印尼監管機構建立加密資產監管沙箱

印尼金融服務管理局（OJK）實施了一項新規則，要求包括加密貨幣實體在內的金融機構在該國運營之前必須在「監管沙箱」內接受評估。此措施旨在促進創新，同時保護用戶免受潛在損失和欺詐，確保產品和服務符合消費者適用性標準。加密貨幣公司將接受沙箱內的審查，這突顯了 OJK 對消費者保護和金融領域負責任創新的承諾。

Indonesia's Financial Regulator Establishes Regulatory Sandbox for Crypto Assets

印尼金融監理機構建立加密資產監理沙箱

In a significant move to regulate and foster innovation in the financial sector, the Indonesian Financial Services Authority (OJK) has implemented a new rule requiring financial institutions to subject their products and services, including those in the crypto sphere, to scrutiny within its Regulatory Sandbox. This initiative aims to strike a delicate balance between promoting technological advancements and safeguarding consumers from potential risks and fraudulent activities.

作為監管和促進金融領域創新的重大舉措，印尼金融服務管理局（OJK）實施了一項新規則，要求金融機構將其產品和服務（包括加密貨幣領域的產品和服務）置於其監管沙箱內進行審查。該舉措旨在在促進技術進步和保護消費者免受潛在風險和欺詐活動之間取得微妙的平衡。

Under the new mandate, banking, insurance, and crypto entities operating in Indonesia must undergo evaluation within the regulatory sandbox before receiving authorization to launch new products and services. This process ensures that offerings meet the standards of consumer suitability and align with the OJK's regulatory framework.

根據新的規定，在印尼營運的銀行、保險和加密貨幣實體必須在監管沙箱內接受評估，然後才能獲得推出新產品和服務的授權。此流程可確保產品符合消費者適用性標準並符合 OJK 的監管架構。

"We are committed to protecting consumers and educating them about financial products and services," said Hasan Fawzi, Executive Head of the Supervisor of Financial Sector Technology Innovation, Digital Financial Assets, and Crypto Assets at the OJK. "Regulatory mechanisms are crucial in preventing fraudulent investments, and the regulatory sandbox is an essential tool in this endeavor."

OJK 金融部門技術創新、數位金融資產和加密資產監管機構執行負責人 Hasan Fawzi 表示：“我們致力於保護消費者並向他們提供有關金融產品和服務的教育。” “監管機制對於防止欺詐性投資至關重要，而監管沙盒是這項努力的重要工具。”

Failure to comply with the new requirement could result in companies being deemed unlicensed, rendering their products and services illegal in Indonesia. The regulatory sandbox serves as a testing ground where products and services are thoroughly assessed to determine their reliability, business processes, and risk management practices.

不遵守新要求可能會導致公司被視為無執照，從而使其產品和服務在印尼非法。監管沙箱充當測試場，對產品和服務進行徹底評估，以確定其可靠性、業務流程和風險管理實踐。

This move marks a significant shift in Indonesia's regulatory landscape for crypto assets. Supervision and regulation of these assets will transition from the Commodity Futures Trading Regulatory Agency (Bappebti) to the OJK by 2025. Fawzi emphasized the regulatory sandbox as a crucial tool for familiarizing organizers and practitioners in the digital finance sector with OJK regulations, ultimately facilitating a smoother transition.

此舉標誌著印尼加密資產監管格局的重大轉變。到2025 年，對這些資產的監督和監管將從商品期貨交易監管機構(Bappebti) 過渡到OJK。Fawzi 強調，監管沙盒是讓數位金融領域的組織者和從業者熟悉OJK 監管的重要工具，最終促進過渡更順暢。

"The regulatory sandbox will enable participants to understand and comply with OJK regulations, while allowing us to introduce effective regulation and supervision to ensure compliance and consumer protection," Fawzi explained.

Fawzi 解釋道：“監管沙盒將使參與者能夠理解並遵守 OJK 法規，同時使我們能夠引入有效的監管和監督，以確保合規性和消費者保護。”

Despite previous criticisms of Indonesia's regulatory approach to cryptocurrencies, the country boasts one of the highest adoption rates globally. The market has witnessed a significant increase in investors, with over 18.51 million reported by Bappebti in 2023, indicating a 9.8% growth by February 2024.

儘管先前印尼對加密貨幣的監管方式受到批評，但該國仍是全球採用率最高的國家之一。該市場的投資者大幅增加，Bappebti 報告稱，2023 年投資者數量超過 1,851 萬人，顯示到 2024 年 2 月將成長 9.8%。

However, challenges such as dual taxation and restrictions on direct crypto payments for goods and services have prompted concerns among industry stakeholders. Local exchanges have expressed apprehensions that high taxes could potentially deter user activity within licensed platforms.

然而，雙重課稅以及對商品和服務直接加密支付的限制等挑戰引起了行業利益相關者的擔憂。當地交易所表示擔心高稅收可能會阻礙許可平台內的用戶活動。

In light of these developments, Indonesia continues to navigate the delicate balance between fostering innovation and ensuring regulatory compliance in the crypto sphere. With the implementation of the regulatory sandbox and forthcoming regulatory transitions, the country aims to strengthen its position in the global crypto landscape while safeguarding the interests of consumers.

鑑於這些發展，印尼繼續在促進加密貨幣領域創新和確保合規性之間尋求微妙的平衡。隨著監管沙盒的實施和即將到來的監管過渡，該國旨在加強其在全球加密貨幣領域的地位，同時維護消費者的利益。