最有看点的互联网金融门户

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全新的互联网金融模式国际资讯监管与政策

以色列银行面临加密货币新规

全新的互联网金融模式国际资讯监管与政策

以色列银行面临加密货币新规

以色列推出新规,要求银行加强对加密货币交易的监控,尤其是涉及在线赌博网站的交易。

上周,以色列司法部下属禁止洗钱和资助恐怖活动部门公布了一份立法草案。该份草案与6月1日生效的监管金融资产服务提供商的金融服务监管法案相关。

截止6月13日,草案接受公开审议。这份草案穷列举了"看起来非正常的"加密货币交易,而包括加密货币交易平台在内的多个以色列金融机构都被要求要监控这些交易并向执法部门报告。

这些可能"非正常的"交易中包括"向在线赌博平台和网站转账虚拟货币"。以色列严厉禁止在线赌博,尽管很多在线赌博公司将技术和支持部门放在该国。

草案中列举了36种其他"非正常的"加密货币行为,包括单笔向某数字钱包转账超过5000新谢克尔(1400美元),这个限额实在非常低。即使是多疑如美国,需要报告的可以转账限额也定在了1万美元。

如果多笔转账以规避5000新谢克尔的限额同样也会引起警报,此种行为被描述为"同一服务接收方一系列的行动,旨在规避报告限额要求"。

金融机构必须保有他们客户加密货币活动的5年记录,包括他们的数字钱包地址、IP地址以及所有交易记录明细。同时,以色列有关机构还声明,禁止使用Zcash和Monero等匿名货币。

这些新规定虽然十分严苛,但是为以色列加密货币领域带来了一些急需的清晰性,金融机构可以评判并放心处理哪些加密货币交易时是符合法律规定的。以色列银行对加密货币一直不太信任,即使法院判决不允许银行关闭加密货币活动账户。

Israel has introduced new regulations that will require banks to increase their monitoring of cryptocurrency transactions, particularly if they involve online gambling sites.

Last week, Israel's Money Laundering and Terror Financing Prohibition Authority, an offshoot of the Ministry of Justice, released a draft of new legislation in tandem with the June 1 implementation of the Financial Services Supervision Law, which regulates financial asset service providers.

The draft legislation, which is up for public comment until June 13, provides an exhaustive list of cryptocurrency transactions "that may appear to be unusual," and which Israeli financial institutions - including cryptocurrency trading platforms - are required to monitor and report to law enforcement agencies.

Among these potentially 'unusual' transactions are the "transfer of virtual currencies to online gambling platforms and sites." Online gambling is strictly forbidden in Israel, despite the country being a popular base for online gambling companies to base their technology and support staff.

There are 36 other 'unusual' crypto activities cited in the draft, including any individual transfer to a digital wallet over NIS5k (US$1,400), a ludicrously low threshold. Even the trust-free zone that is the United States sets the threshold for suspicious transaction reports at $10k.

Attempts to split up a transfer to get under the NIS5k threshold, described as a "sequence of actions of the same service recipient whose purpose appears to be to circumvent the reporting requirement," will raise similar red flags.

Financial entities will also have to keep five years' worth of records on their customers' crypto activity, including their digital wallet addresses, IP addresses, and all details of their transaction history. The use of anonymous currencies such as Zcash and Monero will remain forbidden.

As draconian as the new rules might be, they will provide some badly needed clarity to Israel's crypto sector and some measure of assurance that financial institutions are acting within the law in processing crypto transactions. Israeli banks have been skittish about dealing with crypto, even in the face of court orders preventing banks from closing crypto business accounts.


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