Os pagamentos criptográficos agora podem ser rastreados como transferências bancárias regulares


Pagamentos criptográficos agora podem ser rastreados como transferências bancárias sob a nova lei da UE Siôn Geschwindt História de Siôn Geschwindt

O Parlamento da UE concordou na semana passada com o primeiro conjunto abrangente de regras do mundo para regular a transferência de criptomoedas como o Bitcoin, com o objetivo de reprimir a lavagem de dinheiro e as transferências ilegais no bloco.


A partir de 2024, todas as transferências criptográficas, independentemente do valor, serão cobertas pela chamada ‘regra de viagem’ — informações sobre a origem do ativo e seu beneficiário terão que viajar com a transação e ser armazenadas em ambos os lados da transferência .


The regulation requires firms that want to issue, trade, and safeguard crypto-assets, tokenised assets, and stablecoins in the 27-country bloc to obtain a licence.


“Recent events have confirmed the urgent need for imposing rules which will better protect Europeans who have invested in these assets, and prevent the misuse of the crypto industry for the purposes of money laundering and financing of terrorism,” said Swedish finance minister Elisabeth Svantesson.


MiCA — as the new regulation is known — is designed to ensure that crypto transfers within the EU can be traced in much the same way as ordinary bank transfers. Furthermore, they are meant to protect investors by increasing transparency and putting in place a comprehensive framework for issuers and service providers including compliance with the anti-money laundering rules.


The new rules also require crypto-asset service providers to share mandatory information with tax authorities through an automatic exchange. However, they do not apply to person-to-person transfers conducted without a provider or among providers acting on their own behalf.


Additionally, the European Securities and Markets Authority (ESMA) will be given powers to step in and ban or restrict crypto platforms if they are seen to not properly protect investors, or threaten market integrity or financial stability.


Cryptocurrencies like Bitcoin trace transactions via a blockchain record. While all transactions are recorded in a publicly-accessible ledger, they can only be traced back to a user’s public key, not their real-world personal information. This pseudo-anonymity is what drew many to invest in crypto in the first place, but it poses a number of risks.


Atualmente, ao lidar com ativos criptográficos, as pessoas não estão cobertas pelas regras de proteção ao consumidor da UE e correm o risco de perder dinheiro. Além disso, a UE teme que o uso generalizado de criptomoedas possa gerar instabilidade financeira, manipulação de mercado e crimes financeiros.


Em 2022, a quantidade de criptomoeda obtida ilegalmente ou para grupos ou indivíduos usarem para fins ilícitos – incluindo terrorismo e tráfico humano – ficou em pouco mais de US$ 20 bilhões, de acordo com a Chainalysis, uma plataforma que fornece dados sobre a tecnologia blockchain.


A tecnologia também usa grandes quantidades de eletricidade: estima-se que o consumo de energia do bitcoin seja igual ao de um pequeno país.

‘As primeiras regras criptográficas abrangentes do mundo’

So far, policies worldwide have ranged from ignoring to fully banning the use of cryptocurrencies. The UK has outlined a phased approach, starting with stablecoins and broadening out to other crypto-assets later on, but there is no firm timeframe. Meanwhile, the US has taken somewhat of a ‘case by case’ approach to the matter like prosecuting individuals or working to recover ransomed funds.


In a departure from the global trend, MiCA is slated to be the world’s first comprehensive set of rules to regulate crypto-assets. This is part of a package of legislative proposals to strengthen the EU’s anti-money laundering and countering terrorism financing rules, presented by the Commission in 2021. The package also includes a proposal to create a new EU authority to fight money laundering.


MiCA also addresses environmental concerns surrounding crypto, with firms forced to disclose their energy consumption as well as the impact of digital assets on the environment.


Rather than scaring away crypto firms, MiCA is expected to attract both startups and prominent businesses, setting the stage for more healthy competition.


De acordo com a Reuters , as empresas de criptomoedas dizem que dão as boas-vindas à “certeza na regulamentação”, pressionando os países a copiar as regras da UE e os reguladores a criar normas globais para atividades transfronteiriças.


Brinda Paul, diretor de conformidade da empresa australiana de ativos criptográficos Banxa, disse à CryptoPotato que acredita que a MiCA “estabelece um alto padrão para proteção do consumidor”, o que criará um mercado criptográfico mais confiável e confiável e “beneficia imensamente os clientes”.


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Source: https://thenextweb.com/news/crypto-payments-can-now-be-traced-like-bank-transfers-under-new-eu-law

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