# AML İlgili Makaleler

HTX Haber Merkezi, kripto endüstrisindeki piyasa trendleri, proje güncellemeleri, teknoloji gelişmeleri ve düzenleyici politikaları kapsayan "AML" hakkında en son makaleleri ve derinlemesine analizleri sunmaktadır.

Law Enforcement Claims CLARITY Act Helps Criminals. Industry Says They're Wrong.

U.S. law enforcement groups, including the National Sheriffs' Association, have repeatedly warned that the CLARITY Act's Section 604 (the "Blockchain Regulatory Certainty Act") creates broad exemptions from anti-money laundering (AML) and "know your customer" (KYC) rules for certain decentralized finance (DeFi) participants. They argue this could allow criminals, human traffickers, and sanctions evaders to exploit platforms designed to obscure digital asset transactions. The industry, represented by the Blockchain Association, strongly disagrees. Its director of strategy stated that Section 604 simply prevents the misclassification of developers of non-custodial software as money transmitters, provided they do not control user assets. She asserted the provision does not grant criminals immunity or hinder prosecution for financial crimes. This dispute has become a central issue as the Senate prepares for a vote. The law enforcement community is not unified, however. One major Black law enforcement group has endorsed the bill, and another sheriffs' organization shifted from opposing to a neutral stance on Section 604 after negotiations clarified its implementation. The outcome of this debate over developer liability is seen as critical to the bill's fate.

cryptonews.ru7 saat önce

Law Enforcement Claims CLARITY Act Helps Criminals. Industry Says They're Wrong.

cryptonews.ru7 saat önce

CLARITY Act Support Reaches 1 Million 7 Days Before Senate Recess

Stand With Crypto announced that its supporters have contacted lawmakers 1 million times to urge the Senate to pass the CLARITY Act before its August 7 recess. The milestone comes amid ongoing Senate disagreements over enforcement powers, financial conflicts of interest, anti-money laundering measures, DeFi, asset custody, and stablecoin provisions. Supporters frame the bill as a regulatory framework for federal agencies, while critics argue it could hamper state-level investigations and leave ethics gaps. Institutional backing from firms like BlackRock and Fidelity has grown, but Galaxy Research lowered its 2026 passage odds from 50% to 30%, citing disputes, Senate voting hurdles, and a tight legislative calendar. New York Attorney General Letitia James called for stricter crypto oversight, warning the CLARITY Act might limit state action against fraud. Senate Republicans counter that the bill preserves federal anti-fraud powers and extends Bank Secrecy Act rules to crypto intermediaries. A Senate minority analysis concluded the bill's ethics provisions would not affect former President Donald Trump's existing crypto ventures, fueling Democratic calls for broader rules on officials' digital asset holdings. With the Senate's August break approaching, lawmakers must reconcile public and institutional pressure for the bill with demands for stronger state controls, consumer protections, and ethics rules. Passing major legislation requires 60 votes, making bipartisan support crucial ahead of the recess.

cryptonews.ru08/01 09:46

CLARITY Act Support Reaches 1 Million 7 Days Before Senate Recess

cryptonews.ru08/01 09:46

Crypto at a Discount: Bitcoin in Russia May Become Cheaper Than the Global Market

A new cryptocurrency law in Russia, set to take effect on September 1, 2026, will establish a licensed environment for trading digital assets. While this aims to bring transparency, experts warn it could cause cryptocurrencies like Bitcoin to trade at a discount compared to global markets. This price gap is expected due to three main factors: sanctions-related risk labels attached to assets passing through Russian infrastructure, limited options to withdraw funds abroad, and an increased supply of coins from domestic miners who must sell locally. Arbitrage opportunities to profit from this price difference are likely to be impractical. The very same risk labels that create the discount would hinder transferring assets to foreign exchanges. Removing these labels is a slow, costly, and uncertain process, as compliance systems analyze the public blockchain history of addresses. Furthermore, the high costs of licensed intermediaries' fees, compliance checks, and administrative reporting would likely erase any potential profit margin from the arbitrage. Consequently, the Russian market may become an isolated circuit where digital assets are cheaper, but converting that discount into reliable earnings will be extremely difficult for most participants.

cryptonews.ru07/31 20:47

Crypto at a Discount: Bitcoin in Russia May Become Cheaper Than the Global Market

cryptonews.ru07/31 20:47

New York Attorney General Opposes CLARITY Act and Calls for Its Review

New York Attorney General Letitia James opposes the CLARITY Act, warning it would limit state law enforcement's ability to combat crypto fraud. She cites a tripling of crypto-related complaints and $500 million in losses in New York over five years. James argues the Act undermines local authority to pursue bad actors and calls on Congress to enact stricter regulations instead. Her proposed framework includes enforcing AML and user verification rules, banning access for foreign companies, prohibiting conversion to dollars for untraceable assets, and requiring platforms to monitor and report suspicious activity. She emphasizes that state and local agencies handle most law enforcement and that the Act would weaken investor protections. The bill is currently in the Senate, with consideration delayed due to other priorities.

cryptonews.ru07/28 09:31

New York Attorney General Opposes CLARITY Act and Calls for Its Review

cryptonews.ru07/28 09:31

SkyCapital Expands Cooperation with Crypto Services Amid Regulatory Changes

SkyCapital, a financial technology company, has announced an expansion of its partnership program for crypto services in response to new, stricter regulations coming into force in Russia in September 2026. The company will offer its infrastructure to other market participants to help them transition from anonymous P2P transfers to a more transparent, legally compliant business model. According to SkyCapital's managing director, Dmitry Galkin, the move addresses a growing industry demand. He explained that after the new law takes effect, services lacking proper KYC/AML checks, anti-fraud protection, and SBP (Russia's Fast Payments System) acquiring will only be able to operate under a transitional period. Ultimately, they will face a clear choice: adapt with compliant infrastructure or shut down. The partnership model allows other crypto services to maintain their own brand and customer interface while utilizing SkyCapital's backend infrastructure. This includes SBP-acquiring, transaction execution, KYC/AML verification, anti-fraud systems, and regulatory reporting. This approach enables faster, more cost-effective compliance for partners without needing to build such systems from scratch. Galkin warned that non-compliant operators risk not just payment blocks and business limitations, but also potential criminal and administrative prosecution. SkyCapital believes the crypto market is entering a phase where competition is increasingly supplemented by partnerships focused on shared, reliable infrastructure to mitigate operational, regulatory, and reputational risks. This strategic shift signifies SkyCapital's broader role in the market, moving beyond its own platform to provide technological and compliance solutions for the wider industry. It reflects a broader trend in the Russian crypto sector away from fragmented, informal models towards collaboration around secure and formalized solutions.

cryptonews.ru07/28 08:03

SkyCapital Expands Cooperation with Crypto Services Amid Regulatory Changes

cryptonews.ru07/28 08:03

One On-Chain Transfer Could Lead to 14 Years in Prison? UK Crypto Compliance Faces New Risks

A blockchain transfer could now lead to a 14-year prison sentence in the UK, following the designation of Iran's Islamic Revolutionary Guard Corps (IRGC) under the National Security Act 2023. A new criminal offense (Section 17C) makes it illegal for UK-linked persons or entities to obtain, receive, or retain any valuable benefit if they know, or should reasonably know, it originates from a designated entity like the IRGC. This applies broadly to crypto assets and on-chain transfers. The key challenge lies in timing and knowledge. A transfer can settle on-chain before the recipient identifies the sending wallet, and wallet attribution to a sanctioned entity may only occur post-transaction. Liability depends on what the recipient knew about the source of funds and when they knew it. The offense follows the value, not the payment path, and can involve indirect provision through intermediaries. While the designation itself doesn't trigger automatic asset freezes under UK sanctions law, it creates a separate criminal risk. For UK crypto exchanges, custodians, payment firms, and even users, this makes maintaining clear records of wallet attribution, transaction timelines, and subsequent actions critical for evidence. The law does not impose new reporting duties but emphasizes using existing suspicious activity reporting and consent processes. The lack of ability to reject on-chain transactions makes documented internal controls and decision-making timelines vital for legal defense.

marsbit07/20 08:26

One On-Chain Transfer Could Lead to 14 Years in Prison? UK Crypto Compliance Faces New Risks

marsbit07/20 08:26

‘There’s no point’: Democrats counter Blockchain Association’s CLARITY push

The Blockchain Association supports the CLARITY Act, arguing it establishes a federal regulatory framework for crypto, enhances law enforcement tools against financial crime, and brings exchanges and Bitcoin ATMs under stricter oversight while exempting non-custodial software developers. However, Democratic Senators Chris Murphy, Jeff Merkley, and Chris Van Hollen oppose the current version, demanding stricter ethics provisions to prevent conflicts of interest, specifically barring elected officials and their families from profiting from cryptocurrency businesses. Bipartisan compromise is seen as essential for passage. Amid negotiations, the act's approval odds on prediction market Polymarket have dropped significantly to 32%, down from a peak of 74%.

ambcrypto07/17 16:02

‘There’s no point’: Democrats counter Blockchain Association’s CLARITY push

ambcrypto07/17 16:02

Senator Elizabeth Warren slams CLARITY Act as a ‘ticket to sanctions evasion’

Democratic Senator Elizabeth Warren strongly opposes the CLARITY Act, a broad crypto market bill, calling it a "ticket to sanctions evasion." She echoes concerns from former U.S. National Security Council official Richard Nephew, who warns the bill's exemptions for decentralized finance (DeFi) and weaker anti-money laundering rules could enable terrorists, sanctions evaders, and other illicit actors. The banking lobby also opposes the bill, citing illicit finance risks. White House Crypto Advisor Patrick Witt dismissed Warren's concerns, referencing a political setback in Maine. The bill faces a challenging path in the Senate, needing 60 votes to pass. While some Democrats support provisions protecting software developers, others vow to withhold support unless ethics concerns are addressed. With a shrinking legislative calendar, the bill's odds of passage have dropped to 45%. The crypto industry fears failure to pass it before the August recess could delay major regulatory clarity until the 2030s.

ambcrypto07/10 06:03

Senator Elizabeth Warren slams CLARITY Act as a ‘ticket to sanctions evasion’

ambcrypto07/10 06:03

BIS Report Compliance Observations: The True Risks of Stablecoins Go Beyond 'De-pegging'

The BIS report, "Anchoring trust in money: innovation beyond stablecoins," highlights that the primary risks of stablecoins extend beyond potential de-pegging. It argues that the core challenge is whether stablecoins can be integrated into a financial system that is identifiable, monitorable, accountable, and regulatable. While acknowledging efficiency gains like faster payments and programmability, BIS emphasizes that money requires an institutional framework—including legal certainty, liquidity support, and financial integrity controls—which many stablecoins currently lack. The report details compliance risks, noting that while blockchain transactions are transparent, address visibility does not equate to identity or purpose clarity. This creates a systemic risk as pseudonymity, non-custodial wallets, and cross-chain bridges can undermine AML/CFT controls. Furthermore, these risks can spill over into the traditional financial system through on- and off-ramps. The future direction, per BIS, is not to prohibit innovation but to embed regulatory rules—such as identity verification and transaction screening—directly into the technological infrastructure of tokenized finance. The key takeaway for compliance is that any new financial instrument must clearly address questions of customer identification, transaction monitoring, accountability, and cross-border rule consistency to be viable as a mainstream payment tool.

marsbit07/03 16:22

BIS Report Compliance Observations: The True Risks of Stablecoins Go Beyond 'De-pegging'

marsbit07/03 16:22

BIS Report Compliance Watch: The Real Risks of Stablecoins Are Not Just 'De-pegging'

BIS Report Compliance Observations: The real risks of stablecoins go beyond "depegging" The BIS report "Anchoring trust in money: innovation beyond stablecoins" argues that while stablecoins and tokenization offer efficiency gains, their primary risk lies in fitting into an identifiable, monitorable, accountable, and regulatable financial system. Money's trust stems not just from technology but from institutional arrangements: a common unit of account, guaranteed redemption at par, liquidity support, regulatory frameworks, and financial integrity requirements. Stablecoins, operating on permissionless blockchains with pseudo-anonymity and non-custodial wallets, create systemic compliance gaps: unclear customer identity, incomplete fund origins, unexplained transaction purposes, fragmented cross-chain paths, and ambiguous liability. On-chain transparency does not equal compliance transparency. Public addresses don't reveal identity or intent. While blockchain analytics aid law enforcement, they cannot replace routine, large-scale AML/CFT controls. Effective compliance requires a closed-loop process encompassing customer onboarding, transaction monitoring, investigation, reporting, and audit. Stablecoin risks are not confined to the blockchain; they re-enter the traditional financial system via on/off-ramps, exchanges, and payment institutions. This forces banks to monitor client accounts for activity linked to virtual assets. The future direction is not to prohibit innovation but to embed rules into the technology. Tokenized finance should integrate with the existing two-tier monetary system, embedding compliance—like customer identification, pre-transaction screening, and auditable data trails—directly into the transaction flow. For compliance professionals, the key takeaway is that any new financial instrument must answer core questions: Who identifies the customer? Who monitors transactions? Who handles exceptions? Who is liable? Compliance is not the antithesis of innovation but the essential infrastructure for its sustainable growth.

链捕手07/03 16:14

BIS Report Compliance Watch: The Real Risks of Stablecoins Are Not Just 'De-pegging'

链捕手07/03 16:14

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