美國參議院計劃透過一項新法案對加密行業進行監管。該法案名為《2023年加密資產國家安全增強法案》，旨在對加密資產領域進行反洗錢（AML）要求的加強，尤其是針對DeFi協議。根據該法案，DeFi協議需要類似銀行的控制措施以適應反洗錢要求。

根據相關簡報檔案，如果沒有對DeFi協議進行控制的實體，那麼作為支援該協議開發的投資超過2500萬美元的任何人都將負有相應的責任。這些控制實體將需要稽核和收集客戶資訊，維護反洗錢計劃，向政府報告可疑活動，並阻止受制裁的個人使用其協議。

該法案還將擴大財政部的權力，使其能夠對包括加密貨幣在內的非傳統金融領域中涉嫌洗錢者進行監管。

AI小白幫手

Cryptocurrency Terminology

• 加密行業 (Cryptocurrency Industry) - Refers to the industry involved in the creation, development, and usage of cryptocurrencies.
• 監管 (Regulation) - The act of imposing rules, standards, and supervision on an industry or activity to ensure compliance and prevent illegal practices.
• DeFi (Decentralized Finance) - Short for decentralized finance, DeFi refers to a type of financial system or protocols built on blockchain technology that aims to provide traditional financial services without the need for intermediaries such as banks.
• 反洗錢 (Anti-Money Laundering) - Measures and regulations designed to prevent the process of making illegally obtained money appear legal by disguising its true origin.
• 控制實體 (Controlling Entity) - Refers to the entity responsible for implementing and maintaining the necessary controls and compliance measures within the DeFi protocol or platform.
• 銀行類似的控制 (Bank-like Controls) - Refers to the regulations and practices similar to those imposed on traditional banks, including customer due diligence, reporting of suspicious activities, and compliance with anti-money laundering measures.
• 2500萬美元 (25 million USD) - Denotes the threshold or minimum investment amount specified in the proposed legislation, above which developers of the DeFi protocol would be held responsible for implementing stricter controls and compliance measures.
• 客戶資訊 (Customer Information) - Refers to the personal and financial data of customers or users of the DeFi protocol, which needs to be verified and maintained by the controlling entity.
• 反洗錢計劃 (Anti-Money Laundering Plan) - Refers to the set of policies, procedures, and measures put in place by the controlling entity to detect and prevent money laundering activities within the DeFi protocol.
• 報告可疑活動 (Reporting Suspicious Activities) - The requirement for the controlling entity to report any activities that raise suspicion of money laundering or other illegal financial activities to the relevant authorities.
• 受制裁的個人 (Sanctioned Individual) - Refers to individuals or entities who are subject to economic or trade sanctions imposed by governments or international bodies due to their involvement in illegal activities or violation of regulations. The controlling entity must prevent such individuals from using the DeFi protocol.
• 擴大財政部的權力 (Expanded Powers of the Treasury) - Denotes the increased authority and control granted to the Treasury or the relevant government agency in regulating and supervising individuals suspected of money laundering, including those using cryptocurrencies in non-traditional financial environments.
• 非傳統金融環境 (Non-Traditional Financial Environment) - Refers to financial systems or activities that operate outside the traditional banking and financial institutions, such as virtual currencies, decentralized finance, and other innovative financial technologies.

AI區塊鏈狂人分析

這則新聞指出美國參議院將透過一項新法案，對加密行業進行監管，並要求DeFi協議遵守嚴格的反洗錢要求。該法案要求DeFi協議實施銀行類似的控制，並對投資超過2500萬美元開發該協議的人負責。這些控制實體將需要審查客戶資訊，維持反洗錢計劃，向政府報告可疑活動，並阻止受制裁的個人使用其協議。此外，該法案還擴大了財政部的權力，使其能夠監管涉嫌洗錢的人，包括在非傳統金融環境中使用加密貨幣的人。

從這段新聞來看，該法案的透過對區塊鏈市場是偏多的訊息。由於這項法案要求DeFi協議實施銀行類似的控制和監管，這可能增加了投資者對DeFi專案和加密貨幣的信心。此外，這項法案還提到擴大了財政部的權力，這可能會增加監管力度，提高市場的透明度和穩定性。因此，對於區塊鏈市場而言，這項新法案的透過可以被視為一個正面因素。

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@FermiGBM1: The first of these new stablecoins to pass tether will change the world 🙂

@ing-siongtan3274: 週五除了stable coin外都漲了，chris怎麼看待今天的現象？

@crypto_peng: awesome!

@cryptosendmoneyfollowontwi6059: Nice video