中国人民银行、国家发展改革委、工业和信息化部、公安部、市场监管总局、金融监管总局、中国证监 会、国家外汇局等八部门联合发布《关于进一步防范和处置虚拟货币等相关风险的通知》（以下简称 《通知》）。2月6日晚间，中国人民银行、中国证监会有关负责人就《通知》相关问题回答了记者提 问。 （全2365字，阅读需要8分钟） 记者｜蔺丽爽 摄影｜蔺丽爽 编辑｜蔺丽爽 实习生｜王恋齐 出台背景 当有记者问《通知》的出台背景时，两部门相关负责人回答说，2021年，虚拟货币交易炒作活动盛行， 严重扰乱经济金融秩序，危害人民群众财产安全。按照党中央、国务院决策部署，中国人民银行联合有 关部门发布《关于进一步防范和处置虚拟货币交易炒作风险的通知》，坚决打击相关炒作行为，整顿行 业乱象，取得明显成效。 近期，受多种因素影响，虚拟货币交易炒作死灰复燃，现实世界资产代币化（RWA）相关投机活动也 时有发生，风险防控面临新形势、新挑战。为进一步完善监管政策体系，防范化解相关风险，切实维护 国家安全和社会稳定，八部门会同中央网信办、最高人民法院、最高人民检察院，在总结前期工作经验 的基础上，结合新的风险特征，对原文件进行修订完善，形成了本次发 ...

Cryptocurrency Overview - Cryptocurrency, such as Bitcoin and Ethereum, is a digital or virtual currency that utilizes cryptography [1] - Cryptocurrency can be purchased through popular crypto exchanges [1]

Regulatory Compliance - Coinbase is licensed for Virtual Currency Business Activity by the New York State Department of Financial Services [1]

Core Insights - The New York State Department of Financial Services (NYDFS) has mandated banks to incorporate blockchain analytics into their compliance programs to enhance oversight of digital assets [1][2] - This directive is a response to the increasing exposure of banks to digital assets and aims to mitigate risks associated with virtual currency activities [2][3] Group 1: Compliance Requirements - Banks are required to adopt blockchain monitoring tools to screen customer wallets, verify the source of funds, and monitor for potential money laundering and sanctions violations [3][4] - Institutions must compare expected customer activity with actual transactions and assess risks related to new crypto services or products [4] Group 2: Broader Regulatory Strategy - The directive is part of NYDFS's broader strategy to protect New York's financial system, which includes enhanced cybersecurity rules [5] - By November 1, 2025, banks must comply with updated cybersecurity regulations, including multi-factor authentication (MFA) to reduce risks of credential-based attacks [6]

Regulatory Scrutiny - Taiwan prosecutors are investigating a large-scale money laundering case involving a physical virtual currency exchange [1] - The case involves 14 individuals associated with the CoinW exchange [1] Financial Crime - The individuals allegedly assisted a fraud ring in converting cash into virtual currency [1] - Approximately $75 million (百万) was laundered over a year [1] - The fraud targeted over 1,539 victims [1]