還包括現有規則的更新，例如《2025 年AML/CTF 通用規則》和《2007 年AML/CTF（豁免）規則》。拋棄那些要求可能不適用於當今世界。

Growing Concerns Over the Illicit Use of Crypto in Australia

對澳洲非法使用加密貨幣的擔憂日益加劇

It might be worth noting that AUSTRAC's move to tighten regulations did not just come out of the blue. Now more than ever, Australia has identified an urgent need to address the misuse of cryptocurrency within its borders. Hence, the decision by AUSTRAC to step up its efforts in that regard.

值得注意的是，AUSTRAC 收緊監管的舉措並非突然出現。現在，澳洲比以往任何時候都更迫切地需要解決其境內加密貨幣的濫用問題。因此，AUSTRAC 決定加大這方面的努力。

On December 6, AUSTRAC announced the creation of a task force to oversee crypto ATM providers. These machines, often targeted by criminals for their shady businesses, are now under intensified scrutiny. The task force has now been saddled with the responsibility of ensuring that these providers meet minimum compliance standards.

12 月 6 日，AUSTRAC 宣布成立一個工作小組來監督加密 ATM 提供者。這些機器經常因其不正當的業務而成為犯罪分子的目標，現在正受到嚴格的審查。這個工作小組現在肩負著確保這些提供者滿足最低合規標準的責任。

Generally, Australia is keen on strengthening its financial regulatory framework, which can not be done without addressing the loopholes in the crypto sector. As a result, the government is now urging stakeholders, including financial institutions and crypto firms, to provide valuable input during this consultation period to help shape the final regulations.

總的來說，澳洲熱衷於加強其金融監管框架，如果不解決加密貨幣領域的漏洞就無法做到這一點。因此，政府現在敦促包括金融機構和加密貨幣公司在內的利益相關者在諮詢期間提供寶貴的意見，以幫助制定最終法規。

Mayowa is a crypto enthusiast/writer whose conversational character is quite evident in his style of writing. He strongly believes in the potential of digital assets and takes every opportunity to reiterate this. He's a reader, a researcher, an astute speaker, and also a budding entrepreneur. Away from crypto however, Mayowa's fancied distractions include soccer or discussing world politics.

Mayowa 是一位加密貨幣愛好者/作家，其對話特徵在他的寫作風格中非常明顯。他堅信數位資產的潛力，並利用一切機會重申這一點。他是一位讀者、一位研究員、一位精明的演說家，也是一位嶄露頭角的企業家。然而，除了加密貨幣之外，梅奧瓦喜歡的消遣包括足球或討論世界政治。

Mayowa Adebajo on X

梅約瓦·阿德巴霍 X

Julia Sakovich on X

茱莉亞薩科維奇談《X》