英国金融行为监管局 (FCA) 为其严格的数字货币监管辩护

支付和数字资产主管 Val Smith 在 10 月 21 日在其网站上发表的一篇文章中表示，必须在消费者保护和金融市场诚信方面维持严格的标准。

The U.K.’s Financial Conduct Authority (FCA) has defended its stringent digital currency regulations amid criticism that they were “too tough” and risked stifling innovation.

英国金融行为监管局（FCA）对其严格的数字货币监管进行了辩护，但有人批评这些监管“过于严厉”并有扼杀创新的风险。

In a post on its website on October 21, Val Smith, Head of Payments and Digital Assets, said it is essential to maintain rigorous standards with consumer protection and the integrity of financial markets front and center.

支付和数字资产主管 Val Smith 在 10 月 21 日在其网站上发表的一篇文章中表示，必须在消费者保护和金融市场诚信方面维持严格的标准。

Smith said innovations built on “unsafe, unregulated, and untrusted foundations” would likely collapse.

史密斯表示，建立在“不安全、不受监管和不受信任基础上”的创新可能会崩溃。

What are the ‘too tough’ FCA rules?

什么是“过于严厉”的 FCA 规则？

The FCA’s blockchain and digital currency standards focus on several key areas, particularly Anti-Money Laundering (AML)/Combating the Financing of Terrorism (CFT) compliance, consumer protection, communications standards, operational resilience, and stablecoin-specific regulations.

FCA 的区块链和数字货币标准侧重于几个关键领域，特别是反洗钱 (AML)/打击资助恐怖主义 (CFT) 合规性、消费者保护、通信标准、运营弹性和稳定币特定法规。

Any company using digital assets must register with the FCA and comply with the Money Laundering, Terrorist Financing, and Transfer of Funds Regulations (MLRs). This includes ongoing record-keeping and reporting duties.

任何使用数字资产的公司都必须在 FCA 注册并遵守洗钱、恐怖主义融资和资金转移法规 (MLR)。这包括持续的记录保存和报告职责。

Digital currency firms must also clearly disclose the risks associated with digital assets and comply with strict advertising rules. All financial promotions must be transparent, fair, and not misleading.

数字货币公司还必须明确披露与数字资产相关的风险，并遵守严格的广告规则。所有财务促销活动都必须透明、公平且不具有误导性。

On the operational resilience front, the FCA requires firms to safeguard customer funds, implement safeguards against cyber threats, and have a framework for managing operational and security risks.

在运营弹性方面，FCA 要求公司保护客户资金、实施网络威胁防护措施，并建立管理运营和安全风险的框架。

Furthermore, firms offering tokenized securities or acting as custodians of digital assets must comply with the same rules as those who do so for traditional securities.

此外，提供代币化证券或充当数字资产托管人的公司必须遵守与传统证券相同的规则。

Opinion: What’s the problem, crypto bros?

意见：加密货币兄弟们，问题出在哪里？

Basically, the FCA wants digital asset firms to be honest, manage risk correctly, and safeguard customer funds. It speaks volumes that some in the digital currency space see these rules as “too tough” to comply with.

基本上，FCA 希望数字资产公司诚实、正确管理风险并保护客户资金。数字货币领域的一些人认为这些规则“太难”而难以遵守，这说明了这一点。

In 2021, digital currency exchange Binance withdrew from the registration process after the FCA raised concerns about its approach to meeting AML and CTF rules. Subsequently, the FCA issued a warning to users that Binance was not authorized to undertake any regulated activity in the U.K.

2021 年，数字货币交易所币安 (Binance) 在 FCA 对其满足 AML 和 CTF 规则的方式表示担忧后退出了注册程序。随后，FCA向用户发出警告，称币安无权在英国进行任何受监管的活动

In recent years, most FCA applications have been rejected or withdrawn. What does it say about an industry when most of its operators cannot prove they are committed to honest advertising, basic safeguarding of customer funds, professional standards for managing risk, and preventing money launderers and terrorists from using their platforms?

近年来，大多数FCA申请都被拒绝或撤回。当大多数运营商无法证明他们致力于诚实的广告、对客户资金的基本保护、管理风险的专业标准以及防止洗钱者和恐怖分子使用其平台时，这对一个行业来说意味着什么呢？

It’s also difficult to imagine how insisting on these standards would prevent legitimate innovation. With a few notable exceptions, very little innovation has emerged from the industry since Bitcoin’s release in 2009. Almost nothing of lasting value came about in a decade with virtually no regulations at all, calling into question the premise of the argument that the FCA’s regulations would stifle innovation.

也很难想象坚持这些标准会如何阻碍合法的创新。自 2009 年比特币发布以来，除了一些值得注意的例外之外，该行业几乎没有出现任何创新。在几乎没有任何监管的十年里，几乎没有产生任何具有持久价值的东西，这让人对 FCA 的监管将影响这一论点的前提产生了质疑。扼杀创新。

Furthermore, the U.K. doesn’t need lectures from crypto bros about what it takes to create a world-leading industry. Its financial services sector stands shoulder to shoulder with New York and Singapore, today comprising 12% of its economic output and employing more than one million people. The nation’s iGaming industry is the largest in Europe, with 75,000 people employed in a sector contributing £5 billion ($5.4 billion) to the economy.

此外，英国不需要加密货币兄弟来讲述如何创建世界领先的行业。其金融服务业与纽约和新加坡并驾齐驱，目前占其经济产出的 12%，雇用人数超过 100 万人。该国的网络博彩行业是欧洲最大的行业，该行业雇用了 75,000 名员工，为经济贡献了 50 亿英镑（54 亿美元）。

The FCA’s approach is correct for the long run, perhaps not in every detail, but in spirit. Squeeze out the bad actors, welcome only those willing and able to commit to strict standards, and focus on utility and innovation with consumer protection and financial integrity in mind.

从长远来看，FCA 的做法是正确的，也许不是在每个细节上，而是在精神上。排除不良行为者，只欢迎那些愿意并且能够遵守严格标准的人，并注重实用性和创新，同时考虑到消费者保护和财务诚信。

Watch: Unpacking Bitcoin sustainability at #LDNBlockchain24

观看：#LDNBlockchain24 解析比特币的可持续性