愛沙尼亞開始進行加密貨幣監管改革：新法律旨在加強反洗錢並與歐盟標準保持一致

愛沙尼亞政府批准了一項新法律來監管加密貨幣服務提供商，該法律將把監管權從金融情報機構（FIU）轉移到金融監管局（FSA）。在金融情報機構註冊的數位資產服務提供者需要在 2024 年底前向英國金融服務管理局申請新的許可證。該法律旨在加強反洗錢法規，並與即將出台的歐盟加密資產法規保持一致。

Crypto Regulation in Estonia: A New Dawn

愛沙尼亞的加密貨幣監管：新的黎明

Will Estonia's New Crypto Law Streamline Regulations?

愛沙尼亞的新加密法會簡化監管嗎？

Estonia, a pioneer in digital asset adoption, is poised to overhaul its cryptocurrency regulation landscape. A new bill, currently under review by the Estonian parliament, aims to strengthen anti-money laundering (AML) measures and enhance the country's regulatory framework for crypto assets.

愛沙尼亞是數位資產採用的先驅，準備徹底改革其加密貨幣監管格局。愛沙尼亞議會目前正在審查一項新法案，旨在加強反洗錢（AML）措施並加強該國對加密資產的監管框架。

New Licensing Regime: A Fresh Start for Crypto Providers

新的許可證制度：加密貨幣提供者的新開始

Under the proposed legislation, the Financial Supervision Authority (FSA) will assume regulatory oversight of digital asset service providers, replacing the Financial Intelligence Unit (FIU). Existing providers registered with the FIU will need to apply for new licenses from the FSA before the end of next year.

根據擬議的立法，金融監理局（FSA）將取代金融情報機構（FIU），並承擔對數位資產服務提供者的監管監督。在金融情報機構註冊的現有提供者將需要在明年年底之前向金融服務管理局申請新的許可證。

Tightening the Screws: Stricter Penalties for AML Violations

擰緊螺絲：對違反反壟斷法的行為進行更嚴厲的處罰

The new law seeks to bolster Estonia's AML regulations by increasing penalties for violations. Currently, fines can reach 40,000 euros ($43,450), but the bill proposes raising this amount to a hefty 5 million euros ($5.2 million).

新法旨在透過加強對違法行為的處罰來加強愛沙尼亞的反洗錢法規。目前，罰款最高可達 4 萬歐元（43,450 美元），但該法案提議將罰款金額提高至 500 萬歐元（520 萬美元）。

MiCA Alignment: Embracing EU Crypto Regulations

MiCA 聯盟：接受歐盟加密法規

The legislation also aligns with the upcoming Markets in Crypto-Assets (MiCA) regulations from the European Union. MiCA aims to establish a comprehensive regulatory framework for the crypto market across Europe.

該立法也與歐盟即將出台的加密資產市場（MiCA）法規保持一致。 MiCA 旨在為整個歐洲的加密貨幣市場建立全面的監管框架。

Estonia's Crypto-Friendly Stance: A Balancing Act

愛沙尼亞的加密貨幣友善立場：平衡之舉

Estonia has long been known for its crypto-friendly stance, but the 2020 non-crypto-related corruption scandal prompted a tightening of regulations. The new law strikes a balance between supporting innovation and safeguarding against financial crime.

愛沙尼亞長期以來以其對加密貨幣友善的立場而聞名，但 2020 年與加密貨幣無關的腐敗醜聞促使監管收緊。新法律在支持創新和防範金融犯罪之間取得了平衡。

Industry Perspective: A Step Towards a Cleaner Crypto Market

產業視角：邁向更乾淨的加密貨幣市場的一步

Economic analyst Peter Koppel views the new law as a positive step in "cleaning up" the crypto market in Estonia. He believes it will enhance the reliability and trustworthiness of the ecosystem without significantly altering its substance.

經濟分析師 Peter Koppel 認為新法律是「清理」愛沙尼亞加密貨幣市場的積極一步。他相信這將增強生態系統的可靠性和可信度，而不會顯著改變其實質。

Conclusion: Estonia's Commitment to Crypto Regulation

結論：愛沙尼亞對加密貨幣監管的承諾

The proposed crypto regulation law in Estonia represents a significant shift in the country's regulatory approach. By empowering the FSA and implementing stricter penalties, Estonia aims to strengthen its AML framework and align with EU regulations. The industry welcomes the move as a step towards a more transparent and accountable crypto market.

愛沙尼亞擬議的加密貨幣監管法代表了該國監管方法的重大轉變。透過授權金融服務管理局並實施更嚴格的處罰，愛沙尼亞旨在加強其反洗錢框架並與歐盟法規保持一致。業界歡迎此舉，認為這是邁向更透明、負責任的加密貨幣市場的一步。