愛沙尼亞透過對服務提供者的全面監管來打擊加密貨幣

愛沙尼亞通過了一項法案，對數位資產服務提供者提出了嚴格的法律要求。該立法旨在加強行業監管，增強其可信度，並保護投資者免受網路盜竊和企業倒閉的影響。服務提供者將面臨金融監理局的財務監管，違規行為的罰款將增加至 500 萬歐元。

Estonia Tightens Crypto Regulation with Stringent Requirements for Service Providers

愛沙尼亞加強加密貨幣監管，對服務提供者提出嚴格要求

In a major step towards regulating the digital asset industry, Estonia's government has approved groundbreaking legislation imposing stringent legal requirements on digital asset service providers. This move is part of Estonia's broader strategy to bolster the trustworthiness and stability of the cryptocurrency sector within its borders.

愛沙尼亞政府批准了一項開創性的立法，對數位資產服務提供者提出嚴格的法律要求，這是監管數位資產行業的重要一步。此舉是愛沙尼亞更廣泛策略的一部分，旨在增強其境內加密貨幣產業的可信度和穩定性。

Estonia has long been a hub for cryptocurrency service providers, with estimates suggesting that nearly half of the world's crypto businesses were registered in the country in 2021. However, in recent years, regulatory efforts have reduced this number significantly, with only around 50 companies remaining under the supervision of the Financial Intelligence Unit (FIU) as of 2024.

愛沙尼亞長期以來一直是加密貨幣服務提供者的中心，據估計，到2021 年，全球近一半的加密貨幣企業將在該國註冊。然而，近年來，監管努力已大幅減少這一數字，只剩下約50 家公司自 2024 年起接受金融情報機構 (FIU) 的監管。

The newly approved legislation introduces a fundamental shift in the regulatory landscape for crypto service providers in Estonia. It subjects these entities to financial supervision for the first time, placing their responsibilities on par with those of traditional banks.

新批准的立法為愛沙尼亞加密服務提供者的監管環境帶來了根本性轉變。它首次將這些實體置於金融監管之下，並將其職責置於與傳統銀行同等的地位。

"The new regulation will significantly enhance the security and reliability of the crypto sector in Estonia," said Matis Mäeker, the head of FIU. "Crypto service providers will now be required to implement robust asset management systems, ensuring the protection of investor funds."

金融情報機構負責人 Matis Mäeker 表示：“新法規將顯著提高愛沙尼亞加密貨幣行業的安全性和可靠性。” “加密服務提供者現在需要實施強大的資產管理系統，以確保投資者資金的保護。”

Beginning in 2026, crypto service providers will come under the oversight of the Financial Supervision Authority (FSA) of Estonia. The FSA will be responsible for issuing regulatory licenses to these companies, starting in 2025. Existing entities holding FIU licenses must apply for the new licenses by 2026.

從 2026 年開始，加密服務提供者將接受愛沙尼亞金融監管局（FSA）的監管。自 2025 年起，FSA 將負責向這些公司頒發監管許可證。持有金融情報機構許可證的現有實體必須在 2026 年之前申請新許可證。

The legislation also introduces stricter operational and reporting standards for crypto businesses. Failure to comply can result in substantial fines of up to €5 million—a significant increase from the previous €40,000 limit under the Anti-Money Laundering Act.

該立法還為加密貨幣業務引入了更嚴格的營運和報告標準。不遵守規定可能會導致高達 500 萬歐元的巨額罰款，這比《反洗錢法》之前規定的 40,000 歐元的限額大幅增加。

This regulatory overhaul is a direct response to several high-profile cyber thefts and business failures in Estonia's crypto sector, which have led to substantial losses for investors. By bringing crypto service providers under the FSA's supervision, the government aims to mitigate these risks and provide enhanced protection for digital asset holders.

這項監管改革是對愛沙尼亞加密貨幣產業幾起備受矚目的網路竊盜和商業失敗的直接回應，這些事件導致投資者遭受重大損失。透過將加密服務提供者置於英國金融服務管理局的監管之下，政府旨在減輕這些風險並為數位資產持有者提供更強的保護。

The new framework underscores Estonia's commitment to both fostering financial innovation and ensuring market stability. The country has long been a pioneer in the digital asset space and this legislation further demonstrates its dedication to creating a safe and secure environment for the cryptocurrency industry.

新框架強調了愛沙尼亞對促進金融創新和確保市場穩定的承諾。該國長期以來一直是數位資產領域的先驅，這項立法進一步表明了其致力於為加密貨幣行業創造安全可靠的環境的決心。

As Estonia's crypto regulatory regime evolves, it will be closely watched by other countries grappling with the challenges of regulating this rapidly growing and complex sector. The Estonian government's approach, balancing innovation and investor protection, could serve as a model for other jurisdictions seeking to strike a similar balance.

隨著愛沙尼亞加密貨幣監管制度的發展，它將受到其他國家的密切關注，這些國家正在努力應對監管這個快速成長且複雜的行業的挑戰。愛沙尼亞政府平衡創新和投資者保護的做法可以作為其他司法管轄區尋求類似平衡的典範。