FBI 警告大眾，在加密產業審查中強調合規性

美國聯邦調查局 (FBI) 向公眾發出警告，避免使用未經註冊的加密貨幣匯款服務，並強調使用此類服務可能造成財務損失的風險。該警報強調了該局致力於透過確保遵守金融交易法規來打擊非法加密貨幣活動。

FBI Warns against Unlicensed Cryptocurrency Money Services, Stressing Compliance with KYC and AML Regulations

FBI 對未經許可的加密貨幣貨幣服務發出警告，強調遵守 KYC 和 AML 法規

In a public service announcement issued on April 25, the Federal Bureau of Investigation (FBI) has strongly advised the American public against utilizing the services of unregistered cryptocurrency money transfer services. This advisory serves as a timely warning amid the ongoing regulatory scrutiny and legal battles surrounding the cryptocurrency industry in the United States.

在 4 月 25 日發布的公共服務公告中，聯邦調查局 (FBI) 強烈建議美國民眾不要使用未經註冊的加密貨幣匯款服務。在美國圍繞加密貨幣行業正在進行的監管審查和法律鬥爭中，這項建議起到了及時的警告作用。

The FBI emphasized the importance of exclusively engaging with licensed and registered Cryptocurrency Money Services Businesses (CMSBs) that adhere strictly to the Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. Failure to comply with these established standards exposes individuals to significant financial risks, including the potential loss of funds if their transactions are inadvertently intertwined with illicit activities.

FBI 強調了專門與嚴格遵守「了解你的客戶」(KYC) 和反洗錢 (AML) 法規的獲得許可和註冊的加密貨幣貨幣服務企業 (CM​​SB) 合作的重要性。不遵守這些既定標準會使個人面臨重大財務風險，包括如果他們的交易無意中與非法活動交織在一起，則可能造成資金損失。

The Bureau highlighted recent law enforcement operations targeting cryptocurrency networks operating without proper authorization. Such unlicensed services pose a significant threat to users, as funds intermingled with those obtained illegally may be subject to seizure or freezing. The FBI's alert underscores its unwavering commitment to combating illicit cryptocurrency activity by ensuring compliance with financial transaction regulations mandated by the federal government.

該局強調了最近針對未經適當授權運作的加密貨幣網路的執法行動。此類未經許可的服務對用戶構成重大威脅，因為與非法獲得的資金混合可能會被扣押或凍結。聯邦調查局的警報強調了其透過確保遵守聯邦政府強制執行的金融交易法規來打擊非法加密貨幣活動的堅定承諾。

MetaMask Under Scrutiny for Lack of Broker-Dealer Compliance

MetaMask 因缺乏經紀交易商合規性而受到審查

The FBI's advisory coincides with growing concerns over the compliance practices of MetaMask, a prominent platform that facilitates user interaction with decentralized applications (dApps) on the Ethereum network. The Securities and Exchange Commission (SEC) recently initiated enforcement action against MetaMask, accusing it of operating as an unlicensed BrokerDealer. This move signals a significant escalation in regulatory oversight of the cryptocurrency market, underscoring the SEC's determination to hold all participants accountable for adhering to securities laws.

FBI 的建議恰逢人們對 MetaMask 合規實踐日益增長的擔憂，MetaMask 是一個促進用戶與以太坊網路上的去中心化應用程式 (dApp) 互動的著名平台。美國證券交易委員會 (SEC) 最近對 MetaMask 發起了執法行動，指控其作為無證經紀交易商運作。此舉標誌著對加密貨幣市場的監管力度顯著升級，凸顯了 SEC 要求所有參與者遵守證券法的決心。

Privacy Tools Raise Compliance Concerns

隱私工具引發合規性擔憂

Michael Bacina, a Digital Asset Partner at Piper Alderman law firm, has pointed out that one of the objectives of the FBI advisory is to deter users from employing privacy tools that leverage smart contract technology, such as Samourai or TornadoCash. Bacina has argued that the advisory falls short in adequately explaining the complexities of decentralized systems and has called for the development of clear regulatory frameworks rather than solely relying on enforcement actions.

Piper Alderman 律師事務所數位資產合夥人 Michael Bacina 指出，FBI 諮詢的目標之一是阻止用戶使用利用智慧合約技術的隱私工具，例如 Samourai 或 TornadoCash。巴西納認為，該建議未能充分解釋去中心化系統的複雜性，並呼籲制定明確的監管框架，而不是僅依賴執法行動。

Recent arrests of individuals associated with privacy-focused Bitcoin wallets and crypto mixing services have sent shockwaves through the cryptocurrency community. The apprehension of Keonne Rodriguez and William Hill, owners of Samourai Wallet, on charges of money laundering and operating an unlicensed money-transmitting business has prompted questions about the vagueness of the current definition of an MSB within the cryptocurrency ecosystem.

最近，與注重隱私的比特幣錢包和加密貨幣混合服務相關的個人被捕，在加密貨幣社區引起了衝擊。 Samourai Wallet 所有者 Keonne Rodriguez 和 William Hill 因洗錢和經營未經許可的匯款業務而被捕，引發了人們對加密貨幣生態系統中 MSB 當前定義模糊性的質疑。

Uncertainty Surrounding MSB Classification

MSB 分類的不確定性

Ryan Sean Adams, co-founder of Bankless, has raised concerns about the ambiguity surrounding whether code or wallets should be classified as MSBs. This uncertainty has been further amplified by the recent identification and subsequent legal actions taken against developers involved in privacy-enhancing projects.

Bankless 聯合創始人 Ryan Sean Adams 對代碼或錢包是否應被歸類為 MSB 的模糊性表示擔憂。最近的識別以及隨後針對參與隱私增強專案的開發人員採取的法律行動進一步放大了這種不確定性。

In October 2023, the Treasury's Financial Crimes Enforcement Network (FinCEN) proposed designating crypto mixers as a primary money laundering concern, citing incidents such as the Hamas attack on Israel. The US Department of Justice (DOJ) has also made headlines with its international arrest of the founders and CEO of Samourai Wallet, a popular privacy-focused Bitcoin wallet and mixer.

2023 年 10 月，美國財政部金融犯罪執法網絡 (FinCEN) 引述哈馬斯襲擊以色列等事件，提議將加密貨幣混合器指定為主要洗錢問題。美國司法部 (DOJ) 也因在國際上逮捕 Samourai Wallet（一種流行的注重隱私的比特幣錢包和混合器）的創始人兼首席執行官而成為頭條新聞。

Need for Clear Regulatory Frameworks

需要明確的監管框架

The FBI's advisory and the regulatory actions against MetaMask and Samourai Wallet highlight the urgent need for clear and comprehensive regulatory frameworks for the cryptocurrency industry. The lack of well-defined rules and standards creates uncertainty and increases the risk of financial harm for users.

FBI 針對 MetaMask 和 Samourai Wallet 的諮詢和監管行動凸顯了加密貨幣產業迫切需要明確、全面的監管框架。缺乏明確的規則和標準會帶來不確定性，並增加使用者遭受經濟損失的風險。

Industry experts and stakeholders have called on regulators to engage in a collaborative effort to develop balanced and effective regulations that foster innovation and protect consumers without stifling the growth of the cryptocurrency market. Only through a comprehensive and transparent regulatory framework can the cryptocurrency industry reach its full potential while safeguarding the interests of its users.

行業專家和利益相關者呼籲監管機構共同努力製定平衡且有效的法規，以促進創新並保護消費者，同時又不抑制加密貨幣市場的成長。只有透過全面、透明的監管框架，加密貨幣產業才能充分發揮潛力，同時維護用戶的利益。