爱沙尼亚通过对服务提供商的全面监管来打击加密货币

爱沙尼亚通过了一项法案，对数字资产服务提供商提出了严格的法律要求。该立法旨在加强行业监管，增强其可信度，并保护投资者免受网络盗窃和企业倒闭的影响。服务提供商将面临金融监管局的财务监管，违规行为的罚款将增至 500 万欧元。

Estonia Tightens Crypto Regulation with Stringent Requirements for Service Providers

爱沙尼亚加强加密货币监管，对服务提供商提出严格要求

In a major step towards regulating the digital asset industry, Estonia's government has approved groundbreaking legislation imposing stringent legal requirements on digital asset service providers. This move is part of Estonia's broader strategy to bolster the trustworthiness and stability of the cryptocurrency sector within its borders.

爱沙尼亚政府批准了一项开创性的立法，对数字资产服务提供商提出严格的法律要求，这是监管数字资产行业的重要一步。此举是爱沙尼亚更广泛战略的一部分，旨在增强其境内加密货币行业的可信度和稳定性。

Estonia has long been a hub for cryptocurrency service providers, with estimates suggesting that nearly half of the world's crypto businesses were registered in the country in 2021. However, in recent years, regulatory efforts have reduced this number significantly, with only around 50 companies remaining under the supervision of the Financial Intelligence Unit (FIU) as of 2024.

爱沙尼亚长期以来一直是加密货币服务提供商的中心，据估计，到 2021 年，全球近一半的加密货币企业将在该国注册。然而，近年来，监管努力已大幅减少这一数字，只剩下约 50 家公司自 2024 年起接受金融情报机构 (FIU) 的监管。

The newly approved legislation introduces a fundamental shift in the regulatory landscape for crypto service providers in Estonia. It subjects these entities to financial supervision for the first time, placing their responsibilities on par with those of traditional banks.

新批准的立法为爱沙尼亚加密服务提供商的监管环境带来了根本性转变。它首次将这些实体置于金融监管之下，将其职责置于与传统银行同等的地位。

"The new regulation will significantly enhance the security and reliability of the crypto sector in Estonia," said Matis Mäeker, the head of FIU. "Crypto service providers will now be required to implement robust asset management systems, ensuring the protection of investor funds."

金融情报机构负责人 Matis Mäeker 表示：“新法规将显着提高爱沙尼亚加密货币行业的安全性和可靠性。” “加密服务提供商现在需要实施强大的资产管理系统，以确保投资者资金的保护。”

Beginning in 2026, crypto service providers will come under the oversight of the Financial Supervision Authority (FSA) of Estonia. The FSA will be responsible for issuing regulatory licenses to these companies, starting in 2025. Existing entities holding FIU licenses must apply for the new licenses by 2026.

从 2026 年开始，加密服务提供商将接受爱沙尼亚金融监管局（FSA）的监管。自 2025 年起，FSA 将负责向这些公司颁发监管许可证。持有金融情报机构许可证的现有实体必须在 2026 年之前申请新许可证。

The legislation also introduces stricter operational and reporting standards for crypto businesses. Failure to comply can result in substantial fines of up to €5 million—a significant increase from the previous €40,000 limit under the Anti-Money Laundering Act.

该立法还为加密货币业务引入了更严格的运营和报告标准。不遵守规定可能会导致高达 500 万欧元的巨额罚款，这比《反洗钱法》之前规定的 40,000 欧元的限额大幅增加。

This regulatory overhaul is a direct response to several high-profile cyber thefts and business failures in Estonia's crypto sector, which have led to substantial losses for investors. By bringing crypto service providers under the FSA's supervision, the government aims to mitigate these risks and provide enhanced protection for digital asset holders.

此次监管改革是对爱沙尼亚加密货币行业几起备受瞩目的网络盗窃和商业失败的直接回应，这些事件导致投资者遭受重大损失。通过将加密服务提供商置于英国金融服务管理局的监管之下，政府旨在减轻这些风险并为数字资产持有者提供更强的保护。

The new framework underscores Estonia's commitment to both fostering financial innovation and ensuring market stability. The country has long been a pioneer in the digital asset space and this legislation further demonstrates its dedication to creating a safe and secure environment for the cryptocurrency industry.

新框架强调了爱沙尼亚对促进金融创新和确保市场稳定的承诺。该国长期以来一直是数字资产领域的先驱，这项立法进一步表明了其致力于为加密货币行业创造安全可靠的环境的决心。

As Estonia's crypto regulatory regime evolves, it will be closely watched by other countries grappling with the challenges of regulating this rapidly growing and complex sector. The Estonian government's approach, balancing innovation and investor protection, could serve as a model for other jurisdictions seeking to strike a similar balance.

随着爱沙尼亚加密货币监管制度的发展，它将受到其他国家的密切关注，这些国家正在努力应对监管这个快速增长且复杂的行业的挑战。爱沙尼亚政府平衡创新和投资者保护的做法可以作为其他司法管辖区寻求类似平衡的典范。