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新加坡:加密货币支付服务监管框架终尘埃落定

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新加坡:加密货币支付服务监管框架终尘埃落定

新加坡央行新加坡金融管理局( MAS)周一宣布,已最终确定了有关支付服务的新监管框架。该央行解释说,《支付服务法案》(Payment Services Bill)“将为支付服务的创新提供更有利的环境,同时确保降低整个支付价值链的风险”。据《海峡时报》(Straits Times)报道,该法案是由教育部部长和金融管理局理事会成员Ong Ye Kung提交给议会的。

媒体表示,加密货币服务提供商不属于现行监管范围,但有望在新的监管框架下获得许可。该框架预计将影响到电子钱包和类似Grabpay、比特币和以太币这样的电子支付货币,《海峡时报》补充道:

受该法案监管的活动包括开立帐户和发行电子货币、在新加坡境内和境外转账、收购使用其平台的商家、兑换货币、交易以及数字支付代币(如比特币)等的交易活动。

根据新加坡央行的声明,该法案包括两个平行的监管框架。首先,出于金融稳定和效率等原因,央行可以对具有系统重要性的支付系统进行监管。另外要求零售支付服务提供商获得许可证。新加坡金融管理局指出,每个服务提供商在任何时间点都需要一个许可证。

《海峡时报》详细阐述道,支付服务提供商必须申请货币兑换商、标准支付机构或主要支付机构经营许可证。对于货币兑换商和标准支付机构主要针对洗钱和恐怖主义融资风险进行监管,而针对主要支付机构的监管则更为全面。支付服务提供商可以根据他们的交易量申请成为标准或主要的支付机构。

“新法案生效后,新加坡金融管理局将允许支付服务提供商有长达12个月的过渡期来遵守这些变化。而对于那些提供数字支付代币的服务商,给予过渡的时间只有6个月。”

The central bank of Singapore has finalized the country’s new regulatory framework for payment services, which now includes cryptocurrency. Crypto payment service providers, which fall outside of the current regulatory framework, will need to be licensed under the new regime.

Regulating Crypto Payment Services

The Monetary Authority of Singapore (MAS), the country’s central bank, announced on Monday that it has finalized the new regulatory framework for payment services. The Payment Services Bill “will provide a more conducive environment for innovation in payment services, whilst ensuring that risks across the payments value chain are mitigated,” the central bank explained. The bill was submitted to parliament by Education Minister and MAS board member Ong Ye Kung, the Straits Times reported.

Cryptocurrency service providers that fall outside of the current regulation can expect to be licensed under the new regulatory framework, the publication described. “It is expected to affect electronic wallets and digital payment tokens such as Grabpay, bitcoin and ethereum,” the news outlet added, noting:

Activities to be regulated by the bill include the issuing of accounts and electronic money, the transfer of money within and out of Singapore, the acquisition of merchants who will use their platform, money changing, and the dealing in and exchange of digital payment tokens such as bitcoin.

Parallel Frameworks and Licenses

According to the central bank’s announcement, the bill comprises two parallel regulatory frameworks. The first enables the central bank “to regulate systemically important payment systems for financial stability as well as efficiency reasons.” The other requires retail payment service providers to be licensed. One license is needed per service provider at any point in time, the MAS noted.

The Straits Times detailed that payment service providers must apply for a license as either a money-changer, a standard payment institution, or a major payment institution. The former two will be regulated primarily for money laundering and terrorism financing risks while the latter more comprehensively. “Payment service providers can apply to be a standard or major payment institution, depending on their transaction volumes,” the publication conveyed, elaborating:

The MAS will allow up to 12 months for payment service providers to comply with the changes after the new Act is in force. Those who provide digital payment tokens will be given six months to comply.

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