非洲加密貨幣監管狀況：逐國分析

近年來，在獨特的經濟挑戰和技術創新的共同推動下，加密貨幣在非洲的採用經歷了顯著增長。

INPUT: Cryptocurrency adoption in Africa has experienced remarkable growth in recent years, driven by a combination of unique economic challenges and technological innovation.

輸入：近年來，在獨特的經濟挑戰和技術創新的共同推動下，加密貨幣在非洲的採用經歷了顯著增長。

The continent has become a hotspot for crypto activity, with countries like Nigeria, Kenya, and South Africa leading the way in trading volumes, peer-to-peer transactions, and blockchain-based solutions. For many Africans, cryptocurrency offers a lifeline in navigating issues such as inflation, limited access to traditional banking, and the high cost of cross-border remittances.

非洲大陸已成為加密貨幣活動的熱點，尼日利亞、肯亞和南非等國家在交易量、點對點交易和基於區塊鏈的解決方案方面處於領先地位。對許多非洲人來說，加密貨幣為解決通貨膨脹、傳統銀行業務有限以及跨境匯款成本高昂等問題提供了生命線。

The rise of digital currencies has sparked debates on balancing innovation with consumer protection, addressing financial crimes, and fostering economic growth.

數位貨幣的興起引發了關於平衡創新與消費者保護、解決金融犯罪和促進經濟成長的辯論。

This article examines the current state of crypto regulation in Africa, highlighting the countries that have active legal regimes allowing crypto activity at the end of 2024.

本文探討了非洲加密貨幣監管的現狀，重點介紹了在 2024 年底擁有允許加密貨幣活動的有效法律制度的國家。

 

 

1.) South Africa

1.) 南非

South Africa has established itself as a frontrunner in cryptocurrency regulation on the African continent.

南非已成為非洲大陸加密貨幣監管的領跑者。

In October 2022, the Financial Sector Conduct Authority (FSCA) classified crypto assets as ‘financial products’ under the Financial Advisory and Intermediary Services Act, requiring Crypto Asset Service Providers (CASPs) to obtain licenses.

2022 年 10 月，金融部門行為監理局 (FSCA) 根據《金融諮詢與中介服務法》將加密資產歸類為“金融產品”，要求加密資產服務提供者 (CASP) 取得許可證。

🇿🇦REGULATION | FSCA Approves 20 More Crypto Asset Service Providers (CASPs)

🇿🇦監理 | FSCA 批准了另外 20 家加密資產服務提供者 (CASP)

The Financial Sector Conduct Authority (FSCA) has approved twenty (20) more applications for rendering crypto asset services in South Africa.

金融部門行為監理局 (FSCA) 已批准另外二十 (20) 份在南非提供加密資產服務的申請。

This brings… pic.twitter.com/011000330I

這帶來了… pic.twitter.com/011000330I

— BitKE (@BitcoinKE) December 1, 2024

— BitKE (@BitcoinKE) 2024 年 12 月 1 日

By late 2024, the FSCA had approved 248 CASP licenses, following rigorous evaluations of applicants’ security measures, governance, and anti-money laundering (AML) capabilities.

在對申請人的安全措施、治理和反洗錢 (AML) 能力進行嚴格評估後，截至 2024 年底，FSCA 已批准 248 個 CASP 許可證。

🇿🇦REGULATION | South Africa Has Now Approved 248 Crypto Providers Out of 420 Received So Far, Only 9 Applications Rejected

🇿🇦監理 |迄今為止，南非已收到 420 家加密貨幣提供商，其中已批准 248 家，僅 9 家申請被拒絕

This post identifies two key areas that resulted from applications getting rejected by the FSCA.https://t.co/9osgvhErjt @fscasouthafrica pic.twitter.com/2fvVgBZoty

這篇文章指出了申請被 FSCA 拒絕的兩個關鍵領域。

— Bitcoin Kenya (@BitcoinKE) December 16, 2024

— 比特幣肯亞 (@BitcoinKE) 2024 年 12 月 16 日

Further strengthening oversight, the country’s Financial Intelligence Centre Act was amended to include CASPs as accountable institutions, mandating compliance with AML regulations, customer due diligence, and suspicious transaction reporting. This proactive approach has legitimized the crypto industry, encouraging traditional financial institutions to engage with digital assets and creating a secure, integrated financial ecosystem.

為了進一步加強監管，該國的《金融情報中心法》進行了修訂，將 CASP 納入問責機構，要求遵守反洗錢法規、客戶盡職調查和可疑交易報告。這種積極主動的做法使加密貨幣產業合法化，鼓勵傳統金融機構參與數位資產並創建一個安全、整合的金融生態系統。

South Africa’s comprehensive regulatory framework has served as a benchmark for other African nations, showcasing how clear policies can promote innovation while safeguarding financial stability.

南非的全面監管框架成為其他非洲國家的基準，展示了明確的政策如何在促進創新的同時維護金融穩定。

 

 

2.) Mauritius

2.) 模里西斯

Mauritius has established itself as a forward-thinking jurisdiction in the regulation of virtual assets and related services. The enactment of the Virtual Asset and Initial Token Offering Services (VAITOS) Act on February 7 2022 marked a significant milestone in the country’s efforts to provide a comprehensive regulatory framework for the virtual asset industry.

毛里求斯已成為虛擬資產及相關服務監管方面具有前瞻性的司法管轄區。 2022 年 2 月 7 日頒布的《虛擬資產和首次代幣發行服務 (VAITOS) 法案》標誌著該國為虛擬資產產業提供全面監管框架的努力中的一個重要里程碑。

 

Key Features of the VAITOS Act

VAITOS 法案的主要特點

Mauritius does not impose capital gains tax; therefore, gains from the disposal of crypto assets are generally exempt from taxation. However, if such gains are considered as trading profits, they may be subject to income tax. The classification depends on the nature of the transactions and the intent behind holding the assets.

毛里求斯不徵收資本利得稅；因此，處置加密資產的收益通常是免稅的。然而，如果此類收益被視為交易利潤，則可能需要繳納所得稅。分類取決於交易的性質和持有資產背後的意圖。

 

3.) Namibia

3.) 納米比亞

On July 25 2023, Namibia enacted the Virtual Assets Act 2023, signaling a pivotal shift towards the regulation of virtual assets and service providers.

2023 年 7 月 25 日，納米比亞頒布了《2023 年虛擬資產法》，標誌著對虛擬資產和服務提供者的監管發生了關鍵轉變。

REGULATION | The Namibian 🇳🇦 Government Officially Gazzettes the Virtual Assets Act 2023 into Law to Regulate Virtual Asset Service Providers

監管 |納米比亞🇳🇦政府正式將《2023年虛擬資產法》公佈為監管虛擬資產服務提供者的法律

The Namibia Virtual Assets Bill is now a law after its gazzettment. Namibia now joins South Africa 🇿🇦 and Nigeria 🇳耆as the African… pic.twitter.com/yoJZxzofd2

納米比亞虛擬資產法案在公報公佈後現已成為法律。納米比亞現在加入南非🇿🇦和尼日利亞🇳耆的行列，成為非洲… pic.twitter.com/yoJZxzofd2

— Bitcoin Kenya (@BitcoinKE) July 27, 2023

— 比特幣肯亞 (@BitcoinKE) 2023 年 7 月 27 日

The Act, which was the 3rd of its kind in Africa, mandated that Virtual Asset Service Providers (VASPs) obtain licenses to operate within Namibia, ensuring compliance with established standards.

該法案是非洲第三部此類法案，規定虛擬資產服務提供者 (VASP) 必須獲得在納米比亞境內運作的許可證，以確保遵守既定標準。

The Act provisioned a designated Regulatory Authority tasked with overseeing and supervising VASPs and related activities, aiming to ensure consumer protection and the integrity of the financial system.

該法案規定了一個指定的監管機構，負責監督和監督 VASP 及相關活動，旨在確保消費者保護和金融體系的完整性。

Previously in 2017, the Bank of Namibia issued a position paper declaring that virtual currencies were not recognized as legal tender and prohibiting their use for payment of goods and services. Additionally, the establishment of cryptocurrency exchanges was deemed illegal under the Exchange Control Regulations of 1961.

先前在2017年，納米比亞銀行發布了一份立場文件，宣布虛擬貨幣不被視為法定貨幣，並禁止其用於支付商品和服務。此外，根據 1961 年《外匯管制條例》，建立加密貨幣交易所被視為非法。

 

 

4.) Seychelles

4.) 塞席爾

Seychelles is one of the leading countries for crypto entrepreneurs with blockchain startups in the country having received the most venture capital in 2023.

塞席爾是加密貨幣企業家的領先國家之一，該國區塊鏈新創公司在 2023 年獲得了最多的風險投資。

🇸🇨REPORT | Seychelles Accounted

🇸🇨報告 |塞席爾會計