MDC 发表评论文章：数字钱包监管——美国支付应用新规对博彩交易意味着什么

Core Insights - The new regulation from the Consumer Financial Protection Bureau (CFPB) targets large non-bank digital wallet and payment application providers, significantly impacting the management and regulation of online gambling payments [1][2] - The regulation applies to entities processing over 50 million transactions annually, covering over 13 billion consumer payment transactions each year [1][2] Group 1 - The CFPB has signaled that digital wallet providers must meet consumer protection standards equivalent to those of banks, leading to stricter compliance requirements for licensed gambling operators [1][2] - The intersection of digital wallets and the gambling industry is becoming central, especially for low deposit threshold gambling platforms, necessitating operators to evaluate payment partners based on their ability to meet bank-level regulatory standards [2] - The industry is witnessing a trend towards account-to-account (A2A) payments, which allow direct transfers between player bank accounts and gambling accounts, expected to grow significantly in the next two years [2] Group 2 - The new regulation serves as a policy adjustment and a signal to the industry that payment strategies must be future-proof, with operators prioritizing secure and auditable payment processes likely to gain a competitive advantage [2] - MDC advises licensed gambling operators and digital wallet providers to thoroughly review the CFPB's final rules and assess their potential impacts on payment integration, data security, and player trust [2][3]