巴基斯坦國家銀行發佈建議，敦促民眾不要參與加密貨幣

巴基斯坦國家銀行（SBP）發佈公告，敦促民眾不要參與加密貨幣，並強調這些虛擬貨幣在巴基斯坦不被視為法定貨幣。

Karachi, November 24, 2024 – The State Bank of Pakistan (SBP) has issued an advisory urging the general public to refrain from engaging in cryptocurrencies, emphasizing that these virtual currencies are not recognized as legal tender in Pakistan.

卡拉奇，2024 年 11 月 24 日 – 巴基斯坦國家銀行 (SBP) 發佈公告，敦促公眾不要參與加密貨幣，並強調這些虛擬貨幣在巴基斯坦不被視為法定貨幣。

The SBP clarified that Virtual Currencies/Coins/Tokens (e.g., Bitcoin, Litecoin, Pakcoin, OneCoin, DasCoin, Pay Diamond, etc.) are neither legally recognized nor has the SBP authorized or licensed any individual or entity to issue, sell, purchase, exchange, or invest in such virtual assets in Pakistan. Moreover, banks, Development Finance Institutions (DFIs), Microfinance Banks, and Payment System Operators/Payment Service Providers (PSOs/PSPs) have been directed, via BPRD’s Circular No. 03 of 2018, not to facilitate customers in transactions involving Virtual Currencies, Initial Coin Offerings (ICOs), or Tokens.

SBP 澄清，虛擬貨幣/硬幣/代幣（例如比特幣、萊特幣、Pakcoin、OneCoin、DasCoin、Pay Diamond 等）既未獲得法律認可，也未獲得 SBP 授權或許可任何個人或實體發行、出售、購買在巴基斯坦購買、交換或投資此類虛擬資產。此外，BPRD 2018 年第 03 號通知指示銀行、開發金融機構 (DFI)、小額信貸銀行和支付系統運營商/支付服務提供商 (PSO/PSP) 不得為涉及虛擬貨幣的客戶提供便利，首次代幣發行（ICO）或代幣。

The SBP warned that Virtual Currencies/Coins/Tokens, due to their high level of anonymity, could potentially be exploited for illegal activities. Furthermore, the ambiguous nature of these currencies offers no legal protection or recourse in cases of financial losses stemming from:

SBP 警告稱，虛擬貨幣/硬幣/代幣由於其高度匿名性，可能會被用於非法活動。此外，這些貨幣的模糊性在以下原因造成的財務損失時無法提供法律保護或追索權：

a) High price volatility: Investments in Virtual Currencies are extremely unstable and speculative.

a) 價格波動性大：虛擬貨幣投資極不穩定且具投機性。

b) Failure or closure of exchanges/businesses: This includes closures due to law enforcement actions.

b) 交易所/企業失敗或關閉：這包括因執法行動而關閉。

c) Hacking or security breaches: Several global instances have shown significant losses resulting from the hacking or compromise of cryptocurrency exchanges and wallet businesses.

c) 駭客攻擊或安全漏洞：全球多個實例顯示，加密貨幣交易所和錢包業務遭到駭客攻擊或破壞而造成重大損失。

The SBP also highlighted the risk of pyramid-style investment schemes and fraudulent coins promising high returns, similar to Ponzi schemes, which pose a significant financial risk to the public in Pakistan.

SBP也強調了金字塔式投資計劃和承諾高回報的欺詐性硬幣的風險，類似於龐氏騙局，這對巴基斯坦公眾構成了重大金融風險。

The central bank emphasized that domestic and international payment and money transfer services in Pakistan are regulated by the SBP under applicable laws. No entity has been licensed or authorized by the SBP to offer money remittance services or products using Virtual Currencies/Coins/Tokens. Individuals using such assets to transfer value outside Pakistan may face prosecution under relevant laws.

央行強調，巴基斯坦的國內和國際支付和匯款服務由 SBP 根據適用法律進行監管。沒有任何實體獲得 SBP 許可或授權使用虛擬貨幣/硬幣/代幣提供匯款服務或產品。根據相關法律，使用此類資產將價值轉移到巴基斯坦境外的個人可能會面臨起訴。

In light of these concerns, the SBP advises the public to exercise caution and avoid involvement in mining, trading, exchanging, transferring value, promoting, or investing in Virtual Currencies/Coins/Tokens. This measure aims to help the public avoid potential financial losses and legal consequences.

鑑於這些擔憂，SBP 建議大眾謹慎行事，避免參與虛擬貨幣/硬幣/代幣的採礦、交易、交換、價值轉移、推廣或投資。該措施旨在幫助公眾避免潛在的經濟損失和法律後果。