巴基斯坦国家银行发布建议，敦促公众不要参与加密货币

巴基斯坦国家银行（SBP）发布公告，敦促公众不要参与加密货币，并强调这些虚拟货币在巴基斯坦不被视为法定货币。

Karachi, November 24, 2024 – The State Bank of Pakistan (SBP) has issued an advisory urging the general public to refrain from engaging in cryptocurrencies, emphasizing that these virtual currencies are not recognized as legal tender in Pakistan.

卡拉奇，2024 年 11 月 24 日 – 巴基斯坦国家银行 (SBP) 发布公告，敦促公众不要参与加密货币，并强调这些虚拟货币在巴基斯坦不被视为法定货币。

The SBP clarified that Virtual Currencies/Coins/Tokens (e.g., Bitcoin, Litecoin, Pakcoin, OneCoin, DasCoin, Pay Diamond, etc.) are neither legally recognized nor has the SBP authorized or licensed any individual or entity to issue, sell, purchase, exchange, or invest in such virtual assets in Pakistan. Moreover, banks, Development Finance Institutions (DFIs), Microfinance Banks, and Payment System Operators/Payment Service Providers (PSOs/PSPs) have been directed, via BPRD’s Circular No. 03 of 2018, not to facilitate customers in transactions involving Virtual Currencies, Initial Coin Offerings (ICOs), or Tokens.

SBP 澄清，虚拟货币/硬币/代币（例如比特币、莱特币、Pakcoin、OneCoin、DasCoin、Pay Diamond 等）既未得到法律认可，也未获得 SBP 授权或许可任何个人或实体发行、出售、购买在巴基斯坦购买、交换或投资此类虚拟资产。此外，BPRD 2018 年第 03 号通知指示银行、开发金融机构 (DFI)、小额信贷银行和支付系统运营商/支付服务提供商 (PSO/PSP) 不得为涉及虚拟货币的客户提供便利，首次代币发行（ICO）或代币。

The SBP warned that Virtual Currencies/Coins/Tokens, due to their high level of anonymity, could potentially be exploited for illegal activities. Furthermore, the ambiguous nature of these currencies offers no legal protection or recourse in cases of financial losses stemming from:

SBP 警告称，虚拟货币/硬币/代币由于其高度匿名性，可能会被用于非法活动。此外，这些货币的模糊性在以下原因造成的财务损失时无法提供法律保护或追索权：

a) High price volatility: Investments in Virtual Currencies are extremely unstable and speculative.

a) 价格波动性大：虚拟货币投资极不稳定且具有投机性。

b) Failure or closure of exchanges/businesses: This includes closures due to law enforcement actions.

b) 交易所/企业失败或关闭：这包括因执法行动而关闭。

c) Hacking or security breaches: Several global instances have shown significant losses resulting from the hacking or compromise of cryptocurrency exchanges and wallet businesses.

c) 黑客攻击或安全漏洞：全球多个实例显示，加密货币交易所和钱包业务遭到黑客攻击或破坏而造成重大损失。

The SBP also highlighted the risk of pyramid-style investment schemes and fraudulent coins promising high returns, similar to Ponzi schemes, which pose a significant financial risk to the public in Pakistan.

SBP还强调了金字塔式投资计划和承诺高回报的欺诈性硬币的风险，类似于庞氏骗局，这对巴基斯坦公众构成了重大金融风险。

The central bank emphasized that domestic and international payment and money transfer services in Pakistan are regulated by the SBP under applicable laws. No entity has been licensed or authorized by the SBP to offer money remittance services or products using Virtual Currencies/Coins/Tokens. Individuals using such assets to transfer value outside Pakistan may face prosecution under relevant laws.

央行强调，巴基斯坦的国内和国际支付和汇款服务由 SBP 根据适用法律进行监管。没有任何实体获得 SBP 许可或授权使用虚拟货币/硬币/代币提供汇款服务或产品。根据相关法律，使用此类资产将价值转移到巴基斯坦境外的个人可能会面临起诉。

In light of these concerns, the SBP advises the public to exercise caution and avoid involvement in mining, trading, exchanging, transferring value, promoting, or investing in Virtual Currencies/Coins/Tokens. This measure aims to help the public avoid potential financial losses and legal consequences.

鉴于这些担忧，SBP 建议公众谨慎行事，避免参与虚拟货币/硬币/代币的采矿、交易、交换、价值转移、推广或投资。该措施旨在帮助公众避免潜在的经济损失和法律后果。