#欧盟隐私币禁令

On May 3, 2025, the European Union officially passed the Anti-Money Laundering Regulation (AMLR), marking an important step in its regulation of cryptocurrency. The regulation will come into full effect on July 1, 2027, aiming to enhance the transparency and regulatory strength of cryptocurrency asset transactions to curb money laundering, terrorist financing, and other illegal financial activities.

According to the new regulations, the EU will prohibit all financial institutions and cryptocurrency service providers from offering anonymous cryptocurrency accounts or wallet services to users. This means that any account or wallet involving cryptocurrency assets must be linked to verified identity information to ensure traceability of transactions. Additionally, the regulation explicitly prohibits trading activities involving privacy coins (such as Monero, Zcash, Dash, etc.) which are considered to be possibly used for illegal purposes due to their high level of anonymity.

To further regulate the market, the new regulations require that all cryptocurrency asset transactions exceeding 1,000 euros (approximately 1,100 dollars) must perform mandatory identity verification (KYC, Know Your Customer). This will require both parties in the transaction to provide detailed identity information, which will be verified by relevant authorities to ensure the legality and transparency of the transaction.

At the same time, the EU will establish a new regulatory body—the Anti-Money Laundering Authority (AMLA), which will be specifically responsible for supervising and managing large cryptocurrency service platforms. The AMLA will have direct enforcement powers, enabling it to review, investigate, and penalize cryptocurrency trading platforms to ensure compliance with anti-money laundering and anti-terrorist financing regulations. The establishment of this body is seen as an important move for the EU to strengthen centralized regulation of the cryptocurrency industry.

The passage of this regulation has drawn widespread attention from the cryptocurrency industry. On one hand, supporters believe this will help improve compliance and credibility in the cryptocurrency market, attracting more traditional financial institutions to participate; on the other hand, critics worry that overly strict regulation may stifle innovation and push some cryptocurrency activities to regions with looser regulations. In the next two years, EU member states and relevant institutions will gradually improve supporting measures to prepare for the implementation of the new regulations.