Эксперты разъяснили: правила AMLR не запрещают самостоятельное хранение криптовалют и P2P-транзакции

cryptonews.ruPublicado em 2025-11-25Última atualização em 2025-11-25

В сети вновь распространились заявления о том, что будущие правила Регламента Европейского Союза по борьбе с отмыванием денег (AMLR) якобы запрещают self-custody кошельки и анонимные транзакции с Bitcoin и другими криптовалютами. Однако представители индустрии и эксперты опровергают эти слухи, называя их дезинформацией. Старший директор по стратегии Circle в ЕС Патрик Хансен отметил: утверждения о «запрете» не соответствуют действительности и основаны на неверной интерпретации законопроекта.

Согласно разъяснениям, AMLR, вступающий в силу ориентировочно летом 2027 года, вводит строгие меры KYC/AML только для криптоактивных сервис-провайдеров (CASPs) — таких как биржи и кастодиальные платформы. Документ не распространяется на пользователей, которые самостоятельно хранят свои токены в аппаратных или программных кошельках, например Ledger или MetaMask. Также в правилах сохраняется возможность P2P-транзакций без посредников.

Помимо этого, AMLR устанавливает лимит наличных платежей в размере €10 тыс., оставляя за странами Евросоюза право вводить более низкие пороги. Первоначальные предложения, предполагавшие ограничения на self-custody и включение DeFi-платформ в сферу регулирования, были смягчены благодаря усилиям отраслевых лоббистов.

Несмотря на официальные разъяснения, пользователи указывают, что некоторые кошельки, включая Tangem или Zeal, уже начали внедрять процедуры KYC по собственной инициативе. По словам аналитиков, такие меры отражают не требования закона, а добровольное стремление компаний соответствовать максимально строгим стандартам.

Эксперты подчеркнули: цель AMLR — не ограничение свободы юзеров, а защита клиентов от мошенничества и обеспечение прозрачности при работе с централизованными платформами. Закон разделяет посреднические сервисы, обязанные соблюдать комплаенс, и личное владение цифровыми активами, которое остается вне регулирования. Тем не менее, в криптосообществе сохраняются опасения, что государства ЕС могут дополнительно ужесточить правила на уровне национальных законов.

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