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比特币应用程序Bottle Pay因即将实施的欧盟反洗钱法而关闭

2019-12-14 16:20

 

周五,比特币支付初创公司Bottle Pay关闭,原因是AMLD5欧盟规定将于2020年1月10日生效。


这款名为Bottle Pay的应用程序曾经允许用户通过社交媒体文本和手柄(从Twitter到Telegram)发送少量比特币。该项目的Telegram团队大约有974名成员。


据Block当时的报道,这家总部位于伦敦的公司在9月份筹集了200万美元。去年12月,该团队拒绝透露任何投资者的姓名,但表示这家初创公司已经为1万个用户账户提供了服务。


11月下旬,Bottle Pay终于发布了一个带有真实比特币的公开测试版,现在才意识到欧洲的新规定会极大地改变公司的发展方向。


“额外的数量和类型的个人信息我们将需要收集用户将从根本上改变目前的用户体验,所以,所以消极,我们不愿意强迫这到我们的社区,”该公司在一份声明中说,增加团队从来没有收取这项服务,增加了路由的费用或出售任何用户。

首先很多吗?


Bottle Pay并不是唯一一家受到这些规定影响的英国加密公司,这些规定要求用户进行严格的验证。同样,比特熊猫在周五宣布将推出新的用户注册流程。加拿大Cypherpunk Holdings Inc.的首席经济学家乔恩·马东尼斯(Jon Matonis)在推特上发文称,这项政策适用于保管加密钱包。


专注于隐私的钱包Samourai钱包并没有在任何特定的司法管辖区公开注册,今年早些时候,该团队在推特上表示,他们相信这项政策也适用于非保管钱包(尽管他们表示不会遵守)。


伦敦的法规遵从专家、加密行业组织全球数字金融(Global Digital Finance)的主管蒂娜•贝克尔-泰勒(Teana Baker-Taylor)表示,这项政策可能会迫使欧盟(eu)所有加密钱包提供商从用户那里收集了解你的客户的信息。


在谈到加密货币兑换和托管钱包时,她说它们将成为“有义务的实体”,类似于银行和其他经纪服务提供商。


“AMLD5禁止便利的(非对等的)匿名交易,”Baker-Taylor告诉CoinDesk。“托管钱包供应商和交易所将有义务实施客户尽职调查(包括KYC)和交易监控。他们还将被要求保持全面的记录和报告可疑的交易。”


来说大致在6月份全球cryptocurrency行业需要更多的监管,史蒂文Maijoor欧洲证券与市场管理局(欧洲证券与市场管理局)说,这是“重要风险预警和风险信息对消费者进入这些产品”——包括反洗钱过程和安排。


当被问及这一政策应如何具体实施时,迈约尔表示,这取决于欧洲银行管理局(European Banking Authority)的专业知识。


与此同时,Bottle Pay在推特上表示,所有用户都应该在未来两周内撤资。

 

The bitcoin payments startup Bottle Pay shut down on Friday, citing the AMLD5 European Union regulation coming into effect Jan. 10, 2020.

The Bottle Pay app once allowed users to send tiny amounts of bitcoin using just social media texts and handles, from Twitter to Telegram. There are roughly 974 members in the project’s Telegram group.

The London-based company raised $2 million in September, The Block reported at the time. Back in December, the team declined to name any of the investors but said the startup already served 10,000 user accounts.

Bottle Pay finally released a public beta with real bitcoin in late November, and just now realized new European regulations would dramatically alter the company’s roadmap. 

“The amount and type of extra personal information we would be required to collect from our users would alter the current user experience so radically, and so negatively, that we are not willing to force this onto our community,” the company said in a statement, adding the team never charged for this service, added routing fees or sold anything to users.

First of many?

Bottle Pay won’t be the only British crypto startup impacted by the regulations, which require a strict user verification process. Similarly, the exchange Bitpanda announced on Friday it will roll out a new user registration process. Jon Matonis, chief economist at Canada's Cypherpunk Holdings Inc., tweeted this policy applies to custodial crypto wallets. 

The privacy-focused wallet Samourai Wallet, which isn’t publicly registered in any specific jurisdiction, tweeted earlier this year the team believes this policy also applies to noncustodial wallets (though they said they would not comply with it).

Teana Baker-Taylor, a London-based compliance expert and director of crypto industry group Global Digital Finance, said this policy could force all crypto wallet providers in the European Union to collect know-your-customer information from users.

In reference to cryptocurrency exchanges and custodial wallets, she said they will become "obliged entities," similar to banks and other brokerage service providers.

"AMLD5 prohibits facilitated (non peer-to-peer) anonymous transactions," Baker-Taylor told CoinDesk. "Custodian wallet providers and exchanges will be obligated to implement customer due diligence (including KYC) and transaction monitoring. They will also be required to maintain comprehensive records and report suspicious transactions."

Speaking broadly in June to the need for more regulation in the global cryptocurrency industry, Steven Maijoor of the European Securities and Markets Authority (ESMA) said it’s “important to have risk warnings [and] risk information for consumers going into those products” – including anti-money-laundering procedures and arrangements. 

When asked how specifically that policy should apply Maijoor said deferred to the expertise of the European Banking Authority.

In the meantime, Bottle Pay tweeted that all users should withdraw their funds within the next two weeks. 

原作者: Leigh Cuen 来自: coindesk