NT规则，这可能会令人困惑。政府仍在弄清监管加密货币的最佳方法：标题：美国和其他国家的加密货币法规如何运作

加密法规是政府制定的规则，以管理如何交易和分发加密货币（例如比特币和以太坊）。

rules for crypto in its area of responsibility, and these rules can change over time.output: Major topics in the United States and around the world include crypto regulation. Governments are making rules to control crypto trading, stop scams, and ensure fair use. Some countries support crypto with clear laws, while others restrict or ban it.

加密在其责任领域的规则，这些规则可能会随着时间的推移而改变。输出：美国和世界各地的主要主题包括加密法规。政府正在制定控制加密交易，停止骗局并确保合理使用的规则。一些国家通过明确的法律支持加密货币，而另一些国家则限制或禁止加密货币。

In the United States, for example, crypto is taxed as property, while exchanges are regulated with strict security and anti-money laundering rules. Other countries are different, including Australia, India, and the UK, from high taxes to strict cryptocurrency compliance laws.

例如，在美国，加密货币被征税为财产，而交易所则受到严格的安全和反洗钱规则的监管。其他国家 /地区不同，包括澳大利亚，印度和英国，从高税收到严格的加密货币合规法。

Regulations affect how people buy, sell, and use crypto. Regulations can protect investors but also slow down innovation. As crypto continues to grow, governments continue to adjust their rules to find a balance. This article explores how crypto regulation works in the U.S. and other countries. It explains key rules, crypto taxes, and future trends that will shape the global virtual currency market.

法规会影响人们的购买，出售和使用加密方式。法规可以保护投资者，但也可以放慢创新。随着加密货币的不断增长，政府继续调整其规则以找到平衡。本文探讨了加密法规在美国和其他国家的工作方式。它解释了将影响全球虚拟货币市场的关键规则，加密税和未来趋势。

What is Cryptocurrency Regulation?

什么是加密货币法规？

Crypto regulations are rules created by governments to govern how cryptocurrencies, such as Bitcoin and Ethereum, will be traded and circulated. As in other forms of real money and its financial markets, crypto needs guidelines to protect people, prevent illegal activities, and stability in the financial system.

加密法规是政府制定的规则，以管理如何交易和分发加密货币（例如比特币和以太坊）。与其他形式的真实资金及其金融市场一样，加密货币需要指南来保护人们，防止非法活动和金融体系的稳定。

Some of the areas in which regulations are performed are:

执行法规的一些领域是：

Since crypto is decentralized-meaning it is not controlled by any one authority-it is regulated differently in each country. Some countries are stricter, while others are more lenient. Others are still finding their way in terms of regulating it.

由于加密货币是分散的，它不受任何一个机构的控制，因此在每个国家 /地区的监管都不同。一些国家更加严格，而另一些国家更宽容。其他人仍在调节它方面找到自己的方式。

Why is crypto being regulated?

为什么加密受到监管？

Governments and banks want to set rules for crypto for a few big reasons:

政府和银行希望为加密制定规则，原因有几个很大：

Cryptocurrency Regulation Around the World

世界各地的加密货币调节

1. Australia

1。澳大利亚

Licensing and Regulation

许可和法规

Anyone running a digital currency exchange (DCE) in Australia must register with AUSTRAC. This is required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. You must check customer identities, track transactions, and report suspicious activities. Running an exchange without registration is illegal.

任何在澳大利亚运行数字货币兑换（DCE）的人都必须在澳大利亚注册。这是根据2006年《反洗钱和反恐怖主义融资法》所必需的。您必须检查客户身份，跟踪交易并报告可疑活动。在没有注册的情况下运行交换是非法的。

Any platform dealing with financial products, like securities or investment schemes, needs an AFS license from ASIC. This rule comes under the Corporations Act 2001. A license is needed to offer financial advice or trade crypto-assets.

任何处理金融产品（例如证券或投资计划）的平台都需要ASIC的AFS许可证。该规则属于2001年《公司法》。需要许可以提供财务建议或贸易加密资产。

Crypto Taxation

加密税收

The Australian Taxation Office (ATO) sees cryptocurrencies as property, not money. You must pay Capital Gains Tax (CGT) when selling or trading crypto. For instance, for staking rewards, It’s considered as ordinary income so tax payment is mandatory.

澳大利亚税收办公室（ATO）将加密货币视为财产，而不是金钱。出售或交易加密货币时，您必须缴纳资本利得税（CGT）。例如，对于存放奖励，它被认为是普通收入，因此必须强制使用税款。

Crypto used in business may count as trading stock or ordinary income. The tax depends on how the crypto is used.

在业务中使用的加密货币可以算作交易股票或普通收入。税收取决于如何使用加密货币。

The individual tax rates in Australia for 2024–2025:

2024 - 2025年澳大利亚的个人税率：

Holding crypto for over 12 months may qualify for a 50% CGT discount. This means only half the profit is taxed.

持有加密货币超过12个月可能有资格获得50％的CGT折扣。这意味着只有一半的利润被征税。

To ensure compliance and security when trading, it’s important to choose a properly regulated platform—explore our guide on the Best crypto exchanges in Australia to find the top options available.

为了确保交易时的合规性和安全性，重要的是要选择一个适当监管的平台 - 探索我们有关澳大利亚最佳加密交易所的指南，以找到可用的最佳选择。

2. Brazil

2。巴西

Licensing and Regulation

许可和法规

As of 2025, Brazil has clear rules for cryptocurrencies, covering licensing, taxes, and trading. The main law is the Virtual Assets Act (Law No. 14,478/2022), effective since June 20, 2023. The Central Bank of Brazil (BCB) oversees these rules.

截至2025年，巴西有明确的加密货币规则，涵盖许可，税收和交易。主要法律是《虚拟资产法》（第14,478/2022号法律），自2023年6月20日起生效。巴西中央银行（BCB）监督了这些规则。

If you offer crypto services in Brazil, you must get approval from the BCB. This ensures you follow financial rules, including anti-money laundering (AML) and combating the financing of terrorism (CFT) standards. The BCB’s Circular No. 3,978/2020 provides guidelines on these topics.

如果您在巴西提供加密服务，则必须获得BCB的批准。这样可以确保您遵守财务规则，包括反洗钱（AML）并打击恐怖主义（CFT）标准的融资。 BCB的第3,978/2020号通函提供了有关这些主题的指南。

The Securities and Exchange Commission of Brazil (CVM) regulates crypto assets considered securities. If you’re involved in security token offerings (STOs), you must register with the CVM. This ensures transparency and investor protection.

巴西证券交易委员会（CVM）规范被视为证券的加密资产。如果您参与了安全令牌产品（STOS），则必须在CVM上注册。这样可以确保透明度和投资者保护。

Brazil is also developing its own digital currency, called the Digital Real or Drex. The BCB plans to regulate stablecoins and asset tokenization in 2025.

巴西还正在开发自己的数字货币，称为数字元或DREX。 BCB计划在2025年调节稳定剂和资产令牌化。

Crypto Taxation

加密税收

Profits from cryptocurrency transactions are subject to capital gains tax in Brazil. If your monthly transactions exceed BRL 35,000, you must pay taxes. The tax rates are:

来自加密货币交易的利润在巴西征收资本利得税。如果您的每月交易超过BRL 35,000，则必须缴税。税率是：

These rates are outlined in Normative Instruction No. 1,888/2019 by the Federal Revenue Service (RFB). You must report your crypto transactions in your annual income tax return.

联邦税务局（RFB）在2019年规范指导中概述了这些费率。您必须在年度所得税申报表中报告加密交易。

3. Canada

3.加拿大

Licensing and crypto regulations

许可和加密法规

Crypto exchanges in Canada must register with FINTRAC. FINTRAC helps stop money crimes and crypto exchanges must check customers, keep records, and report anything suspicious. The Canadian Securities Administrators (CSA) also makes rules. Some cryptos are treated like stocks, so exchanges must follow security laws.

加拿大的加密交易所必须在Fintrac注册。 FINTRAC帮助阻止货币犯罪，加密交易所必须检查客户，保留记录并报告任何可疑的东西。加拿大证券管理员（CSA）也制定了规则。一些加密货币被视为股票，因此交易所必须遵守安全法。