南非的金融部门行为管理局已经在2022年10月宣布加密资产为金融产品

此举允许更好的监督，改善消费者的保护以及对加密货币的征税的清晰度。

The Financial Sector Conduct Authority already declared crypto assets as financial products in October 2022, with the aim to get crypto in line with South Africa’s regulatory framework. The move allowed for better oversight, improved consumer protection, and clarity on how crypto is taxed.

金融部门行为当局在2022年10月已经宣布加密资产为金融产品，旨在使加密货币符合南非的监管框架。此举允许更好的监督，改善消费者的保护以及对加密货币的征税的清晰度。

Crypto is here to stay, so Luno reckons it should be an investable local asset like stocks and bonds.

加密货币将留在这里，因此Luno认为它应该是可投资的本地资产，例如股票和债券。

Paul Harker, global head of legal and corporate strategy at Luno, in a statement this week, said, “Internationally, cryptocurrencies are now just another recognised asset class to invest in along with stocks, government bonds and fiat currencies.”

卢诺（Luno）法律和公司战略负责人保罗·哈克（Paul Harker）在本周的一份声明中说：“在国际上，加密货币现在只是另一个公认的资产类别，可以与股票，政府债券和法定货币一起投资。”

“In the current constrained fiscal reality, our government has little room to manoeuvre. Pro-growth and forward-looking decisions are essential.”

“在当前有限的财政现实中，我们的政府几乎没有空间的空间。培养和前瞻性决定至关重要。”

South African regulators have been cautious about introducing cryptocurrencies to the country’s financial system. Urging the treasury to recognise the potential of crypto, Luno says South Africa could find itself falling behind other markets in embracing crypto as a recognised asset.

南非监管机构对将加密货币引入该国的金融体系持谨慎态度。卢诺敦促财政承认加密货币的潜力，他说南非可能会发现自己落后于其他市场，因为它将加密作为公认的资产。

As per TechCentral, Luno urged finance minister Enoch Godongwana to help change this classification, claiming it would, at “no cost to the fiscus”, see the returns generated by these assets “reinvested in South Africa, which in turn will increase tax revenue”.

根据TechCentral的说法，Luno敦促财政部长Enoch Godongwana帮助改变这种分类，并声称它将“不付出任何费用”，请参阅这些资产所产生的回报，“反过来又增加了税收收入”。

Digital currencies are classified neither as onshore nor offshore assets, according to South African regulations. Luno said this “policy uncertainty” complicates the reporting of cross-border crypto transactions to the Reserve Bank.

根据南非法规，数字货币既不被归类为陆上资产，也不归类为近海资产。卢诺说，这种“政策不确定性”使向储备银行的跨境加密交易报告变得复杂。

Onshore assets typically refer to investments or assets that are held within the country’s borders. Recognising new assets, like Bitcoin, as “onshore" can have a positive effect on the local economy, reduce our reliance on foreign markets, and provide a certain measure of protection against geopolitical risks – and there are plenty of those at the moment.

陆上资产通常是指该国边界内持有的投资或资产。认识到像比特币这样的新资产，因为“陆上”可以对当地经济产生积极影响，减少我们对国外市场的依赖，并提供一定的保护措施，以防止对地缘政治风险的风险进行保护 - 目前有很多。

The South African Reserve Bank is still not quite ready to recognise crypto as “real money”, and Luno hopes to speed things up.

南非储备银行仍然不太准备将加密货币视为“真钱”，而卢诺希望能加快事情的速度。

“Ordinary South Africans and the fiscus have yet to experience the true benefit of the digital asset revolution that has boosted the economies of many other countries.”

“普通的南非人和菲斯斯尚未体验到许多其他国家经济的数字资产革命的真正利益。”

The Reserve Bank told TechCentral on Friday that the Intergovernmental Fintech Working Group are on it.

储备银行周五告诉TechCentral，政府间金融科技工作组正在其中。

“The classification of crypto assets as domestic or foreign for capital flow management purposes will form part of a framework to be decided on in due course.”

“用于资本流量管理目的的加密资产将加密资产的分类为国内或外国，将构成应在适当时候确定的框架的一部分。”

“In due course” might not be reassuring, but our banking systems have always been on the ball, so we remain hopeful.

“在适当的时候”可能并不令人放心，但是我们的银行系统一直都在球上，因此我们仍然充满希望。