Die EU hat Beschränkungen für Kryptowährungstransaktionen eingeführt: Was Sie über die neuen Regeln wissen müssen

Die Europäische Union hat neue Regeln für Krypto-Transaktionen verabschiedet, die darauf abzielen, die Nutzer zu schützen und Vertrauen in die digitale Finanzwelt aufzubauen. Erfahren Sie, was sich geändert hat

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On 30 December 2024, new rules governing cryptocurrency transactions will come into force in the European Union. They are aimed at strengthening the fight against money laundering and terrorist financing. First of all, the changes will affect owners of private cryptocurrency wallets (self-hosted wallets) that carry out transactions in excess of €1,000.

Key changes for cryptocurrency users

1. Additional identity verification

- For transactions exceeding €1,000, wallet holders will need to provide additional documents to prove their identity.

- Financial institutions are obliged to verify the data of both the sender and the recipient of funds, which significantly increases the level of transparency.

2. Proof of wallet ownership

- Users of private wallets must prove that they are the legal owners of the wallet from which the funds are sent or received.

- This may require the use of cryptographic signatures or additional information about the wallet.

3. Control of transactions

- Financial platforms and crypto exchanges are required to record all large transactions. In the case of suspicious transactions, the data should be transferred to regulatory authorities.

- These measures are part of the updated MiCA (Markets in Crypto-Assets) regulation and the EU Anti-Money Laundering (AML) Directive.

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Objectives of the new rules

The new rules are primarily aimed at combating terrorist financing and illegal transactions. They also strengthen the protection of cryptocurrency users against fraud.

How to prepare for the new rules?

To avoid problems with large cryptocurrency transfers, users should take a number of measures in advance:

▪️ Prepare documents. Make sure your crypto wallet and account meet KYC (know your customer) requirements.

▪️ Cryptographic signature support. Check if your wallet supports the cryptographic signature capability required for proof of ownership.

▪️ Transaction data storage. Keep a record of all transactions for possible verification.

For Ukrainian citizens working with cryptocurrencies in the EU, it is important to adapt to the new requirements in advance to avoid delays or blocking of transactions. Particular attention should be paid to checking your wallets for compliance with the new standards.

We remind you! The National Bank of Ukraine intends to test the digital hryvnia next year. We told you how the pilot project is planned to be conducted and what is known about the launch of Ukrainian electronic money.

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