巴西提议禁止将稳定剂提取到自托管钱包

新法规的一个主要特征是禁止将稳定的稳定剂撤向自托管钱包。该禁令是由于担心滥用稳定的逃税和洗钱的担忧。

Brazilian regulators are considering a ban on withdrawing stablecoins to self-hosted wallets, aiming to mitigate tax evasion and money laundering concerns. The move has sparked a response from Coinbase, which warns of the potential to hamper financial innovation and decrease access to digital assets.

巴西监管机构正在考虑禁止将稳定的钱包撤回自主钱包，以减轻逃税和洗钱问题。此举引发了Coinbase的回应，该回应警告说，可能会妨碍金融创新并减少获得数字资产的访问。

The central feature of the new regulation is the prohibition on withdrawing stablecoins to self-hosted wallets. The ban is driven by worries about the misuse of stablecoins for tax evasion and money laundering. Brazilian regulators think that tracking self-hosted wallet transactions is challenging, thus making it more difficult to track financial outflows and impose tax laws.

新法规的中心特征是禁止将稳定的稳定剂撤回自托托式钱包。该禁令是由于担心滥用稳定的逃税和洗钱的担忧。巴西监管机构认为，跟踪自托管的钱包交易是具有挑战性的，因此追踪财务流出和施加税法变得更加困难。

Proposed Ban on Stablecoin Withdrawals to Self-Hosted Wallets

拟议的禁止稳定币提取到自主钱包的禁令

Coinbase contends that such restrictions could adversely affect companies and individuals who wish to engage in lawful financial activities that include stablecoins.

Coinbase认为，这种限制可能会对希望从事包括稳定的合法财务活动的公司和个人产生不利影响。

“This measure would have a significant impact on companies and individuals who want to use stablecoins for legal financial activities, such as cross-border transactions, payroll, and efficient financial settlements for businesses, as well as remittance and daily spending for individuals,” Coinbase stated in its submission to the Brazilian Central Bank.

“这项措施将对想要使用Stablecoins进行法律财务活动的公司和个人产生重大影响，例如跨境交易，工资和有效的企业财务和解，以及个人的汇款和日常支出，” Coinbase在向巴西中央银行提交的情况下指出。

Coinbase highlighted the role of stablecoins in decentralized finance (DeFi) and the broader digital economy. According to the exchange, overly strict limits could hamper financial innovation, reduce access to digital assets, and diminish the chance to realize a more open and inclusive financial system.

Coinbase强调了Stablecoins在分散的金融（DEFI）和更广泛的数字经济中的作用。根据交易所的说法，过度严格的限制可能会妨碍财务创新，减少获得数字资产的访问，并减少实现更开放和包容的金融体系的机会。

Coin base’s Argument for Self-Custodial Wallets

硬币基地的自我监测钱包的论点

Tom Duff Gordon, the head of Coinbase in Brazil, emphasized the importance of self-custodial wallets for the future of digital finance.

巴西Coinbase的负责人汤姆·达夫·戈登（Tom Duff Gordon）强调了自我监护钱包对数字融资的未来的重要性。

“We believe that stablecoins are a key part of the new Internet and DeFi paradigm, and self-hosted wallets are crucial to empower users to remain in control of their assets,” Gordon added.

戈登补充说：“我们认为，稳定币是新的互联网和Defi范式的关键部分，而自托管的钱包对于使用户能够控制其资产至关重要。”

He urged the central bank to reconsider the planned steps, suggesting that other measures could be used to solve the issues of regulatory requirements without stifling innovation and adoption.

他敦促中央银行重新考虑计划的步骤，这表明可以使用其他措施来解决监管要求的问题，而无需扼杀创新和采用。

“In our submission to the BC’s consultation, we made a case on how this model can be delivered safely, and respond to valid concerns regarding AML and KYC practices,” Gordon said.

戈登说：“在对卑诗省咨询的提交中，我们就如何安全地交付该模型并应对有关AML和KYC实践的有效担忧。”

Stablecoins and the Rise of Crypto Remittances

Stablecoins和加密汇款的兴起

The suggested prohibition of self-custody withdrawals is meant to enhance control and make these financial operations subject to regulatory controls. But Coinbase cautions that these steps can upset the overall crypto ecosystem and curtail financial access for people who rely on digital assets for routine transactions.

建议的禁止自我抑制戒断旨在增强控制权并使这些财务运营受监管控制。但是Coinbase警告说，这些步骤可能会使依靠数字资产进行常规交易的人们破坏整体加密生态系统，并减少财务通行。

“This measure would disproportionately affect low-income earners and immigrants who often rely on crypto to send and receive money to their families and friends abroad, and who would be cut off from efficient and low-cost remittance services offered by Coinbase and other crypto companies,” the exchange stated.

交易所表示：“这项措施将不成比例地影响低收入者和移民，他们经常依靠加密货币向国外的家人和朋友汇款，并将与Coinbase和其他加密公司提供的高效和低成本汇款服务隔绝。”

Alternative Solutions to Enhance Compliance

提高合规性的替代解决方案

Rather than direct bans, Coinbase proposes a regulatory strategy that balances efficiency with innovation. The exchange has suggested other measures to enhance compliance with anti-money laundering and KYC standards without banning self-hosted wallets outright.

Coinbase不是直接禁令，而是提出了一种调节策略，以平衡效率与创新。该交流提出了其他措施，以增强对反洗钱和KYC标准的遵守，而无需完全禁止自托的钱包。

With the help of blockchain analytics, better reporting mechanisms, and enhanced monitoring tools, regulators would be able to target illicit conduct while maintaining the advantages of stablecoin adoption. Coinbase believes that a collaborative effort between the government and industry players is essential to creating successful regulations that do not stifle financial innovation.

借助区块链分析，更好的报告机制和增强的监视工具，监管机构将能够针对非法行为，同时维持采用稳定的好处。 Coinbase认为，政府与行业参与者之间的合作努力对于制定不扼杀金融创新的成功法规至关重要。