FBI 警告公众，在加密行业审查中强调合规性

美国联邦调查局 (FBI) 向公众发出警告，避免使用未经注册的加密货币汇款服务，并强调使用此类服务​​可能造成财务损失的风险。该警报强调了该局致力于通过确保遵守金融交易法规来打击非法加密货币活动。

FBI Warns against Unlicensed Cryptocurrency Money Services, Stressing Compliance with KYC and AML Regulations

FBI 对未经许可的加密货币货币服务发出警告，强调遵守 KYC 和 AML 法规

In a public service announcement issued on April 25, the Federal Bureau of Investigation (FBI) has strongly advised the American public against utilizing the services of unregistered cryptocurrency money transfer services. This advisory serves as a timely warning amid the ongoing regulatory scrutiny and legal battles surrounding the cryptocurrency industry in the United States.

在 4 月 25 日发布的公共服务公告中，联邦调查局 (FBI) 强烈建议美国公众不要使用未经注册的加密货币汇款服务。在美国围绕加密货币行业正在进行的监管审查和法律斗争中，这一建议起到了及时的警告作用。

The FBI emphasized the importance of exclusively engaging with licensed and registered Cryptocurrency Money Services Businesses (CMSBs) that adhere strictly to the Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. Failure to comply with these established standards exposes individuals to significant financial risks, including the potential loss of funds if their transactions are inadvertently intertwined with illicit activities.

FBI 强调了专门与严格遵守“了解你的客户”(KYC) 和反洗钱 (AML) 法规的获得许可和注册的加密货币货币服务企业 (CMSB) 合作的重要性。不遵守这些既定标准会使个人面临重大财务风险，包括如果他们的交易无意中与非法活动交织在一起，则可能造成资金损失。

The Bureau highlighted recent law enforcement operations targeting cryptocurrency networks operating without proper authorization. Such unlicensed services pose a significant threat to users, as funds intermingled with those obtained illegally may be subject to seizure or freezing. The FBI's alert underscores its unwavering commitment to combating illicit cryptocurrency activity by ensuring compliance with financial transaction regulations mandated by the federal government.

该局强调了最近针对未经适当授权运行的加密货币网络的执法行动。此类未经许可的服务对用户构成重大威胁，因为与非法获得的资金混合可能会被扣押或冻结。联邦调查局的警报强调了其通过确保遵守联邦政府强制执行的金融交易法规来打击非法加密货币活动的坚定承诺。

MetaMask Under Scrutiny for Lack of Broker-Dealer Compliance

MetaMask 因缺乏经纪交易商合规性而受到审查

The FBI's advisory coincides with growing concerns over the compliance practices of MetaMask, a prominent platform that facilitates user interaction with decentralized applications (dApps) on the Ethereum network. The Securities and Exchange Commission (SEC) recently initiated enforcement action against MetaMask, accusing it of operating as an unlicensed BrokerDealer. This move signals a significant escalation in regulatory oversight of the cryptocurrency market, underscoring the SEC's determination to hold all participants accountable for adhering to securities laws.

FBI 的建议恰逢人们对 MetaMask 合规实践日益增长的担忧，MetaMask 是一个促进用户与以太坊网络上的去中心化应用程序 (dApp) 交互的著名平台。美国证券交易委员会 (SEC) 最近对 MetaMask 发起了执法行动，指控其作为无证经纪交易商运营。此举标志着对加密货币市场的监管力度显着升级，凸显了 SEC 要求所有参与者遵守证券法的决心。

Privacy Tools Raise Compliance Concerns

隐私工具引发合规性担忧

Michael Bacina, a Digital Asset Partner at Piper Alderman law firm, has pointed out that one of the objectives of the FBI advisory is to deter users from employing privacy tools that leverage smart contract technology, such as Samourai or TornadoCash. Bacina has argued that the advisory falls short in adequately explaining the complexities of decentralized systems and has called for the development of clear regulatory frameworks rather than solely relying on enforcement actions.

Piper Alderman 律师事务所数字资产合伙人 Michael Bacina 指出，FBI 咨询的目标之一是阻止用户使用利用智能合约技术的隐私工具，例如 Samourai 或 TornadoCash。巴西纳认为，该建议未能充分解释去中心化系统的复杂性，并呼吁制定明确的监管框架，而不是仅仅依赖执法行动。

Recent arrests of individuals associated with privacy-focused Bitcoin wallets and crypto mixing services have sent shockwaves through the cryptocurrency community. The apprehension of Keonne Rodriguez and William Hill, owners of Samourai Wallet, on charges of money laundering and operating an unlicensed money-transmitting business has prompted questions about the vagueness of the current definition of an MSB within the cryptocurrency ecosystem.

最近，与注重隐私的比特币钱包和加密货币混合服务相关的个人被捕，在加密货币社区引起了冲击。 Samourai Wallet 所有者 Keonne Rodriguez 和 William Hill 因洗钱和经营未经许可的汇款业务而被捕，引发了人们对加密货币生态系统中 MSB 当前定义模糊性的质疑。

Uncertainty Surrounding MSB Classification

MSB 分类的不确定性

Ryan Sean Adams, co-founder of Bankless, has raised concerns about the ambiguity surrounding whether code or wallets should be classified as MSBs. This uncertainty has been further amplified by the recent identification and subsequent legal actions taken against developers involved in privacy-enhancing projects.

Bankless 联合创始人瑞安·肖恩·亚当斯 (Ryan Sean Adams) 对代码或钱包是否应被归类为 MSB 的模糊性表示担忧。最近的身份识别以及随后针对参与隐私增强项目的开发商采取的法律行动进一步放大了这种不确定性。

In October 2023, the Treasury's Financial Crimes Enforcement Network (FinCEN) proposed designating crypto mixers as a primary money laundering concern, citing incidents such as the Hamas attack on Israel. The US Department of Justice (DOJ) has also made headlines with its international arrest of the founders and CEO of Samourai Wallet, a popular privacy-focused Bitcoin wallet and mixer.

2023 年 10 月，美国财政部金融犯罪执法网络 (FinCEN) 援引哈马斯袭击以色列等事件，提议将加密货币混合器指定为主要洗钱问题。美国司法部 (DOJ) 还因在国际上逮捕 Samourai Wallet（一种流行的注重隐私的比特币钱包和混合器）的创始人兼首席执行官而成为头条新闻。

Need for Clear Regulatory Frameworks

需要明确的监管框架

The FBI's advisory and the regulatory actions against MetaMask and Samourai Wallet highlight the urgent need for clear and comprehensive regulatory frameworks for the cryptocurrency industry. The lack of well-defined rules and standards creates uncertainty and increases the risk of financial harm for users.

FBI 针对 MetaMask 和 Samourai Wallet 的咨询和监管行动凸显了加密货币行业迫切需要明确、全面的监管框架。缺乏明确的规则和标准会带来不确定性，并增加用户遭受经济损失的风险。

Industry experts and stakeholders have called on regulators to engage in a collaborative effort to develop balanced and effective regulations that foster innovation and protect consumers without stifling the growth of the cryptocurrency market. Only through a comprehensive and transparent regulatory framework can the cryptocurrency industry reach its full potential while safeguarding the interests of its users.

行业专家和利益相关者呼吁监管机构共同努力制定平衡且有效的法规，以促进创新并保护消费者，同时又不抑制加密货币市场的增长。只有通过全面、透明的监管框架，加密货币行业才能充分发挥潜力，同时维护用户的利益。