欧盟通过严格的新反洗钱规则向现金宣战

Has the European Union Declared War on Cash?

欧盟向现金宣战了吗？

The European Parliament's leading committees have taken a significant step toward implementing new anti-money laundering regulations, sparking a heated debate over the implications for financial privacy and economic freedom.

欧洲议会的主要委员会在实施新的反洗钱法规方面迈出了重要一步，引发了关于其对金融隐私和经济自由的影响的激烈辩论。

A Victory for Crypto Enthusiasts: No €1,000 Limit on Self-Hosted Wallets

加密货币爱好者的胜利：自托管钱包没有 1,000 欧元的限额

In a surprising move, the proposed €1,000 limit on cryptocurrency payments from self-hosted crypto wallets has been scrapped. This decision reflects the growing recognition of the need for self-custody and privacy in the digital asset space.

令人惊讶的是，提议的自托管加密钱包支付 1,000 欧元的加密货币限额已被取消。这一决定反映了人们对数字资产领域自我托管和隐私需求的日益认识。

But Wait, There's More: KYC for Crypto Exchanges

但是等等，还有更多：加密货币交易所的 KYC

While self-hosted wallets have escaped the regulatory net, crypto exchanges, known as Crypto-Asset Service Providers (CASPs), will be required to perform "customer due diligence" on users conducting transactions worth €1,000 or more. This means that identity verification checks will become mandatory for large transactions.

虽然自托管钱包已经逃脱了监管网，但加密货币交易所（称为加密资产服务提供商（CASP））将被要求对进行价值 1,000 欧元或以上交易的用户进行“客户尽职调查”。这意味着大额交易将强制进行身份验证检查。

Mitigating Measures for Transfers to Self-Custody Wallets

转移至自我托管钱包的缓解措施

The legislation also imposes "mitigating measures" on transfers between crypto exchanges and self-custody wallets. This includes verifying the identity of the exchange wallet holder when funds are sent from a self-custody wallet.

该立法还对加密货币交易所和自助钱包之间的转账实施了“缓解措施”。这包括当资金从自我托管钱包发送时验证交易所钱包持有者的身份。

Cash Restrictions: €10,800 or Less

现金限制：10,800 欧元或以下

The new laws also restrict cash payments to €10,800, with EU member states having the option to set lower limits. Anonymous cash payments over €3,240 are prohibited.

新法律还将现金支付限制为 10,800 欧元，欧盟成员国可以选择设定更低的限额。禁止超过 3,240 欧元的匿名现金支付。

Pirate Party MEP Patrick Breyer: 'War on Cash'

海盗党欧洲议会议员帕特里克·布雷耶：“现金战争”

The legislation has drawn criticism from some quarters, with Pirate Party Germany European Parliament member Patrick Breyer labeling it a "war on cash." Breyer argues that the new rules compromise economic independence and financial privacy, and that anonymous transactions are a fundamental right.

这项立法引起了一些方面的批评，德国海盗党欧洲议会议员帕特里克·布雷耶称其为“现金战争”。布雷耶认为，新规则损害了经济独立和财务隐私，而匿名交易是一项基本权利。

Crypto Community Divided: Privacy vs. Regulation

加密社区分裂：隐私与监管

The crypto community has expressed mixed reactions to the EU's regulatory measures. Some welcome the need for anti-money laundering safeguards, while others fear potential infringements on privacy and constraints on economic activities.

加密货币社区对欧盟的监管措施表达了不同的反应。一些人欢迎反洗钱保障措施的必要性，而另一些人则担心可能侵犯隐私和限制经济活动。

Daniel "Loddi" Tröster: Practical Challenges and Consequences

Daniel“Loddi”Tröster：实际挑战和后果

Daniel "Loddi" Tröster, host of the Sound Money Bitcoin Podcast, has highlighted the practical challenges and consequences of the recent legislation, particularly its impact on donations and broader implications for cryptocurrency use within the EU. He expresses concerns about the potential stifling effect of the rules.

Sound Money 比特币播客的主持人 Daniel“Loddi”Tröster 强调了近期立法的实际挑战和后果，特别是其对捐赠的影响以及对欧盟内部加密货币使用的更广泛影响。他对这些规则可能产生的抑制作用表示担忧。

Conclusion: A Balancing Act

结论：平衡之举

The European Union's new anti-money laundering regulations represent a complex balancing act between the need for financial transparency and the preservation of privacy and economic freedom. The crypto community and privacy advocates will continue to monitor the implementation of these measures and their impact on the digital asset ecosystem.

欧盟新的反洗钱法规代表了财务透明度的需要与保护隐私和经济自由之间的复杂平衡行为。加密社区和隐私倡导者将继续监控这些措施的实施及其对数字资产生态系统的影响。