盧旺達資本市場管理局（CMA）和盧旺達國家銀行要求對盧旺達虛擬資產業務的法律草案發表評論

在共同的公告中，盧旺達資本市場管理局（CMA）和盧旺達國家銀行正在向公眾詢問有關盧旺達虛擬資產業務的法律草案的評論。

The Rwanda Capital Markets Authority (CMA) and the National Bank of Rwanda have jointly invited members of the public to comment on a draft law Regulating Virtual Assets Business in Rwanda.

盧旺達資本市場管理局（CMA）和盧旺達國家銀行聯合邀請公眾對盧旺達虛擬資產業務的法律草案發表評論。

“In adherence to best practices that call for public participation, we invite all interested individuals and stakeholders – including fintech experts, legal practitioners, bankers, payment industry and financial market participants, consumers, and investors – to review the draft law and provide their feedback.” said the statement.

“為了遵守要求公眾參與的最佳實踐，我們邀請所有感興趣的個人和利益相關者，包括金融科技專家，法律從業人員，銀行家，支付行業和金融市場參與者，消費者和投資者 - 審查法律草案並提供反饋。”聲明說。

The draft law was made public on March 6 2025 to gather public feedback and promote transparency in the regulatory process. It can be accessed via this link.

法律草案於2025年3月6日公開，以收集公共反饋並促進監管過程中的透明度。可以通過此鏈接訪問。

Comments should be submitted by March 14 2025 through [email protected]

評論應在2025年3月14日之前通過[電子郵件保護]提交

In addition to the written comments, CMA and NBR will host a virtual consultation meeting on March 17 2025 from 10:00AM and below is the virtual meeting link https://zoom.us/j/97709425500?pwd=KiNoKqu1LuoUGBluHaM1G1lQZcjQat.1

The draft law places virtual assets and virtual asset service providers (VASPs) under the regulatory oversight of the Capital Markets Authority of Rwanda (CMA Rwanda), which will establish the licensing requirements for VASPs.

法律草案將虛擬資產和虛擬資產服務提供商（VASP）置於對盧旺達資本市場管理局（CMA盧旺達）的監管監督下，該管理將確定VASPS的許可要求。

However, the regulation emphasizes that cryptocurrencies are prohibited as legal tender within the country. In 2023, as reported by BitKE, the National Bank of Rwanda issued a public warning to residents not to be involved in cryptocurrencies citing several risks including the volatility of the assets.

但是，該法規強調，該國內禁止加密貨幣為法定貨幣。據比特克報導，2023年，盧旺達國家銀行向居民發出了公開警告，不要以幾種風險（包括資產的波動性）來參與加密貨幣。

According to the draft law, the types of virtual assets covered include cryptocurrencies, stablecoins, and security tokens.

根據法律草案，所涵蓋的虛擬資產的類型包括加密貨幣，穩定幣和安全令牌。

Additionally, the law imposes a ban on:

此外，該法律強加了禁令：

It also outlines regulations for the issuance of Initial Coin Offerings (ICOs), tokenized real-world assets, and stablecoins.

它還概述了發行初始硬幣產品（ICO），標記現實世界資產和Stablecoins的法規。

Furthermore, the regulatory framework mandates the enforcement of the ‘travel rule’ among licensed VASPs and regulators. This requires cryptocurrency exchanges to collect and share information about individuals involved in cryptocurrency transactions.

此外，監管框架要求執行許可的VASP和監管機構中的“旅行規則”。這需要加密貨幣交換以收集和共享有關加密貨幣交易的個人的信息。

Operators of unlicensed VASPs in the country face significant penalties, including fines of up to 30 million Rwandan francs (around $21,000) and potential imprisonment for up to five years.

該國無牌VASP的經營者面臨重大罰款，包括高達3000萬盧旺達法蘭西的罰款（約合21,000美元），並有可能被罰款長達五年。

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Carine Twiringiyimana, the Manager of Licensing and Approvals at CMA Rwanda, highlighted that a major concern raised by the Financial Action Task Force (FATF), the global body overseeing money laundering and terrorist financing, is the possible misuse of virtual assets for money laundering.

CMA盧旺達許可和批准的經理Carine Twiringiyimana強調，全球負責洗錢和恐怖分子融資的金融行動工作組（FATF）提出的主要關注點可能是對洗錢的虛擬資產的濫用。

“The Financial Action Task Force is particularly worried that virtual assets could serve as a means for money laundering. This is why these regulations are being implemented – to reduce such risks and offer clear guidance to both the public and virtual asset service providers,” she said.

“金融行動工作組特別擔心虛擬資產可以作為洗錢的手段。這就是為什麼要實施這些法規的原因 - 降低這種風險並為公共和虛擬資產服務提供商提供明確的指導。”她說。