歐盟透過嚴格的新反洗錢規則向現金宣戰

Has the European Union Declared War on Cash?

歐盟向現金宣戰了嗎？

The European Parliament's leading committees have taken a significant step toward implementing new anti-money laundering regulations, sparking a heated debate over the implications for financial privacy and economic freedom.

歐洲議會的主要委員會在實施新的反洗錢法規方面邁出了重要一步，引發了關於其對金融隱私和經濟自由的影響的激烈辯論。

A Victory for Crypto Enthusiasts: No €1,000 Limit on Self-Hosted Wallets

加密貨幣愛好者的勝利：自託管錢包沒有 1,000 歐元的限額

In a surprising move, the proposed €1,000 limit on cryptocurrency payments from self-hosted crypto wallets has been scrapped. This decision reflects the growing recognition of the need for self-custody and privacy in the digital asset space.

令人驚訝的是，提議的自託管加密錢包支付 1,000 歐元的加密貨幣限額已被取消。這項決定反映了人們對數位資產領域自我託管和隱私需求的日益認識。

But Wait, There's More: KYC for Crypto Exchanges

但等等，還有更多：加密貨幣交易所的 KYC

While self-hosted wallets have escaped the regulatory net, crypto exchanges, known as Crypto-Asset Service Providers (CASPs), will be required to perform "customer due diligence" on users conducting transactions worth €1,000 or more. This means that identity verification checks will become mandatory for large transactions.

雖然自架錢包已經逃脫了監管網，但加密貨幣交易所（稱為加密資產服務提供者（CASP））將被要求對進行價值 1,000 歐元或以上交易的用戶進行「客戶盡職調查」。這意味著大額交易將強制進行身份驗證檢查。

Mitigating Measures for Transfers to Self-Custody Wallets

轉移至自我託管錢包的緩解措施

The legislation also imposes "mitigating measures" on transfers between crypto exchanges and self-custody wallets. This includes verifying the identity of the exchange wallet holder when funds are sent from a self-custody wallet.

該法案還對加密貨幣交易所和自助錢包之間的轉帳實施了「緩解措施」。這包括當資金從自我託管錢包發送時驗證交易所錢包持有者的身份。

Cash Restrictions: €10,800 or Less

現金限制：10,800 歐元或以下

The new laws also restrict cash payments to €10,800, with EU member states having the option to set lower limits. Anonymous cash payments over €3,240 are prohibited.

新法律還將現金支付限制為 10,800 歐元，歐盟成員國可以選擇設定更低的限額。禁止超過 3,240 歐元的匿名現金支付。

Pirate Party MEP Patrick Breyer: 'War on Cash'

海盜黨歐洲議會議員帕特里克·布雷耶：“現金戰爭”

The legislation has drawn criticism from some quarters, with Pirate Party Germany European Parliament member Patrick Breyer labeling it a "war on cash." Breyer argues that the new rules compromise economic independence and financial privacy, and that anonymous transactions are a fundamental right.

這項立法引起了一些方面的批評，德國海盜黨歐洲議會議員帕特里克·布雷耶稱其為“現金戰爭”。布雷耶認為，新規則損害了經濟獨立和財務隱私，而匿名交易是一項基本權利。

Crypto Community Divided: Privacy vs. Regulation

加密社群分裂：隱私與監管

The crypto community has expressed mixed reactions to the EU's regulatory measures. Some welcome the need for anti-money laundering safeguards, while others fear potential infringements on privacy and constraints on economic activities.

加密貨幣社群對歐盟的監管措施表達了不同的反應。有些人歡迎反洗錢保障措施的必要性，而有些人則擔心可能侵犯隱私和限制經濟活動。

Daniel "Loddi" Tröster: Practical Challenges and Consequences

Daniel“Loddi”Tröster：實際挑戰和後果

Daniel "Loddi" Tröster, host of the Sound Money Bitcoin Podcast, has highlighted the practical challenges and consequences of the recent legislation, particularly its impact on donations and broader implications for cryptocurrency use within the EU. He expresses concerns about the potential stifling effect of the rules.

Sound Money 比特幣播客的主持人 Daniel“Loddi”Tröster 強調了近期立法的實際挑戰和後果，特別是其對捐贈的影響以及對歐盟內部加密貨幣使用的更廣泛影響。他對這些規則可能產生的抑製作用表示擔憂。

Conclusion: A Balancing Act

結論：平衡之舉

The European Union's new anti-money laundering regulations represent a complex balancing act between the need for financial transparency and the preservation of privacy and economic freedom. The crypto community and privacy advocates will continue to monitor the implementation of these measures and their impact on the digital asset ecosystem.

歐盟新的反洗錢法規代表了財務透明度的需求與保護隱私和經濟自由之間的複雜平衡行為。加密社群和隱私倡導者將繼續監控這些措施的實施及其對數位資產生態系統的影響。