只要有嚴格的官僚主義監督，阿聯酋就會歡迎採用加密貨幣

阿聯酋區塊鏈戰略2021通過計劃將一半的政府交易轉移到區塊鏈技術中，從而確定了一個巨大的目標。

Crypto adoption in the United Arab Emirates (UAE) is welcomed as long as there is strict bureaucratic oversight. But this framework is different from one jurisdiction to another from Dubai, Abu Dhabi or the Mainland of UAE. This flexible approach has attracted other major exchanges and blockchain businesses.

只要有嚴格的官僚主義監督，在阿拉伯聯合酋長國（阿聯酋）採用加密貨幣。但是，該框架與來自迪拜，阿布扎比或阿聯酋大陸的另一個司法管轄區與另一個司法管轄區不同。這種靈活的方法吸引了其他主要交易所和區塊鏈業務。

Together, these factors have made the UAE a crypto hub. All businesses and investors should grasp how these rules change between different geographic regions since they also differ in their compliance standards and tax structures along with their licensing requirements. SCA represents the premier regulatory body while VARA (Virtual Assets Regulatory Authority) administers in Dubai alongside Dubai Financial Services Authority (DFSA) which operates within Dubai International Financial Centre (DIFC) and Financial Services Regulatory Authority (FSRA) works in Abu Dhabi Global Market (ADGM).

這些因素在一起使阿聯酋成為加密樞紐。所有企業和投資者都應掌握這些規則在不同地理區域之間如何改變，因為它們在合規標準和稅收結構以及許可要求上也有所不同。 SCA代表了最重要的監管機構，而VARA（虛擬資產監管機構）在迪拜以及迪拜金融服務管理局（DFSA）以及在迪拜國際金融中心（DIFC）和金融服務監管局（FSRA）在Abu Dhabi Global Market（ADGM）中運營的迪拜金融服務管理局（DFSA）。

>Examining the Historical Context of Crypto in the UAE

>檢查阿聯酋加密貨幣的歷史背景

There was little outright ban of cryptocurrency in the UAE and the country took a cautious stance. Over time, its position evolved.

阿聯酋幾乎沒有完全禁止加密貨幣，該國採取了謹慎的立場。隨著時間的流逝，其位置不斷發展。

The Emirates Blockchain Strategy 2021 had a big target by planning to move half of government transactions to blockchain technology. VARA started operations in 2022 when Dubai Law No. 4 created it as the first virtual asset regulator in the Middle East. Following their initial stand, the UAE leaders adopted clear rules, which resulted in people starting to use cryptocurrencies more.

2021年阿聯酋區塊鏈戰略實現了一個巨大的目標，即計劃將一半的政府交易轉移到區塊鏈技術上。瓦拉（Vara）於2022年開始運營，當時迪拜第四號法律將其創建為中東第一個虛擬資產調節器。在最初的立場之後，阿聯酋領導人採用了明確的規則，這導致人們開始使用加密貨幣。

Examining the Regulatory Framework in Detail

詳細檢查監管框架

Economic activity in the UAE is regulated based on jurisdiction:

阿聯酋的經濟活動受管轄權的監管：

* Mainland UAE (Securities and Commodities Authority – SCA): Recognizes crypto as electronic records of value. One also requires licensing for exchanges and wallet services. AML rules are strict.

*阿聯酋大陸（證券和商品管理局 - SCA）：將加密貨幣視為價值的電子記錄。一個人還需要交換和錢包服務的許可。 AML規則是嚴格的。

* Dubai (Virtual Assets Regulatory Authority – VARA): Regulates VASPs. The largest amounts of licensing fees range between AED 40,000 to AED 100,000. Specifies activities such as custody, exchange and brokering.

*迪拜（虛擬資產監管機構 - VARA）：調節VASP。許可費的最多範圍在40,000迪拉克至100,000迪拉克之間。指定諸如監護，交換和經紀等活動。

* Dubai International Financial Centre (Dubai Financial Services Authority – DFSA): allows investing of institutional money in approved tokens, such as Bitcoin, Ethereum, XRP, Toncoin.

*迪拜國際金融中心（迪拜金融服務局 - DFSA）：允許在批准的代幣中投資機構資金，例如比特幣，以太坊，XRP，Toncoin。

The licenses have fees ranging from $2,000 to $70,000.

許可證的費用從2,000美元到70,000美元不等。

* Abu Dhabi Global Market (Financial Services Regulatory Authority – FSRA): Provides licenses to qualified firms. Tokens are categorized by their function and, as such, AML compliance is mandatory.

*阿布扎比全球市場（金融服務監管機構 - FSRA）：向合格公司提供許可證。令牌按其功能進行分類，因此，AML合規性是必須的。

AML/KYC rules are applicable in all of the zones. To deal with the Travel Rule by the Financial Action Task Force (FATF), businesses must appoint experienced Money Laundering Reporting Officers (MLROs), keep records for 8 years, and follow the rule for transactions above AED 3,500.

AML/KYC規則適用於所有區域。為了處理金融行動工作組（FATF）的旅行規則，企業必須任命經驗豐富的洗錢報告官員（MLRO），保留記錄8年，並遵循以上3500迪拉士的交易規則。

Crypto earnings are not taxed by capital gains or income tax in Dubai. It is the SCA who regulates ICOs as securities. Also, STOs have to undergo a series of strict disclosure requirements.

加密貨幣收入不受迪拜的資本利得或所得稅徵稅。是SCA將ICO作為證券進行監管。此外，STOS必須經歷一系列嚴格的披露要求。

Discussing Key Crypto Policies in the UAE

討論阿聯酋的關鍵加密政策

The UAE actually pushes crypto use for both personal or business use, especially in Dubai and its financial free zones. Binance, Bybit, OKX and Kraken are major exchanges that work legally.

阿聯酋實際上將加密貨幣用於個人或商業用途，尤其是在迪拜及其無財務區域。 Binance，Bybit，Okx和Kraken是合法運作的主要交流。

However, crypto mining is not explicitly outlawed (since there are no dedicated laws on crypto mining) and it is mostly carried out within free zones. While the government doesn’t promote it heavily, there aren’t any bans.

但是，加密開採並未明確取締（因為沒有關於加密礦山開采的專門法律），並且大部分是在自由區域內進行的。儘管政府沒有大力推廣它，但沒有任何禁令。

UAE officially joined the mBridge initiative in January 2024 and made its first cross-border CBDC transaction by moving AED 50 million with China, Hong Kong and Thailand.

阿聯酋於2024年1月正式加入了姆布里奇倡議，並通過與中國，香港和泰國搬遷5000萬迪拉姆進行了跨境CBDC交易。

Failing to adhere to the regulations may lead to fines, temporary closure or loss of a license.

不遵守法規可能會導致罰款，臨時關閉或丟失許可證。

Sandboxes for blockchain business, such as Dubai International Financial Centre (DIFC), Abu Dhabi Global Market (ADGM), and Ras Al Khaimah Digital Assets Oasis (RAK Digital Assets Oasis) serve to foster innovation in UAE.

迪拜國際金融中心（DIFC），阿布扎比全球市場（ADGM）和Ras Al Khaimah數字資產OASIS OASIS（RAK Digital Assets OASIS）等區塊鏈業務的沙盒可在阿聯酋促進創新。

In the retail and tourism sectors, especially in Dubai, crypto is slowly making way. From making digital payments at business, to the growth of Web3 firms worldwide.

在零售和旅遊部門，尤其是在迪拜，加密貨幣正在慢慢上路。從在業務上進行數字付款，到全球Web3公司的增長。

The government has initiatives that support blockchain development, like the Emirates Blockchain Strategy or partnerships like that with the HBAR Foundation.

政府採取了支持區塊鏈開發的舉措，例如阿聯酋區塊鏈戰略或與HBAR基金會這樣的伙伴關係。

Notable Challenges and Issues

顯著的挑戰和問題

An ongoing challenge is inconsistency in regulations between emirates. Some other areas don’t have a high degree of clarity, while ADGM and DIFC have more mature sets of rules.

持續的挑戰是阿聯酋之間的法規不一致。其他一些領域沒有高度的清晰度，而ADGM和DIFC具有更多成熟的規則。

AML and KYC compliance is still difficult owing to decentralized platforms and anonymous transactions.

由於分散的平台和匿名交易，AML和KYC合規性仍然很困難。

Existing crypto perceptions among the public are generally positive. Trust is above all strengthened by government support, but traditional institutions are cautious.

公眾中現有的加密看法通常是積極的。首先，政府支持加強了信任，但傳統機構謹慎。

Future Outlook and Key Regulatory Trends

未來的前景和關鍵監管趨勢

In 2023, Cabinet Resolution No. (111) was issued to implement consistent licensing standards of VASPs in the UAE.

2023年，發出了內閣決議（111），以實施阿聯酋中VASP的一致許可標準。

Additionally, the same year tokens like Ton

此外，同年像Ton這樣的代幣