肯尼亚使比特币和加密货币交易合法化，旨在平衡创新和风险管理

肯尼亚通过将加密货币交易合法化，对数字金融的未来表示“肯定”。财政部长约翰·姆巴迪宣布

Kenya has made a significant move towards the future of digital finance by legalizing crypto trading. This comes after years of restrictions that banned digital currencies in East Africa.

肯尼亚通过使加密货币交易合法化，向数字金融的未来迈出了重大一步。这是在东非多年来禁止数字货币的限制之后发生的。

However, despite the ban, people kept using digital assets on the underground market, showing the need for clear rules. Now, the government is building a legal framework to regulate crypto, including Bitcoin, and it aims to create a fair and competitive market for Virtual Assets (VAs) and Virtual Asset Service Providers (VASPs).

然而，尽管有禁令，人们仍然在地下市场上使用数字资产，这表明需要明确的规则。现在，政府正在建立一个法律框架来监管包括比特币在内的加密货币，旨在为虚拟资产（VA）和虚拟资产服务提供商（VASP）创建一个公平和竞争的市场。

This new legislation will also focus on risks like money laundering, terrorism financing, and fraud. As Treasury Cabinet Secretary John Mbadi announced this news, he pointed out that the government wants to balance innovation with risk management.

这项新立法还将重点关注洗钱、恐怖主义融资和欺诈等风险。财政部内阁部长约翰·姆巴迪宣布这一消息时指出，政府希望在创新与风险管理之间取得平衡。

These regulations are meant to harness the benefits of digital assets while addressing the challenges. It's important to note that Kenya has been a leader in financial innovation with Safaricom's M-Pesa mobile money service, which revolutionized financial accessibility in the country back in 2007.

这些法规旨在利用数字资产的优势，同时应对挑战。值得注意的是，肯尼亚凭借 Safaricom 的 M-Pesa 移动货币服务一直处于金融创新领域的领先地位，该服务早在 2007 年就彻底改变了该国的金融服务。

The Risks and Rewards of Crypto

加密货币的风险和回报

While the benefits of digital assets are clear, Mbadi also pointed out the risks, including money laundering, tax evasion, fraud, cybercrime, and weak consumer protection.

虽然数字资产的好处是显而易见的，但姆巴迪也指出了风险，包括洗钱、逃税、欺诈、网络犯罪和消费者保护薄弱。

He cited the national risk assessment report on Virtual Assets (VAs) and Virtual Asset Service Providers, which was finished in September 2023, to highlight these issues.

他引用了 2023 年 9 月完成的关于虚拟资产（VA）和虚拟资产服务提供商的国家风险评估报告来强调这些问题。

To tackle these challenges, the government wants to build a stable market that encourages innovation while protecting against financial crimes.

为了应对这些挑战，政府希望建立一个稳定的市场，鼓励创新，同时防范金融犯罪。

Kenya's Experience with Cryptocurrencies

肯尼亚的加密货币经验

Kenya's relationship with digital assets has been complicated. In 2015, the Central Bank warned against using them and banned virtual currencies as legal tender.

肯尼亚与数字资产的关系一直很复杂。 2015年，央行警告不要使用虚拟货币，并禁止虚拟货币作为法定货币。

But a UN report from 2022 showed that almost 10% of Kenyans owned cryptocurrency. This shows that digital assets are still being used in the country, despite the ban.

但联合国 2022 年的一份报告显示，近 10% 的肯尼亚人拥有加密货币。这表明尽管有禁令，数字资产仍在该国使用。

Now, the government is finally responding to the people's needs and legalizing crypto trading. This move is expected to boost the digital asset industry in Kenya and bring it into the mainstream economy.

现在，政府终于回应了人们的需求，将加密货币交易合法化。此举预计将提振肯尼亚的数字资产行业并将其纳入主流经济。

The nation plans to release its Draft National Policy on Virtual Assets and Virtual Asset Service Providers, which will guide the creation of a legal and regulatory system for the crypto industry.

国家计划发布《国家虚拟资产和虚拟资产服务提供商政策草案》，该草案将指导加密行业法律和监管体系的建立。

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