MAS 加強監管以遏制數位支付代幣領域的洗錢和恐怖主義融資

新加坡金融管理局 (MAS) 實施了新法規，要求數位支付代幣 (DPT) 服務提供者負責防止洗錢和恐怖主義融資。這些措施修訂了《支付服務法》，擴大了金管局監管下的支付服務範圍，包括託管服務、傳輸便利化和跨境匯款。 DPT服務提供者必須遵守使用者保護和財務穩定要求，例如維護信託帳戶以及實施強有力的反洗錢和反恐融資措施，這些措施將從2024年4月4日起分階段生效。

Monetary Authority of Singapore Strengthens Regulations for Digital Payment Token Service Providers to Combat Money Laundering and Terrorism Financing

新加坡金融管理局加強對數位支付代幣服務提供者的監管，以打擊洗錢和恐怖主義融資

Singapore, April 3, 2023 - The Monetary Authority of Singapore (MAS) has implemented comprehensive measures to enhance accountability among digital payment token (DPT) service providers in the fight against money laundering and terrorism financing.

新加坡，2023 年 4 月 3 日 - 新加坡金融管理局 (MAS) 已實施全面措施，加強數位支付代幣 (DPT) 服務提供者在打擊洗錢和恐怖主義融資方面的責任。

Expansion of Payment Services Act

擴展支付服務法

On Tuesday, April 2, MAS amended the Payment Services Act and its subsidiary legislation, the Payment Services Regulations, to broaden the scope of payment services subject to regulation by the central bank. This move aims to impose stringent user protection and financial stability-related requirements on DPT service providers, complementing the establishment of the Cosmic centralized digital platform announced the previous day.

4 月 2 日星期二，MAS 修訂了《支付服務法》及其附屬立法《支付服務條例》，以擴大受央行監管的支付服務範圍。此舉旨在對DPT服務提供者提出嚴格的用戶保護和金融穩定相關要求，與前一天宣布的Cosmic中心化數位平台的建立相輔相成。

The amended Payment Services Act encompasses three additional activities under its regulatory purview:

修訂後的《支付服務法》在其監管範圍內涵蓋了另外三項活動：

1. Provision of custodial services for DPTs
2. Facilitation of the transmission and exchange of DPTs between accounts, even if the service provider does not possess the funds or DPTs
3. Facilitation of cross-border money transfers between different countries, regardless of whether funds are accepted or received in Singapore

The expanded scope will be implemented in phases, commencing on April 4.

提供 DPT 託管服務 促進帳戶之間 DPT 的傳輸和交換，即使服務提供者不擁有資金或 DPT 促進不同國家之間的跨境資金轉移，無論資金是否在新加坡接受或接收擴大範圍將於4月4日起分階段實施。

Transitional Arrangements and Regulatory Compliance

過渡安排和監管合規性

MAS has established transitional arrangements for entities currently engaged in activities covered under the expanded scope.

MAS 已為目前從事擴大範圍所涵蓋活動的實體制定了過渡安排。

"Affected entities must notify MAS within 30 days and submit a license application within six months from April 4 if they intend to continue these activities on a temporary basis while their license applications are under review," the central bank stated.

央行表示：“如果受影響的實體打算在許可證申請審查期間臨時繼續這些活動，則必須在 30 天內通知 MAS，並在 4 月 4 日起的六個月內提交許可證申請。”

"The license application must be accompanied by an attestation report from a qualified external auditor verifying the entity's business activities and compliance with anti-money laundering and countering the financing of terrorism requirements, submitted within nine months from April 4," MAS added. Entities failing to meet these requirements must cease the designated activities upon the amendments' effective date.

MAS 補充說：「許可證申請必須附有合格外部審計師出具的證明報告，以核實該實體的業務活動以及遵守反洗錢和打擊資助恐怖主義要求的情況，並在4 月4 日起的九個月內提交。”未能滿足這些要求的實體必須在修正案生效之日停止指定的活動。

Measures for Customer Asset Protection

客戶資產保護措施

Six months from April 4, MAS will implement measures to safeguard customer assets held by DPT service providers. These measures include placing assets in a trust account for the benefit of customers, maintaining accurate books and records, and implementing effective systems and controls to ensure asset integrity and security.

自 4 月 4 日起的六個月內，MAS 將採取措施保護 DPT 服務提供者持有的客戶資產。這些措施包括為了客戶的利益將資產存入信託帳戶，維護準確的帳簿和記錄，以及實施有效的系統和控制措施以確保資產的完整性和安全性。

Legislative Framework and Information Sharing

立法框架和資訊共享

The announcement follows the implementation of the Financial Services and Markets (Amendment) Act 2023 and its subsidiary legislation, which established the legal framework for information sharing on money laundering and terrorism financing among financial institutions. The Financial Services and Markets Act 2022 (FSMA) was also amended in May 2023 to provide the legislative basis for Cosmic.

該公告是在《2023 年金融服務和市場（修正案）法》及其附屬立法實施後發布的，該法案為金融機構之間的洗錢和恐怖主義融資資訊共享建立了法律框架。 《2022 年金融服務和市場法案》(FSMA) 也於 2023 年 5 月進行了修訂，為 Cosmic 提供了立法基礎。

Through these comprehensive measures, MAS aims to enhance Singapore's regulatory framework for DPT service providers, bolstering the country's efforts against money laundering and terrorism financing and protecting the integrity of the financial system.

透過這些綜合措施，MAS 旨在加強新加坡對 DPT 服務提供者的監管框架，以支持該國打擊洗錢和恐怖主義融資並保護金融體系的完整性。