卢旺达资本市场管理局（CMA）和卢旺达国家银行要求对卢旺达虚拟资产业务的法律草案发表评论

在共同的公告中，卢旺达资本市场管理局（CMA）和卢旺达国家银行正在向公众询问有关卢旺达虚拟资产业务的法律草案的评论。

The Rwanda Capital Markets Authority (CMA) and the National Bank of Rwanda have jointly invited members of the public to comment on a draft law Regulating Virtual Assets Business in Rwanda.

卢旺达资本市场管理局（CMA）和卢旺达国家银行联合邀请公众对卢旺达虚拟资产业务的法律草案发表评论。

“In adherence to best practices that call for public participation, we invite all interested individuals and stakeholders – including fintech experts, legal practitioners, bankers, payment industry and financial market participants, consumers, and investors – to review the draft law and provide their feedback.” said the statement.

“为了遵守要求公众参与的最佳实践，我们邀请所有感兴趣的个人和利益相关者，包括金融科技专家，法律从业人员，银行家，支付行业和金融市场参与者，消费者和投资者 - 审查法律草案并提供反馈。”声明说。

The draft law was made public on March 6 2025 to gather public feedback and promote transparency in the regulatory process. It can be accessed via this link.

法律草案于2025年3月6日公开，以收集公共反馈并促进监管过程中的透明度。可以通过此链接访问。

Comments should be submitted by March 14 2025 through [email protected]

评论应在2025年3月14日之前通过[电子邮件保护]提交

In addition to the written comments, CMA and NBR will host a virtual consultation meeting on March 17 2025 from 10:00AM and below is the virtual meeting link https://zoom.us/j/97709425500?pwd=KiNoKqu1LuoUGBluHaM1G1lQZcjQat.1

The draft law places virtual assets and virtual asset service providers (VASPs) under the regulatory oversight of the Capital Markets Authority of Rwanda (CMA Rwanda), which will establish the licensing requirements for VASPs.

法律草案将虚拟资产和虚拟资产服务提供商（VASP）置于对卢旺达资本市场管理局（CMA卢旺达）的监管监督下，该管理将确定VASPS的许可要求。

However, the regulation emphasizes that cryptocurrencies are prohibited as legal tender within the country. In 2023, as reported by BitKE, the National Bank of Rwanda issued a public warning to residents not to be involved in cryptocurrencies citing several risks including the volatility of the assets.

但是，该法规强调，该国内禁止加密货币为法定货币。据比特克报道，2023年，卢旺达国家银行向居民发出了公开警告，不要以几种风险（包括资产的波动性）来参与加密货币。

According to the draft law, the types of virtual assets covered include cryptocurrencies, stablecoins, and security tokens.

根据法律草案，所涵盖的虚拟资产的类型包括加密货币，稳定币和安全令牌。

Additionally, the law imposes a ban on:

此外，该法律强加了禁令：

It also outlines regulations for the issuance of Initial Coin Offerings (ICOs), tokenized real-world assets, and stablecoins.

它还概述了发行初始硬币产品（ICO），标记现实世界资产和Stablecoins的法规。

Furthermore, the regulatory framework mandates the enforcement of the ‘travel rule’ among licensed VASPs and regulators. This requires cryptocurrency exchanges to collect and share information about individuals involved in cryptocurrency transactions.

此外，监管框架要求执行许可的VASP和监管机构中的“旅行规则”。这需要加密货币交换以收集和共享有关加密货币交易的个人的信息。

Operators of unlicensed VASPs in the country face significant penalties, including fines of up to 30 million Rwandan francs (around $21,000) and potential imprisonment for up to five years.

该国无牌VASP的经营者面临重大罚款，包括高达3000万卢旺达法兰西的罚款（约合21,000美元），并有可能被罚款长达五年。

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Carine Twiringiyimana, the Manager of Licensing and Approvals at CMA Rwanda, highlighted that a major concern raised by the Financial Action Task Force (FATF), the global body overseeing money laundering and terrorist financing, is the possible misuse of virtual assets for money laundering.

CMA卢旺达许可和批准的经理Carine Twiringiyimana强调，全球负责洗钱和恐怖分子融资的金融行动工作组（FATF）提出的主要关注点可能是对洗钱的虚拟资产的滥用。

“The Financial Action Task Force is particularly worried that virtual assets could serve as a means for money laundering. This is why these regulations are being implemented – to reduce such risks and offer clear guidance to both the public and virtual asset service providers,” she said.

“金融行动工作组特别担心虚拟资产可以作为洗钱的手段。这就是为什么要实施这些法规的原因 - 降低这种风险并为公共和虚拟资产服务提供商提供明确的指导。”她说。