#欧盟隐私币禁令

In May 2025, the European Union officially passed the Anti-Money Laundering Regulation (AMLR), which is set to fully ban anonymous cryptocurrency accounts and privacy coins, such as Monero (XMR), Zcash (ZEC), and Dash, from July 1, 2027. The legislation aims to strengthen the regulation of crypto assets and enhance transaction transparency to combat money laundering and illegal financial activities.

According to Article 79 of the AMLR, financial institutions, banks, and cryptocurrency asset service providers (CASPs) will be prohibited from maintaining or managing anonymous accounts and are not allowed to support any cryptocurrencies intended to conceal the source of transactions or the identity of recipients. Furthermore, all cryptocurrency transactions exceeding €1,000 must undergo identity verification.

To ensure the effective implementation of the regulation, the EU will establish an Anti-Money Laundering Authority (AMLA) to directly oversee CASPs operating in at least six member states, with over 20,000 users or an annual transaction volume exceeding €50 million. This initiative marks a significant step for the EU in terms of crypto regulation and could have a major impact on the market demand and prices of privacy coins.

However, this move has also raised concerns about financial privacy rights. Critics argue that a complete ban on privacy coins could limit the ability of journalists, dissenters, and individuals living under oppressive regimes to protect their financial privacy. With the implementation of the regulation, decentralized platforms and self-custody wallets may become alternatives for users seeking privacy protection.

Overall, this policy reflects the EU's tough stance on the regulation of crypto assets, aiming to balance financial transparency with personal privacy.