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欧盟两大加密法案将颁布 进一步规范NFT、稳定币、DeFi
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先前欧盟加密法规《资金转移条例》、《加密监管草案》已来到最终第三阶段,对于非托管钱包追踪、NFT、稳定币都有进一步规范。业内人士认为法案重要性如同欧盟个资法GDPR,后者因为不存在网络地域性等特征,对全球造成重大

欧盟两大加密法案将颁布!进一步规范NFT、稳定币、DeFi

先前欧盟加密法规《资金转移条例》、《加密监管草案》已来到最终第三阶段,对于非托管钱包追踪、NFT、稳定币都有进一步规范。业内人士认为法案重要性如同欧盟个资法GDPR,后者因为不存在网络地域性等特征,对全球造成重大影响。

针对两项法案MiCA(Markets in Crypto Assets,加密资产市场)、TFR(The Transfer of Funds Regulation,资金转移条例)可参考先前报导。

两项草案围绕在欧洲议会、理事会、委员会之间,第三次,也是具最终决定性的会议将在6/30举行。持续追踪此议题的前Unstoppable Finance策略主管、现任Presight Capital顾问的Patrick Hansen整理了仍有讨论空间的议题。

NFT在监管范围内?

NFT可能会被列入MiCA框架中,监管方让步的结果是:

1、多数NFT发行方豁免。

2、NFT交易市场的应用服务需要加密资产服务提供商(CASP)牌照(交易量过低可能被豁免)。

稳定币不能有利息

几项要点:

1、算法稳定币也需被监管

2、电子货币代币(e-money-tokens,EMT)、资产挂钩代币(asset-referenced-tokens,ART)的发行商将面对高规格监管要求。

3、禁止加密资产服务提供商(CASP)针对稳定币发放利息。

除第三点引人关注外,若稳定币在支付上取得大规模进展,MiCA法案还为欧盟当局提供禁止发行稳定币的选项。

DeFi

在长期交涉后,Patrick Hansen指出正统DeFi将被排除在MiCA监管范围外。

委员会在2023年会发布一份独立报告,启动名为嵌入式DeFi监管的试行专案。

加密货币环境议题

如先前报导,比特币禁令已不在讨论中,但加密资产所列出的每个加密货币,皆必须有全面性的披露要求。

资金转移条例(TFR)

哪些交易、转帐需上报?

1、已取消先前的1,000欧元门槛,代表转账皆属于资金转移条例范围。

2、P2P交易(钱包对钱包)不在TFR范围内。

这里有几项待定议题:

1.加密服务提供商(CASP)要求仅需向AML当局报告自非托管钱包收到超过1,000欧元以上的转账。目前理事会不赞同,但最终可能妥协。

2.议会赞成CASP在处理交易时,将非托管钱包识别为非托管钱包对手方,理事会、委员会皆反对,并建议CASP应通过链上分析来解决洗钱风险,并根据分析结果采取应对措施。

Patrick Hansen指出,欧盟也会考虑英国等其他主要司法管辖区在相关议题的处理方式,先前英国财政部表示,追踪、搜集所有发送至私人钱包的信息,是不合理的。因此他认为议会在资金转移的议题上将让步。

为何两项法案重要?

Patrick Hansen强调,欧盟是第一个实施加密综合监管框架的主要司法管辖区。

他将此与欧盟推出的,号称史上最严个资法GDPR(General Data Protection Regulation,通用资料保护规定)相比,GDPR虽然主要在欧盟实施,但因为网络无国界的特性,法规实际上没有地域性可言。

他认为这两项法案在一定程度上会成为全球标准,也连带影响美国、其它国家的法规制定。

来源:金色财经

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:hug: :victory: :time: :kiss: :handshake: :call:
:) :( :D :'( :@ :o
:P :$ ;P :L :Q :lol
:loveliness: :funk: :curse: :dizzy: :shutup: :sleepy:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory:
:) :( :D :'( :@ :o
:P :$ ;P :L :Q :lol
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:hug: :victory: :time: :kiss: :handshake: :call:
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