FATF警告：全球监管漏洞正让加密货币成犯罪温床

Core Insights - The Financial Action Task Force (FATF) issued a stern warning regarding the regulatory gaps in cryptocurrency, particularly stablecoins, which could become a primary channel for cross-border illicit funds, threatening global financial stability [1][4] - As of June 27, the global cryptocurrency market capitalization reached approximately $3.28 trillion, highlighting the urgency of addressing regulatory weaknesses [2] Stablecoin Misuse - Stablecoins are rapidly replacing other cryptocurrencies as the main payment and money laundering methods for criminal organizations, terrorist financing networks, and drug trafficking [4] - In 2024, illegal cryptocurrency wallet addresses received about $51 billion, marking a historical high, indicating a significant influx of illicit funds into the crypto ecosystem [4] - Criminals utilize techniques such as mixing services, cross-chain bridges, and anonymous wallets to obscure their identities, complicating law enforcement tracking efforts [4] - The Bank for International Settlements (BIS) identified three systemic flaws in stablecoins: erosion of monetary sovereignty, transparency issues regarding asset reserves, and lack of settlement functionality [4] Global Regulatory Progress - Despite the imminent risks, global regulatory responses are severely imbalanced, with only 40 out of 138 jurisdictions achieving "basic compliance" as of April this year, which is less than 30% [6] - FATF emphasized that the borderless nature of virtual assets means that regulatory failures in one jurisdiction can have global repercussions [6] - FATF encourages countries to implement Know Your Customer (KYC) measures for virtual asset platforms, establish registration systems for Virtual Asset Service Providers (VASP), and enhance regulation of decentralized finance (DeFi) [6] - Countries like Turkey and the EU are taking swift actions to address compliance gaps, with Turkey mandating identity verification and transaction disclosure for VASP and the EU advancing regulatory frameworks like the Markets in Crypto-Assets Regulation (MiCA) [6][7] Regional Developments - Asian countries such as Singapore and South Korea are strengthening compliance regulations for VASP registration, KYC obligations, and DeFi platforms, aiming to balance fintech innovation and security [7] - According to PwC, 2025 is projected to be a pivotal year for global cryptocurrency regulation, transitioning from principle-based frameworks to enforceable regulations, with comprehensive cross-border law enforcement collaboration expected to commence [7]