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全新的互联网金融模式国际资讯监管与政策

日本金融厅:计划对加密货币钱包服务进行监管

全新的互联网金融模式国际资讯监管与政策

日本金融厅:计划对加密货币钱包服务进行监管

据外媒今日报道,日本最高金融监管机构——日本金融厅(FSA),近日公布了将对加密钱包服务进行监管的计划,监管部门针对该计划提出了一系列的措施,并对这些措施的实施进行了阐述。

计划内容

日本金融厅在本周举行了第九次加密货币研究会议。根据该机构公布的会议材料了解到,本次会议的主要议题就是“计划将对加密钱包服务及其供应商实施监管”。

根据日本现行的《基金结算法》,企业要想在日本进行加密货币的相关业务(诸如购买和销售加密货币等),前提是必须在日本金融厅注册成为加密货币交易所,然而,对于钱包服务提供商的监管还尚未明确。

Itmedia写道:

“加密钱包就像是存储虚拟货币的银行账户。虽然钱包服务提供商(如交易所公司)处理大量的虚拟货币,然而他们并不是法律法规的监管目标。”

而日本金融厅表示,现行的法律并不适用于加密钱包服务提供商,因为他们并不会买卖加密货币,而只是为顾客提供管理和转移服务。金融厅又表示,由于他们管理支付行为,因此对他们进行相应金融监管是必要的。

会议公布的监管计划针对服务提供商,而不是软件钱包开发商或者硬件钱包提供商。大多数钱包都是以代码的形式存在,在其背后没有明确的管理者或公司。

同时,日本金融厅还表示,此项对钱包服务实行监管也将符合金融行动特别小组(FATF)所制定的防洗钱和资助恐怖主义融资的国际标准。该机构还说明:

“该监管必须实行FATF修订标准,同时也将采纳FATF对加密货币交易所、加密钱包服务提供商以及首次代币供应发行机构等所提出的建议。”

计划实施

会议期间也对钱包服务相关的风险进行了讨论,例如网络攻击中资金被盗风险、钱包失效风险、洗钱风险,以及其他加密货币交易所中共有的风险等。

此次会议讨论后可能强制服务供应商执行的措施包括内部控制系统的维护、对隶属于服务提供商或客户的加密货币进行独立管理、审计财务报表、责令机构在发生黑客盗取资金时发布对应政策,并预留相应资金以偿还客户。

会议小组还对引入加密钱包监管的过渡期进行了讨论。并表示在此期间,服务提供商将不能添加新业务、客户以及所支持的代币。此外,服务提供商也必须在他们的网站内上传关于他们注册状态的公告。且根据会议文件,那些拒绝登记的供应商必须在他们的网站上做出声明并移除相关的业务。

Japan’s top financial regulator, the Financial Services Agency, has unveiled a plan to regulate cryptocurrency wallet services. The regulator has put forward a number of regulatory measures as well as proposing how to implement them.

The Plan

The Financial Services Agency (FSA) held its ninth cryptocurrency study group meeting on Monday. According to the agency’s published meeting materials, one of the main topics on the agenda was a plan to regulate crypto wallet services and their providers.

Currently, Japan’s fund settlement law requires businesses conducting cryptocurrency-related activities in the country, such as buying and selling, to register as crypto exchanges with the FSA.

“Wallets are like bank accounts that store virtual currencies,” Itmedia publication elaborated. While wallet service providers “handle large amounts of virtual currencies like exchange companies,” the publication noted that “they are not targeted by laws and regulations.”

The FSA explained that the current law does not apply to wallet service providers since they do not buy or sell cryptocurrencies — they merely manage and transfer them for customers. However, since they manage payments, the agency believes that financial regulation is necessary.

The plan unveiled at the meeting focuses on service providers — not software wallet developers or hardware wallet manufacturers. Many wallets exist only as code and are without identified leadership or companies behind them.

The regulations for wallet services will be in line with the international standards for preventing money laundering and terrorism financing set by the Financial Action Task Force (FATF), the FSA detailed. The agency wrote that the “revised FATF standards” must be imposed, including their recommendations relating to crypto exchanges, wallet service providers, and initial coin offering issuers.

The Implementation

The group proceeded to discuss the risks associated with wallet services, such as stolen funds during cyber attacks, wallet failures, money laundering, and other risks shared by crypto exchanges.

Possible regulatory measures include the maintenance of internal control systems, separate management of cryptocurrencies belonging to the service providers and customers, audits of financial statements, publication of policies in the event of stolen funds in a hack and retaining funds to repay customers.

The transition period for introducing wallet regulations was also discussed. During this time, service providers would not be able to add new businesses, customers, or coins supported. In addition, they must post notices on their websites regarding their registration status. Those refusing to register must declare on their websites and “indicate that the business will be abolished,” according to the meeting document.

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