柬埔寨允许稳定币服务并获得 NBC 批准，但比特币仍然被禁止

此举旨在整合安全的加密货币。柬埔寨国家银行（NBC）在加密货币领域迈出了重大一步。 NBC 首次表示将允许商业银行和支付机构提供与 1 类加密资产相关的服务。

Cambodia has taken a significant step in the cryptocurrency domain with the National Bank of Cambodia (NBC) announcing that commercial banks and payment institutions will be permitted to offer services related to Category 1 crypto assets, subject to NBC approval. These crypto assets are defined as secured or stable cryptocurrencies, such as stablecoins. Notably, however, unsecured cryptocurrencies, including Bitcoin, remain prohibited.

柬埔寨在加密货币领域迈出了重要一步，柬埔寨国家银行 (NBC) 宣布，经 NBC 批准，商业银行和支付机构将被允许提供与 1 类加密资产相关的服务。这些加密资产被定义为安全或稳定的加密货币，例如稳定币。然而值得注意的是，包括比特币在内的无担保加密货币仍然被禁止。

The NBC disclosed the decision in a prakas issued on December 26, which governs the use of digital currencies in the country. This move highlights Cambodia's efforts to integrate digital currencies within its financial system, while addressing concerns regarding security and regulation.

NBC 在 12 月 26 日发布的部长令中披露了这一决定，该部长令负责管理该国数字货币的使用。此举凸显了柬埔寨将数字货币纳入其金融体系的努力，同时解决了有关安全和监管的担忧。

Cryptocurrencies, also known as digital currencies, are not controlled by central banks and instead operate through decentralized networks called blockchains. These currencies have gained traction worldwide and are used for trading, transfers, payments, and investments, enabling users to purchase goods and services online.

加密货币，也称为数字货币，不受中央银行控制，而是通过称为区块链的去中心化网络运行。这些货币在全球范围内受到关注，用于交易、转账、支付和投资，使用户能够在线购买商品和服务。

Commercial Banks Permitted to Offer Crypto Services in Cambodia

商业银行获准在柬埔寨提供加密货币服务

The new directive mandates that any commercial bank or payment institution seeking to provide cryptocurrency services must obtain approval from the National Bank of Cambodia. Upon receiving authorization, these institutions will be permitted to trade crypto assets for fiat currencies.

新指令要求任何寻求提供加密货币服务的商业银行或支付机构必须获得柬埔寨国家银行的批准。获得授权后，这些机构将被允许将加密资产换成法定货币。

Furthermore, they can transfer crypto tokens between accounts and provide custody services, but they are prohibited from utilizing customers' crypto assets for their own benefit.

此外，他们可以在账户之间转移加密代币并提供托管服务，但禁止他们利用客户的加密资产谋取自身利益。

It's important to note that Cambodia previously banned cryptocurrency transactions and trading, with the government citing concerns over the high risks of money laundering, fraud, and activities in the black market.

值得注意的是，柬埔寨此前禁止加密货币交易和交易，政府担心洗钱、欺诈和黑市活动的高风险。

An economic researcher at the Royal Academy of Cambodia, Hong Vanak, highlighted the expanding role of cryptocurrencies, which are now used not only for payments but also for other purposes. Given their volatile prices, they are also traded like stocks. However, Vanak noted that cryptocurrencies contribute little to Cambodia's economy due to their decentralized nature, which makes them difficult for the government to tax, regulate, or track ownership.

柬埔寨皇家科学院经济研究员 Hong Vanak 强调了加密货币日益扩大的作用，加密货币现在不仅用于支付，还用于其他目的。鉴于其价格波动，它们也像股票一样进行交易。然而，瓦纳克指出，由于加密货币的去中心化性质，加密货币对柬埔寨经济贡献甚微，这使得政府难以对其征税、监管或追踪所有权。

Despite these challenges, Vanak stated that banks and crypto service providers could still generate profits by offering exchange and custody services, which would allow them to collect revenue through user fees.

尽管存在这些挑战，瓦纳克表示，银行和加密服务提供商仍然可以通过提供交易和托管服务来产生利润，这将使他们能够通过用户费用来收取收入。

In conclusion, the NBC has opened the door to stablecoin services in Cambodia, while Bitcoin and other unbacked cryptocurrencies are still banned. This marks a significant step as Cambodia integrates digital currencies into its financial system.

总之，NBC 已经为柬埔寨的稳定币服务敞开了大门，而比特币和其他无支持的加密货币仍然被禁止。这标志着柬埔寨将数字货币纳入其金融体系的重要一步。