fincen

🏦 US kills its $10K self-custody wallet rule: $BTC at $86.3K
• FinCEN withdrew the plan, stuck since Dec 2020
• Banks and exchanges would have reported wallet sends over $10K
• A 2023 crypto-mixer crackdown proposal was pulled too
• $ZEC leads Binance spot volume: $1,373, +3.6% today
🎯 My take: ZEC over $1,375 (50 EMA) opens $1,450; losing $1,270 = weak
💬 Does this push you to keep coins in your own wallet? 👇
#SelfCustody #FinCEN #Zcash

the US just dropped a crypto rule that sat on the table for almost 6 years.

the 2020 plan: send more than $10,000 between a US exchange and your own wallet, and it gets reported to FinCEN. records kept from $3,000. smaller transfers counted too if they added up past $10k in 24 hours.

it never took effect. this week Treasury withdrew it, along with a 2023 proposal aimed at mixers.

honestly this matters more than most of today's headlines. moving $BTC to a wallet you control shouldn't come with paperwork.

the catch: nothing stops Treasury from proposing something similar later. Coin Center already pointed that out.

where do you keep most of your coins, on an exchange or in your own wallet?

$BTC
NFA. DYOR.

#FinCEN #SelfCustody #CryptoRegulation #CryptoNews

【政策轉向與自託管紅利】美國 FinCEN 正式撤回非託管錢包與混幣監控草案：長達六年監管陰霾消散，加密自主託管迎制度性鬆綁

美國財政部金融犯罪執法局（FinCEN）於 10 月 5 日正式公告，撤回兩項爭議長達數年的加密資產重大監管擬議規則（NPRM），並已提交《聯邦公報》完成撤銷登記。此舉象徵著美國聯邦監管層面對「非託管錢包（Unhosted Wallets）」與「鏈上混幣服務（Crypto Mixing）」的穿透式申報要求宣告終結。

■ 撤回規則之核心範疇與背景回溯：
1. 2020 年非託管錢包交易申報草案：該規則原擬強制受監管銀行與貨幣服務機構（MSBs），對涉及非託管錢包超過 3,000 美元的交易記錄交易對手個人身分（KYC），且對單日累計逾 10,000 美元之存取提現強制提交貨幣交易報告（CTR）。該提案因直接衝擊去中心化點對點結算本質，過去六年來引發產業強烈反彈。
2. 2023 年愛國者法案第 311 條混幣草案：該規則原計畫將國際可兌換虛擬貨幣混幣交易直接列為「主要洗錢疑慮（Primary Money Laundering Concern）」，要求金融機構全面蒐集混幣關聯的 IP 位址、錢包位址與交易雜湊等全維度監控數據。

■ 監管撤回動因與官方裁量裁定：
- 避免合法經濟活動之「寒蟬效應（Chilling Effect）」：FinCEN 於撤銷通知中特別引述公眾反饋與 2025 年總統數位資產市場工作小組報告，坦承混幣技術雖然可能被非法分子利用，但對注重金融隱私的合法用戶亦具備不可或缺的合理用途；過度寬泛的監管定義已對正當金融活動產生過度壓制。
- 契合聯邦去監管戰略（Deregulatory Agenda）：此次撤回符合當前政府確保數位資產規則「契合目標且具適配性（Fit-for-purpose）」之施政綱領，徹底終止對相關草案的行政程序推進。

■ 機構投研視角與結構性影響拆解：
- 自託管生態的「法律合規折價」出清：過去幾年機構在配置鏈上原生資產與架構冷錢包金庫時，始終承受著非託管錢包可能被強制 KYC 追溯的潛在政策尾部風險。草案的正式廢止，實質為 Ledger、Trezor 及各類智能合約託管架構移除了長期制度性天花板。
- 鏈上隱私賽道與 DeFi 結算空間釋放：將隱私增強技術從行政推定為「原罪」的預設立場轉向個案風險管理，為零知識證明（ZKP）、隱私帳戶抽象及跨鏈流動性架構提供了健康的發展喘息空間。
- 合規實務界線回歸理性：需注意此項撤回並未免除既有的反洗錢（AML）、了解你的客戶（KYC）或外國資產控制辦公室（OFAC）制裁責任。金融機構對高風險交易仍須維持基於風險的盡職調查，但無需再承擔事前預防性通報的巨額行政合規負擔。

#FinCEN #SelfCustody #CryptoRegulation #DeFi $BTC

美国财政部金融犯罪执法网络（FinCEN）于 10 月 5 日宣布，撤回针对加密货币混币交易的申报新规提案。该提案曾要求金融机构上报相关交易及其客户信息，范围甚至超出专用混币服务。FinCEN 同时撤回了 2023 年将国际加密混币认定为「主要洗钱关切」交易类别的结论。政策转向之际，司法部仍在纽约推进对 Tornado Cash 联合创始人 Roman Storm 的起诉。#加密货币 #监管 #FinCEN
（来源：X）

Mỹ rút hai đề xuất giám sát ví crypto cá nhân. $BTC vẫn đứng yên quanh 86.000 đô.

Bộ Tài chính Mỹ vừa rút lại hai quy định từng đề xuất nhưng chưa bao giờ thông qua: luật buộc báo cáo giao dịch với ví không lưu ký (ví cá nhân, không qua sàn) đề xuất từ 2020, và luật nhắm vào dịch vụ trộn coin đề xuất từ 2023. FinCEN, cơ quan chống rửa tiền của Bộ Tài chính, nộp thông báo rút cả hai hôm thứ Hai.

Coin Center, tổ chức vận động chính sách cho ngành crypto, gọi đây là một chiến thắng lớn cho quyền riêng tư tài chính. Hai quy định này nếu được thông qua sẽ buộc sàn báo cáo chi tiết các giao dịch rút về ví cá nhân vượt một ngưỡng nhất định — thứ ngành crypto phản đối suốt nhiều năm vì cho là bóp nghẹt quyền tự quản lý tài sản.

$BTC chưa cho thấy phản ứng rõ rệt, vẫn loanh quanh 86.000 đô như trước khi tin ra. FinCEN nói sẽ tiếp tục theo dõi rửa tiền và tài trợ khủng bố, có thể hành động lại sau này — tức đây chưa phải dấu chấm hết, chỉ là tạm gác.

Quan sát cá nhân, không phải lời khuyên đầu tư

#BTC #Crypto #FinCEN #CryptoRegulation #Bitcoin

🚨 Tesouro dos EUA retira propostas controversas de vigilância cripto!

A FinCEN retirou oficialmente duas propostas regulatórias que geravam grande incerteza no mercado:

1️⃣ Regra de 2020: Exigências sobre transações envolvendo carteiras sem custódia (unhosted wallets). 2️⃣ Proposta de 2023: Restrições e monitoramento sobre a mistura de moedas virtuais conversíveis (mixers).

💡 O que isso significa para o mercado?

Menos incerteza: Elimina dois grandes riscos regulatórios sobre a autocustódia e protocolos focados em privacidade.

Regulação mais adequada: A FinCEN afirmou que a decisão visa tornar a regulamentação dos ativos digitais mais eficiente e adequada à sua finalidade.

Uma grande vitória para a privacidade e descentralização no ecossistema cripto! 🛡️✨

#FinCEN $BTC #Bitcoin

【老韭观察】 #FinCEN
美国对加密监管，又出现一个重要变化。
美国财政部旗下FinCEN今天撤回了2023年提出的国际加密混币器监管方案。
原方案曾考虑把国际混币活动列为“主要洗钱关注事项”，并要求相关金融机构报告混币交易，包括钱包地址、交易哈希甚至IP地址。
但这次撤回的理由很直接：
监管部门担心定义过宽，会影响合法活动，同时给金融机构增加大量合规负担。
这不代表美国放弃监管。
但至少说明一件事：
美国现在开始重新区分“打击非法资金”和“不要把正常加密活动一起管死”。
对整个加密行业，这是一个偏正面的监管信号。$BTC $ETH

【美国突然撤回1万美元加密钱包申报规则！自托管钱包松绑了？🔥】

🌟 美国加密监管动向进群聊

美国加密监管最近出现了一个挺大的变化。

美国财政部旗下的FinCEN宣布，撤回一项已经讨论了近6年的加密钱包监管提案。

原来的方案是什么？

如果用户从交易所把超过1万美元的加密资产转到自己的自托管钱包，银行和加密服务商原本需要向监管机构报告相关交易。

现在，这项提案被正式撤回了。

简单说就是：

你把自己的BTC、ETH从交易所提到自己的钱包，这套额外的1万美元申报规则不会落地。

而且FinCEN这次还同时撤回了另一项针对加密混币服务的监管提案。

为什么突然撤回？

FinCEN表示，这是特朗普政府推动加密行业“去监管化”、建立更适合数字资产行业规则的一部分。

但这里有个重要细节：

撤回提案，不等于加密监管全面放松。

交易所现有的KYC、反洗钱和可疑交易报告等要求依然存在。

📌 所以这次真正值得关注的是：美国对自托管钱包的监管压力出现了阶段性缓和，但并不意味着Crypto进入“完全自由”的监管环境。

对于BTC和ETH持有者来说，真正重要的是接下来美国会不会继续推出更友好的自托管、稳定币和数字资产监管规则。
#FinCEN

FinCEN відкликав правило 2020 року про некастодіальні гаманці. воно й так ніколи не діяло)

5 жовтня зняли два проєкти правил:
- некастодіальні гаманці: записи понад $3000, звіт у FinCEN понад $10000
- 2023, міжнародні криптоміксери

Coin Center, який воював з обома, радіє
а в Decrypt той самий Coin Center каже: закон, під яким такі правила пишуть, нікуди не дівся

по міксерах FinCEN прямо пише, що стежитиме далі і може до цього повернутись

крч перемога паперова. правило 2020 придумала перша адміністрація Трампа, відкликала друга. наступна може передумати

KYC на біржі ніхто не скасовував. моїм BNB і стейблам у Flexible на Binance від цього ні холодно ні жарко
$BTC
за добу -0.5%, ринок плечима знизав

#FinCEN #гаманці #Регулювання

FinCEN dropping its aggressive crypto mixing proposal is a major quiet win for financial privacy advocates. The original plan risked overreaching and freezing entirely legal blockchain transactions just to catch bad actors. While compliance and anti-money laundering remain top priorities, regulators are finally realizing that sledgehammer policies hurt everyday users more than criminals. Striking the right balance between security and open-network freedom is essential for healthy crypto adoption moving forward. $BTC $ETH #CryptoRegulation #Privacy #FinCEN

The US Treasury is withdrawing controversial rules that would have forced financial institutions to report on self custody wallets and mixers, marking a massive win for user privacy and decentralization.

#FinCEN #SelfCustody ‎

Washington a bougé deux fois sur la crypto ce lundi 5 octobre: le FinCEN (Trésor américain) retire ses projets de règles sur les wallets auto-hébergés et les mixers, et la CFTC ouvre un cadre fédéral pour le trading crypto à levier des particuliers.

Le fil, pour mesurer le virage.

Décembre 2020, le FinCEN propose une vérification d'identité dès 3 000 $ échangés avec un wallet non hébergé, et une déclaration au-delà de 10 000 $ sur 24h.

Octobre 2023, deuxième projet contre le mixing international, avec reporting jusqu'aux adresses, hashes et IP (section 311 du Patriot Act).

Mars 2025, Tornado Cash sort de la liste des sanctions du Trésor.

Ce 5 octobre, les deux projets sont retirés, avis au Federal Register le 6 octobre (The Block). Le même jour, Mike Selig, président de la CFTC, présente Regulation CTX et Regulation CAM: des « crypto asset markets » pour le levier, la marge et le financement, proof-of-reserves sur les comptes omnibus, 60 jours de consultation (CoinDesk).

Ma lecture: pour qui garde ses $BTC ou $ETH en self-custody, c'est un risque réglementaire qui disparaît, pas un nouveau droit. Rien n'était finalisé, les obligations actuelles des institutions ne bougent pas. Et la CFTC ne touche pas au spot, tant que le Clarity Act reste bloqué au Sénat.

Le marché n'a pas réagi: $BTC vers 85 600 $ à 18h50 UTC (+0,3% sur 24h, CoinGecko), sous l'ouverture annuelle de 87 570 $.

Si les grands exchanges américains demandent le statut CAM, le levier retail revient sous supervision fédérale. Si la consultation traîne, statu quo, et le spot reste le trou du dispositif.

Selon vous, ce cadre CFTC peut-il ramener aux États-Unis les traders partis offshore pour le levier?

$BTC $ETH
#CFTC #FinCEN

FinCEN撤回了针对自托管钱包和混币器的严格申报提案，财政部这波松绑动真格。搁Gensler时代这文件差点就落地，现在连纸都不给你留。监管口子持续开大，隐私板块先受益，自托管权保住才是去中心化的底线，资金最吃这种确定性 🚀

$BTC $XMR #加密监管 #FinCEN #隐私板块

ABD Maliye Bakanligi'na bagli FinCEN, Asya merkezli organize dolandiricilik kampanyaarinin 12.7 milyar dolar degerinde kripto para birimiyle baglantili oldugunu duyurdu. Aylik bildirimlerin ortalama yuzde 18 oraninda artmasi, bu yasa disi faaliyetlerin ne kadar hizli buyudugunu gozler önüne seriyor. Uzmanlar, soz konusu yapilarin artik Guneydogu Asya'nin da disina yayildigina dikkat cekiyor. Yatirimcilarin bu tur dolandiricilik turevlerine karsi guvenlik onlemlerini artirmasi buyuk önem tasiyor. #CryptoSecurity #FinCEN #ScamAlert

#BPIUrgesFinCENExpandStablecoinIDRules 💸
مهلاً، ماذا?! الآن تريد البنوك الكبرى من FinCEN فرض إجراءات KYC على الأسواق الثانوية؟ هل يعني ذلك أن محافظ الحفظ الذاتي الخاصة بنا وDEXs وعمليات التداول عبر OTC ستكون التالية في قائمة حفلة الأوراق؟ 😱
يقولون إن ذلك لوقف التكنولوجيا غير المشروعة، لكننا جميعًا نعرف أنهم يريدون فقط تتبع كل عملة مستقرة تتحرك. ماذا ينبغي أن يفعل المتداول الفردي؟ ابقَ هادئًا، واصل التبديل، وتذكّر أن التقنية اللامركزية دائمًا تجد طريقة. لا تُهلِع ولا تبيع ممتلكاتك لمجرد أن البنوك في توتر! 🛡️
⚠️ NFA (ليس نصيحة مالية).

متابعة من فضلكم

#Stablecoins #FinCEN #defi
$BTC

Stablecoin KYC Rules Could Expand — What Crypto Traders Should Know 🚨

A new regulatory debate is heating up in the US.
The Bank Policy Institute (BPI) is urging FinCEN to apply customer-identification requirements to secondary stablecoin markets, including exchanges and other platforms that directly interact with customers.

The bigger question is what this could mean for DEXs, self-custody and stablecoin transfers if regulators expand these requirements further.

🔑 Why It Matters
🔹 More KYC requirements could mean greater compliance for crypto platforms.

🔹 Exchanges and other secondary-market participants could face additional regulatory obligations.
🔹 For traders, the direction of stablecoin regulation could become increasingly important.
💡 Key Takeaway
This is a regulatory proposal/debate, not a new rule that has already taken effect.
For now, traders should avoid panic and keep an eye on how FinCEN and US regulators respond.
$BTC $ETH $BNB
#FinCEN

FINCEN UNCOVERS $12.7B IN SUSPECTED FRAUD IMPACTING $CRYPTO MARKETS! 🚨 🔍

Financial watchdogs just pulled back the curtain on $12.7 billion in suspected illicit activity across 33,904 filings between late 2023 and late 2025. 📊 The heavy concentration links back to organized criminal networks operating out of Southeast Asia, highlighting how shadow capital flows impact global sentiment.

While headlines like this trigger initial friction, purging bad actors ultimately creates a cleaner venue for institutional capital to step in with size. 🛡️ Operational security and non-custodial discipline remain paramount while regulatory eyes fixate on tracking unverified order flow.

💬 Does aggressive enforcement like this pave the way for the next institutional bid, or are you preparing for tighter compliance headwinds? 👇

⚠️ Not financial advice. Always manage your risk. 🛡️

🏷️ #Crypto #CryptoNews #Security #FinCEN #MarketInsights

🛡️ 👁️

FinCEN is sounding the alarm as $12.7 billion is linked to massive crypto scam operations running out of Asian compounds. These organized crime rings are expanding their reach, signaling a major security threat.

#FinCen #CyberCrime ‎

#BPIUrgesFinCENExpandStablecoinIDRulesToSecondaryMarkets"
Crypto Perspective"} 🔎 A major regulatory debate is heating up around stablecoins. BPI is asking FinCEN to consider customer-identification rules for secondary-market participants, arguing that significant stablecoi activity happens beyond the issuer level. This could reshape how exchanges and other platforms handle compliance. For crypto users, the balance between financial security, privacy, and decentralization will be worth watching closely. 🚀
$BTC $ETH $USDT $USDC
#BPI #FinCEN #Stablecoins #KYC #CryptoRegulation #DeFi :::
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