肯亞使比特幣和加密貨幣交易合法化，旨在平衡創新和風險管理

肯亞透過將加密貨幣交易合法化，對數位金融的未來表示「肯定」。財政部長約翰姆巴迪宣布

Kenya has made a significant move towards the future of digital finance by legalizing crypto trading. This comes after years of restrictions that banned digital currencies in East Africa.

肯亞透過使加密貨幣交易合法化，向數位金融的未來邁出了重大一步。這是在東非多年來禁止數位貨幣的限制之後發生的。

However, despite the ban, people kept using digital assets on the underground market, showing the need for clear rules. Now, the government is building a legal framework to regulate crypto, including Bitcoin, and it aims to create a fair and competitive market for Virtual Assets (VAs) and Virtual Asset Service Providers (VASPs).

然而，儘管有禁令，人們仍然在地下市場上使用數位資產，這表明需要明確的規則。現在，政府正在建立一個法律框架來監管包括比特幣在內的加密貨幣，旨在為虛擬資產（VA）和虛擬資產服務提供者（VASP）創建一個公平和競爭的市場。

This new legislation will also focus on risks like money laundering, terrorism financing, and fraud. As Treasury Cabinet Secretary John Mbadi announced this news, he pointed out that the government wants to balance innovation with risk management.

這項新立法還將重點關注洗錢、恐怖主義融資和詐欺等風險。財政部內閣部長約翰·姆巴迪宣布這項消息時指出，政府希望在創新與風險管理之間取得平衡。

These regulations are meant to harness the benefits of digital assets while addressing the challenges. It's important to note that Kenya has been a leader in financial innovation with Safaricom's M-Pesa mobile money service, which revolutionized financial accessibility in the country back in 2007.

這些法規旨在利用數位資產的優勢，同時應對挑戰。值得注意的是，肯亞憑藉 Safaricom 的 M-Pesa 行動貨幣服務一直處於金融創新領域的領先地位，該服務早在 2007 年就徹底改變了該國的金融服務。

The Risks and Rewards of Crypto

加密貨幣的風險和回報

While the benefits of digital assets are clear, Mbadi also pointed out the risks, including money laundering, tax evasion, fraud, cybercrime, and weak consumer protection.

雖然數位資產的好處是顯而易見的，但姆巴迪也指出了風險，包括洗錢、逃稅、詐欺、網路犯罪和消費者保護薄弱。

He cited the national risk assessment report on Virtual Assets (VAs) and Virtual Asset Service Providers, which was finished in September 2023, to highlight these issues.

他引用了 2023 年 9 月完成的關於虛擬資產（VA）和虛擬資產服務提供者的國家風險評估報告來強調這些問題。

To tackle these challenges, the government wants to build a stable market that encourages innovation while protecting against financial crimes.

為了因應這些挑戰，政府希望建立一個穩定的市場，鼓勵創新，同時防範金融犯罪。

Kenya's Experience with Cryptocurrencies

肯亞的加密貨幣經驗

Kenya's relationship with digital assets has been complicated. In 2015, the Central Bank warned against using them and banned virtual currencies as legal tender.

肯亞與數位資產的關係一直很複雜。 2015年，央行警告不要使用虛擬貨幣，並禁止虛擬貨幣作為法定貨幣。

But a UN report from 2022 showed that almost 10% of Kenyans owned cryptocurrency. This shows that digital assets are still being used in the country, despite the ban.

但聯合國 2022 年的報告顯示，近 10% 的肯亞人擁有加密貨幣。這表明儘管有禁令，數位資產仍在該國使用。

Now, the government is finally responding to the people's needs and legalizing crypto trading. This move is expected to boost the digital asset industry in Kenya and bring it into the mainstream economy.

現在，政府終於回應了人們的需求，將加密貨幣交易合法化。此舉預計將提振肯亞的數位資產產業並將其納入主流經濟。

The nation plans to release its Draft National Policy on Virtual Assets and Virtual Asset Service Providers, which will guide the creation of a legal and regulatory system for the crypto industry.

國家計畫發布《國家虛擬資產和虛擬資產服務提供者政策草案》，該草案將指導加密產業法律和監管體系的建立。

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