加密货币融入金融系统：欧洲寻求综合框架

欧洲拥抱加密货币一体化：瑞士处于领先地位，MiCAR旨在到2025年促进采用，加密货币市值超过2.4万亿欧元，用区块链技术挑战传统金融，代币化和监管旨在确保加密货币在欧洲市场的一体化和安全。

Cryptomoney in the Financial Sphere: Europe's Move towards Integration

金融领域的加密货币：欧洲走向一体化

Introduction

介绍

As Switzerland blazes a trail in integrating cryptocurrency into its financial marketplace, Europe is embarking on a race to catch up. The question arises: Are we prepared to embrace the prospect of paying our taxes in digital currency?

随着瑞士在将加密货币融入其金融市场方面开辟了道路，欧洲正在展开一场追赶的竞赛。问题出现了：我们准备好接受用数字货币纳税的前景了吗？

Switzerland: A Pioneer in Crypto Adoption

瑞士：加密货币采用的先驱

At a banking symposium in Geneva last September, executives from the Crypto Valley Association emphasized that traditional banks worldwide are experiencing an urgent need to adapt to the growing adoption of digital assets. In response, countries such as Switzerland have already initiated the integration of cryptocurrencies into the conventional economy. Today, some Swiss residents can settle their tax obligations using cryptocurrencies.

去年 9 月在日内瓦举行的银行业研讨会上，加密谷协会的高管强调，全球传统银行正迫切需要适应数字资产日益普及的趋势。作为回应，瑞士等国家已经开始将加密货币融入传统经济。如今，一些瑞士居民可以使用加密货币来解决纳税义务。

Europe's Regulatory Framework: MiCAR

欧洲监管框架：MiCAR

Meanwhile, Europe is preparing a comprehensive regulatory framework for cryptocurrencies: the Markets in Crypto-Assets Regulation (MiCAR). Set to take effect on January 1, 2025, MiCAR aims to facilitate the seamless integration of cryptocurrencies into the traditional financial system.

与此同时，欧洲正在准备一个针对加密货币的全面监管框架：加密资产市场监管（MiCAR）。 MiCAR 将于 2025 年 1 月 1 日生效，旨在促进加密货币与传统金融系统的无缝集成。

Blockchain Technology: A Decentralized Revolution

区块链技术：去中心化革命

Underlying the operation of cryptocurrencies is blockchain technology. It eliminates the need for intermediaries, thereby reducing costs. Moreover, the cryptography inherent in blockchain is viewed as a safeguard for protecting customer assets.

加密货币运作的基础是区块链技术。它消除了对中间商的需求，从而降低了成本。此外，区块链固有的密码学被视为保护客户资产的保障措施。

Much like the transition from credit card payments to the likes of Apple Pay or Google Pay, blockchain technology has the potential to revolutionize the traditional economy, rendering transactions more transparent and efficient.

就像从信用卡支付向 Apple Pay 或 Google Pay 等支付方式的转变一样，区块链技术有可能彻底改变传统经济，使交易更加透明和高效。

Cryptocurrencies: A Booming Asset Class

加密货币：蓬勃发展的资产类别

As of late, the global market capitalization of cryptocurrencies has surpassed €2.4 trillion, approximately half the nominal GDP of Germany. Despite their volatility, cryptocurrencies are increasingly being perceived as safe havens, akin to gold.

截至目前，加密货币的全球市值已超过 2.4 万亿欧元，约为德国名义 GDP 的一半。尽管存在波动性，但加密货币越来越被视为类似于黄金的避风港。

Among the most popular cryptocurrencies are Bitcoin, which recently hit a new value high, and Ethereum. A growing number of financial analysts posit that the future of investment may lie in "tokenization," the transformation of conventional assets into digital tokens.

最流行的加密货币包括比特币和以太坊，比特币最近创下了新的价值高点。越来越多的金融分析师认为，投资的未来可能在于“代币化”，即将传统资产转变为数字代币。

Challenges to a Comprehensive Crypto Transition

全面加密货币转型面临的挑战

While cryptocurrencies have gained traction operating beyond the purview of government oversight, their integration into the mainstream for broader use necessitates regulation that ensures security. Notably, there are currently over 13,000 cryptocurrencies in existence, with close to 9,000 possessing market value.

尽管加密货币已经在政府监管范围之外运行，但它们融入主流以实现更广泛的使用需要确保安全的监管。值得注意的是，目前存在超过 13,000 种加密货币，其中近 9,000 种具有市场价值。

Switzerland: Integrating Crypto into Everyday Life

瑞士：将加密货币融入日常生活

In Switzerland, certain businesses are already required to obtain licensing under anti-money laundering regulations. In the canton of Zug, residents and businesses can settle their tax bills in Bitcoin or Ethereum. In Lugano, residents can scan a QR code on their invoice and select their preferred cryptocurrency mobile wallet to make their payment.

在瑞士，某些企业已经被要求根据反洗钱法规获得许可。在楚格州，居民和企业可以用比特币或以太坊结算税单。在卢加诺，居民可以扫描发票上的二维码，然后选择他们喜欢的加密货币移动钱包进行付款。

European Regulations for the Crypto Economy

欧洲加密经济法规

The successful integration of cryptocurrencies into the European financial system hinges upon clear and precise regulation. Europe would do well to draw inspiration from the Swiss model, which empowers authorities to ascertain the ownership of bitcoins during peer-to-peer transactions. With that said, to what extent is a crypto-dominated economy realistic, and if so, within what timeframe?

加密货币能否成功融入欧洲金融体系取决于清晰而精确的监管。欧洲最好从瑞士模式中汲取灵感，该模式使当局能够在点对点交易中确定比特币的所有权。话虽如此，加密货币主导的经济在多大程度上是现实的？如果是，那么在什么时间范围内？

Conclusion

结论

The integration of cryptocurrencies into the financial mainstream is an ongoing process with significant implications for Europe. As the continent navigates the complexities of regulation and addresses the challenges associated with a decentralized digital currency ecosystem, the question remains: Is Europe ready to embrace the crypto revolution fully?

加密货币融入金融主流是一个持续的过程，对欧洲具有重大影响。随着欧洲大陆应对监管的复杂性并解决与去中心化数字货币生态系统相关的挑战，问题仍然存在：欧洲准备好全面拥抱加密货币革命了吗？