柬埔寨允許穩定幣服務並獲得 NBC 批准，但比特幣仍然被禁止

此舉旨在整合安全的加密貨幣。柬埔寨國家銀行（NBC）在加密貨幣領域邁出了重大一步。 NBC 首次表示將允許商業銀行和支付機構提供與 1 類加密資產相關的服務。

Cambodia has taken a significant step in the cryptocurrency domain with the National Bank of Cambodia (NBC) announcing that commercial banks and payment institutions will be permitted to offer services related to Category 1 crypto assets, subject to NBC approval. These crypto assets are defined as secured or stable cryptocurrencies, such as stablecoins. Notably, however, unsecured cryptocurrencies, including Bitcoin, remain prohibited.

柬埔寨在加密貨幣領域邁出了重要一步，柬埔寨國家銀行 (NBC) 宣布，經 NBC 批准，商業銀行和支付機構將被允許提供與 1 類加密資產相關的服務。這些加密資產被定義為安全或穩定的加密貨幣，例如穩定幣。然而值得注意的是，包括比特幣在內的無擔保加密貨幣仍然被禁止。

The NBC disclosed the decision in a prakas issued on December 26, which governs the use of digital currencies in the country. This move highlights Cambodia's efforts to integrate digital currencies within its financial system, while addressing concerns regarding security and regulation.

NBC 在 12 月 26 日發布的部長令中披露了這一決定，該部長令負責管理該國數位貨幣的使用。此舉凸顯了柬埔寨將數位貨幣納入其金融體系的努力，同時解決了有關安全和監管的擔憂。

Cryptocurrencies, also known as digital currencies, are not controlled by central banks and instead operate through decentralized networks called blockchains. These currencies have gained traction worldwide and are used for trading, transfers, payments, and investments, enabling users to purchase goods and services online.

加密貨幣，也稱為數位貨幣，不受中央銀行控制，而是透過稱為區塊鏈的去中心化網路運作。這些貨幣在全球範圍內受到關注，用於交易、轉帳、支付和投資，使用戶能夠在線上購買商品和服務。

Commercial Banks Permitted to Offer Crypto Services in Cambodia

商業銀行獲准在柬埔寨提供加密貨幣服務

The new directive mandates that any commercial bank or payment institution seeking to provide cryptocurrency services must obtain approval from the National Bank of Cambodia. Upon receiving authorization, these institutions will be permitted to trade crypto assets for fiat currencies.

新指令要求任何尋求提供加密貨幣服務的商業銀行或支付機構必須獲得柬埔寨國家銀行的批准。獲得授權後，這些機構將被允許將加密資產換成法定貨幣。

Furthermore, they can transfer crypto tokens between accounts and provide custody services, but they are prohibited from utilizing customers' crypto assets for their own benefit.

此外，他們可以在帳戶之間轉移加密代幣並提供託管服務，但禁止他們利用客戶的加密資產謀取自身利益。

It's important to note that Cambodia previously banned cryptocurrency transactions and trading, with the government citing concerns over the high risks of money laundering, fraud, and activities in the black market.

值得注意的是，柬埔寨先前禁止加密貨幣交易和交易，政府擔心洗錢、詐欺和黑市活動的高風險。

An economic researcher at the Royal Academy of Cambodia, Hong Vanak, highlighted the expanding role of cryptocurrencies, which are now used not only for payments but also for other purposes. Given their volatile prices, they are also traded like stocks. However, Vanak noted that cryptocurrencies contribute little to Cambodia's economy due to their decentralized nature, which makes them difficult for the government to tax, regulate, or track ownership.

柬埔寨皇家科學院經濟研究員 Hong Vanak 強調了加密貨幣日益擴大的作用，加密貨幣現在不僅用於支付，還用於其他目的。鑑於其價格波動，它們也像股票一樣進行交易。然而，瓦納克指出，由於加密貨幣的去中心化性質，加密貨幣對柬埔寨經濟貢獻甚微，這使得政府難以對其徵稅、監管或追蹤所有權。

Despite these challenges, Vanak stated that banks and crypto service providers could still generate profits by offering exchange and custody services, which would allow them to collect revenue through user fees.

儘管存在這些挑戰，瓦納克表示，銀行和加密服務提供者仍然可以透過提供交易和託管服務來產生利潤，這將使他們能夠透過用戶費用來收取收入。

In conclusion, the NBC has opened the door to stablecoin services in Cambodia, while Bitcoin and other unbacked cryptocurrencies are still banned. This marks a significant step as Cambodia integrates digital currencies into its financial system.

總而言之，NBC 已經為柬埔寨的穩定幣服務敞開了大門，而比特幣和其他無支援的加密貨幣仍然被禁止。這標誌著柬埔寨將數位貨幣納入其金融體系的重要一步。