日本準備緩解穩定的規則，允許新的支持方法並減輕中介機構的合規負擔

日本將減輕對穩定和加密交易的法規。金融服務機構（FSA）批准了一份報告，該報告建議

Japan is easing regulations on stablecoins and crypto transactions. The Financial Services Agency (FSA) has approved a report that proposes changes to current statutory regulations. These amendments aim to both enhance financial adaptability and protect digital asset ownership for users.

日本正在放鬆對穩定交易的法規。金融服務局（FSA）批准了一份報告，該報告提議更改當前法定法規。這些修正案旨在提高財務適應性和保護用戶的數字資產所有權。

The payment-related proposal spans two key legislations: the Trust Business Act and the Payment Services Act. Currently, Japanese law classifies crypto assets as a digital payment instrument. Local crypto businesses have expressed difficulties operating due to restrictive safety measures implemented by regulators. The government now aims to restore simplicity to crypto asset business operations.

與付款相關的提案涵蓋了兩項關鍵立法：《信託業務法》和《付款服務法》。目前，日本法律將加密資產歸類為數字支付工具。由於監管機構實施的限制性安全措施，當地加密企業表達了困難。政府現在旨在恢復加密資產業務運營的簡單性。

The Financial System Council adopted the report following sessions held between August 2024. The discussions analyzed rules connected to payment service operations, remittances, and stablecoin and cryptocurrency standards.

金融系統委員會在2024年8月之間舉行的會議之後通過了報告。討論分析了與付款服務運營，匯款以及Stablecoin和Cryptocurrency標準相關的規則。

Previously, businesses involved in crypto transaction mediation were required to register under strict guidelines, even if they did not handle user assets. This regulation aimed to ensure compliance with anti-money laundering rules. However, the stringent requirements hindered the entry of new businesses into the crypto market.

以前，即使沒有處理用戶資產，也需要在嚴格的指導下進行註冊。該法規旨在確保遵守反洗錢規則。但是，嚴格的要求阻礙了新業務進入加密貨幣市場。

To address this issue, the FSA proposed introducing a new category of “intermediary business.” This classification would allow for more flexibility in compliance standards.

為了解決這個問題，FSA提出了一個新的“中介業務”類別。這種分類將允許在合規標準方面具有更大的靈活性。

Intermediaries who do not hold client assets will be exempt from rigorous financial requirements. Crypto exchanges and issuers will still be responsible for user fund security measures, but registration requirements will no longer extend to all firms involved with cryptocurrencies. This change could open up the market for game firms and digital wallet companies.

不持有客戶資產的中介機構將不受嚴格的財務要求。加密交易所和發行人仍將負責用戶基金的安全措施，但是註冊要求將不再擴展到所有涉及加密貨幣的公司。這種變化可以為遊戲公司和數字錢包公司開闢市場。

The framework under consideration also revises the criteria on which backing stablecoins can be based. Existing regulations only permit demand deposits as the backing method for stablecoins.

所考慮的框架還修改了支持穩定的標準可以基於的標準。現有法規僅允許需求存款作為穩定劑的背景方法。

Under the new proposal, stablecoin issuers can maintain their reserves with both short-term government bonds and fixed-term deposits. To ensure the stability of the financial sector, stablecoin issuers will be permitted to use these new assets for backing purposes up to a maximum of 50%.

根據新提案，Stablecoin發行人可以通過短期政府債券和定期存款來維持其儲備。為了確保金融部門的穩定性，將允許Stablecoin發行人使用這些新資產來支持最高50％的目的。

These modifications aim to provide stablecoin issuers with greater fund management capabilities. However, to achieve user security, the implementation of additional protective structures will be necessary.

這些修改旨在為Stablecoin發行人提供更大的基金管理能力。但是，為了實現用戶安全，必須實現其他保護結構。

Following the approval of the report, the Financial Services Agency will begin carrying out the necessary legal modifications. The Trust Business Act will be revised, and the Payment Services Act will be amended.

報告批准後，金融服務機構將開始進行必要的法律修改。將修訂《信託業務法》，並將修改《付款服務法》。

Finance Minister Katsunobu Kato expressed support for the plan, highlighting the need to establish a digital payment system that ensures both safety and efficiency.

財政部長Katsunobu Kato表示對該計劃的支持，強調了建立確保安全和效率的數字支付系統的需求。