肯亞採取措施監管加密貨幣，打擊逃稅、詐欺和網路犯罪

國家財政部提出了一個監管框架來監督肯亞的加密貨幣和數位代幣，旨在隨著這些資產使用的增長來解決逃稅、詐欺和網路犯罪問題。

Kenya’s National Treasury has proposed a regulatory framework to oversee cryptocurrencies and digital tokens in the country. The move comes amid growing use of these assets in Kenya, which the Treasury aims to integrate into the formal economy.

肯亞國家財政部提出了一個監管框架來監督該國的加密貨幣和數位代幣。此舉正值肯亞越來越多地使用這些資產，財政部旨在將其融入正規經濟。

A Draft National Policy on Virtual Assets (VAs) and Virtual Asset Service Providers (VASPs) has been released by the Treasury, seeking public input to finalise the document.

財政部已發布關於虛擬資產（VA）和虛擬資產服務提供者（VASP）的國家政策草案，徵求公眾意見以最終確定該文件。

The draft policy is part of Kenya’s shift from considering a ban on virtual assets to integrating them into the formal economy under clear regulations, the Treasury said.

財政部表示，該政策草案是肯亞從考慮禁止虛擬資產轉向在明確監管下將其納入正規經濟的轉變的一部分。

“This policy guides the establishment of a sound legal and regulatory framework providing the fundamental foundation of a fair, competitive, and stable market for VAs and VASPs with the aim of fostering innovation, enhancing financial literacy, and ensuring sound risk management,” the draft document reads.

草案指出：「該政策指導建立健全的法律和監管框架，為虛擬資產和虛擬資產服務提供公平、競爭和穩定的市場基礎，以促進創新、提高金融知識、確保健全的風險管理。」文件中寫道。

The Treasury aims to position Kenya as a key player in the global digital finance ecosystem with this policy.

財政部旨在透過這項政策將肯亞定位為全球數位金融生態系統的關鍵參與者。

According to the Treasury, a virtual asset is a digital representation of value that can be traded, transferred, or used for payments and investments.

根據財政部的說法，虛擬資產是價值的數位表示形式，可以交易、轉讓或用於支付和投資。

The increasing popularity of virtual assets in Kenya is driven by public interest in alternative investments, the efficiency of cross-border transactions, and the pseudonymous nature of these assets, the Treasury noted.

財政部指出，公眾對另類投資的興趣、跨境交易的效率以及這些資產的匿名性質推動了虛擬資產在肯亞日益普及。

However, the Treasury has raised concerns about risks associated with the unregulated use of cryptocurrencies, including money laundering, terrorism financing, tax evasion, fraud, and cybercrime.

然而，財政部對與不受監管地使用加密貨幣相關的風險表示擔憂，包括洗錢、恐怖主義融資、逃稅、詐欺和網路犯罪。

“These risks underscore the urgent need for a comprehensive legal and regulatory framework to govern VAs and VASPs to ensure the safety and integrity of Kenya’s financial system,” Treasury Cabinet Secretary John Mbadi said.

「這些風險凸顯了迫切需要一個全面的法律和監管框架來管理 VA 和 VASP，以確保肯亞金融體系的安全和完整性，」財政部長約翰·姆巴迪 (John Mbadi) 表示。

Mbadi added that the adoption of this policy would provide a secure and well-regulated environment for virtual assets in Kenya.

姆巴迪補充說，這項政策的採用將為肯亞的虛擬資產提供一個安全且監管良好的環境。

“This is a significant step towards creating a fair and stable market for these innovations while addressing the associated risks,” he said.

他說：“這是為這些創新創造一個公平、穩定的市場，同時解決相關風險的重要一步。”

The policy development comes shortly after the International Monetary Fund (IMF) backed Kenya’s efforts to regulate crypto activities. In a technical assistance report requested by the Capital Markets Authority (CMA), the IMF pledged to provide support in drafting regulations.

該政策制定是在國際貨幣基金組織（IMF）支持肯亞監管加密貨幣活動的努力之後不久制定的。在資本市場管理局（CMA）要求的技術援助報告中，國際貨幣基金組織承諾為起草法規提供支援。

“Once this assessment is complete, the IMF can provide technical assistance to help Kenyan authorities address risks to financial stability, markets, and consumers,” the IMF said.

國際貨幣基金組織表示：“評估完成後，國際貨幣基金組織可以提供技術援助，幫助肯亞當局應對金融穩定、市場和消費者面臨的風險。”

The framework, which incorporates Financial Action Task Force recommendations, is expected to be implemented by April 2025.

該框架納入了金融行動特別工作小組的建議，預計將於 2025 年 4 月實施。

Kenya has seen a growing adoption of cryptocurrencies in payments, remittances, and investments.

肯亞在支付、匯款和投資中越來越多地採用加密貨幣。

A report by crypto analytics firm Chainalysis ranked Kenya 21st globally in crypto adoption in 2023, with the country placed third in peer-to-peer (P2P) exchange trade volumes.

加密貨幣分析公司 Chainaanalysis 的一份報告顯示，肯亞在 2023 年加密貨幣採用率方面排名全球第 21 位，該國在點對點 (P2P) 交易所交易量方面排名第三。

Additional data from a 2020 report cited by the CMA revealed that Kenya accounts for over 12 per cent of Africa’s P2P bitcoin trades, second only to Nigeria.

CMA 引用的 2020 年報告的額外數據顯示，肯亞佔非洲 P2P 比特幣交易量的 12% 以上，僅次於奈及利亞。

A 2017 research report by Citi estimated that Kenya’s bitcoin holdings amounted to approximately 2.3 per cent of its GDP in 2016.

花旗 2017 年的研究報告估計，肯亞的比特幣持有量約佔 2016 年 GDP 的 2.3%。

The proposed policy is expected to provide a legal foundation for managing these assets while mitigating risks, marking a new chapter in Kenya’s approach to digital finance.

擬議的政策預計將為管理這些資產同時降低風險提供法律基礎，標誌著肯亞數位金融方法的新篇章。