MiCA 重塑稳定币监管

MiCA 对 USDC 等稳定币引入了严格的监管。从 2023 年 6 月起，主要部分将于 2024 年 6 月 30 日生效，MiCA 要求电子货币代币：

European users will no longer be able to earn rewards on the stablecoin USDC after November 30. The final rewards will be distributed in the first 10 business days of December, the exchange announced Monday.

11 月 30 日之后，欧洲用户将无法再通过稳定币 USDC 获得奖励。该交易所周一宣布，最终奖励将在 12 月的前 10 个工作日内发放。

The move comes as part of a broader regulatory shift in the European Union. The Markets in Crypto Assets (MiCA) regulation, set to be fully implemented by June 30, 2024, will introduce strict rules for stablecoins.

此举是欧盟更广泛监管转变的一部分。加密资产市场 (MiCA) 监管将于 2024 年 6 月 30 日全面实施，将为稳定币引入严格的规则。

Among other things, MiCA will require stablecoin issuers to be licensed credit or electronic money institutions, have reserves fully covering the circulating supply of the stablecoin, and allow token holders to redeem at face value.

除此之外，MiCA 将要求稳定币发行者是获得许可的信贷或电子货币机构，拥有完全覆盖稳定币流通供应的储备，并允许代币持有者按面值赎回。

The regulation also bans interest on e-money tokens, a category that includes stablecoins pegged to fiat currencies. This is intended to distinguish them from traditional financial instruments while ensuring their stability.

该法规还禁止对电子货币代币产生利息，该类别包括与法定货币挂钩的稳定币。这样做的目的是为了将其与传统金融工具区分开来，同时确保其稳定性。

Coinbase said it’s adjusting its offerings “in line with MiCA,” which also includes delisting non-compliant stablecoins in the European Economic Area (EEA).

Coinbase 表示，它正在“根据 MiCA”调整其产品，其中还包括在欧洲经济区 (EEA) 下架不合规的稳定币。

Other major crypto firms have also announced their compliance measures. Uphold said it will be pausing services in the EEA on December 31, while Bitstamp said it will be fully licensed by the beginning of 2023. Tether, the issuer of the world’s largest stablecoin USDT, said it will be applying for registration under MiCA.

其他主要加密货币公司也宣布了他们的合规措施。 Uphold 表示将于 12 月 31 日暂停在 EEA 的服务，而 Bitstamp 表示将在 2023 年初获得完全许可。全球最大稳定币 USDT 发行人 Tether 表示将在 MiCA 下申请注册。

The move is set to affect a large number of European crypto users, as USDC is the second-most traded cryptocurrency in the region after bitcoin. The stablecoin rewards were a key incentive for many users to hold their crypto on Coinbase.

此举将影响大量欧洲加密货币用户，因为 USDC 是该地区仅次于比特币的第二大交易加密货币。稳定币奖励是许多用户在 Coinbase 上持有加密货币的关键动机。

However, the regulatory changes are necessary to ensure the safe and sound development of the crypto market, especially as stablecoins become more central to digital payments.

然而，为了确保加密货币市场的安全和健康发展，监管变化是必要的，特别是当稳定币成为数字支付的核心时。