南非的金融部門行為管理局已經在2022年10月宣布加密資產為金融產品

此舉允許更好的監督，改善消費者的保護以及對加密貨幣的徵稅的清晰度。

The Financial Sector Conduct Authority already declared crypto assets as financial products in October 2022, with the aim to get crypto in line with South Africa’s regulatory framework. The move allowed for better oversight, improved consumer protection, and clarity on how crypto is taxed.

金融部門行為當局在2022年10月已經宣布加密資產為金融產品，旨在使加密貨幣符合南非的監管框架。此舉允許更好的監督，改善消費者的保護以及對加密貨幣的徵稅的清晰度。

Crypto is here to stay, so Luno reckons it should be an investable local asset like stocks and bonds.

加密貨幣將留在這裡，因此Luno認為它應該是可投資的本地資產，例如股票和債券。

Paul Harker, global head of legal and corporate strategy at Luno, in a statement this week, said, “Internationally, cryptocurrencies are now just another recognised asset class to invest in along with stocks, government bonds and fiat currencies.”

盧諾（Luno）法律和公司戰略負責人保羅·哈克（Paul Harker）在本週的一份聲明中說：“在國際上，加密貨幣現在只是另一個公認的資產類別，可以與股票，政府債券和法定貨幣一起投資。”

“In the current constrained fiscal reality, our government has little room to manoeuvre. Pro-growth and forward-looking decisions are essential.”

“在當前有限的財政現實中，我們的政府幾乎沒有空間的空間。培養和前瞻性決定至關重要。”

South African regulators have been cautious about introducing cryptocurrencies to the country’s financial system. Urging the treasury to recognise the potential of crypto, Luno says South Africa could find itself falling behind other markets in embracing crypto as a recognised asset.

南非監管機構對將加密貨幣引入該國的金融體系持謹慎態度。盧諾敦促財政承認加密貨幣的潛力，他說南非可能會發現自己落後於其他市場，因為它將加密作為公認的資產。

As per TechCentral, Luno urged finance minister Enoch Godongwana to help change this classification, claiming it would, at “no cost to the fiscus”, see the returns generated by these assets “reinvested in South Africa, which in turn will increase tax revenue”.

根據TechCentral的說法，Luno敦促財政部長Enoch Godongwana幫助改變這種分類，並聲稱它將“不付出任何費用”，請參閱這些資產所產生的回報，“反過來又增加了稅收收入”。

Digital currencies are classified neither as onshore nor offshore assets, according to South African regulations. Luno said this “policy uncertainty” complicates the reporting of cross-border crypto transactions to the Reserve Bank.

根據南非法規，數字貨幣既不被歸類為陸上資產，也不歸類為近海資產。盧諾說，這種“政策不確定性”使向儲備銀行的跨境加密交易報告變得複雜。

Onshore assets typically refer to investments or assets that are held within the country’s borders. Recognising new assets, like Bitcoin, as “onshore" can have a positive effect on the local economy, reduce our reliance on foreign markets, and provide a certain measure of protection against geopolitical risks – and there are plenty of those at the moment.

陸上資產通常是指該國邊界內持有的投資或資產。認識到像比特幣這樣的新資產，因為“陸上”可以對當地經濟產生積極影響，減少我們對國外市場的依賴，並提供一定的保護措施，以防止對地緣政治風險的風險進行保護 - 目前有很多。

The South African Reserve Bank is still not quite ready to recognise crypto as “real money”, and Luno hopes to speed things up.

南非儲備銀行仍然不太準備將加密貨幣視為“真錢”，而盧諾希望能加快事情的速度。

“Ordinary South Africans and the fiscus have yet to experience the true benefit of the digital asset revolution that has boosted the economies of many other countries.”

“普通的南非人和菲斯斯尚未體驗到許多其他國家經濟的數字資產革命的真正利益。”

The Reserve Bank told TechCentral on Friday that the Intergovernmental Fintech Working Group are on it.

儲備銀行週五告訴TechCentral，政府間金融科技工作組正在其中。

“The classification of crypto assets as domestic or foreign for capital flow management purposes will form part of a framework to be decided on in due course.”

“用於資本流量管理目的的加密資產將加密資產的分類為國內或外國，將構成應在適當時候確定的框架的一部分。”

“In due course” might not be reassuring, but our banking systems have always been on the ball, so we remain hopeful.

“在適當的時候”可能並不令人放心，但是我們的銀行系統一直都在球上，因此我們仍然充滿希望。