The U.S. government says there’s a new threat to national security… Decentralized Finance. That’s right, the U.S. Treasury just dropped a 42-page report talking all about DeFi and the risks associated with it. Lucky for you, I did all the reading so you wouldn’t have to. Here are the top things the U.S. Treasury said: - Criminals, ransomware attackers, scammers, etc. all use DeFi to launder stolen funds. *Cough N. Korea cough* - DeFi is used to launder money because it isn’t regulated. - DeFi services don’t follow anti-money laundering (AML) or countering the financing of terrorism (CFT) laws. The Treasury suggests the U.S. government should look at strengthening these regulations for DeFi services. AKA a new wave of DeFi regulation could be coming soon… So what? This is the first risk assessment ever done by the U.S. government on DeFi. And although there aren’t any new policies going into effect right now, it’s a warning that it could happen soon. Regulators have come after centralized exchanges, stablecoins, NFTs, staking services and now they have their eyes set on DeFi. The government hit crypto with a 4-punch combo and is winding up a haymaker next.

Odaily星球日报讯 美国财政部4月6日发布审查报告，警告DeFi可能对国家安全构成风险，并列出了六条建议。报告也指出，大多数犯罪分子使用法定货币或其他传统资产（而非虚拟资产）进行非法交易。 加密货币创新委员会（Crypto Council for Innovation）反洗钱和网络主管Yaya Fanusie通过电子邮件告诉Blockworks，美国财政部表示，即使服务真正去中心化，其活动仍然可能需要AML/CFT合规。但它没有解释在没有具体责任方的情况下如何实施合规性。该报告承认，并非所有类型的DeFi服务都符合BSA义务。可能需要做的是拆开不同的服务类型并确定何时需要AML/CFT合规性。（Blockworks）

Breaking Down the Treasury Department’s DeFi Risk Assessment The Treasury Department released a "DeFi Risk Assessment" exploring illicit activities in DeFi. This thread points out that the assessment overlooks the differences between traditional finance and DeFi, causing tension between compliance obligations and decentralized protocols. With what seems like some cognitive dissonance, the assessment rejects decentralized protocols as novel tools, but acknowledges that DeFi services may fall outside existing AML/CFT controls. It questions the value of privacy, suggesting stronger supervision, continued R&D, and promoting responsible innovation of mitigation measures.

香港有关加密货币新政的5个要点： 1.散户投资者只能投资于大市值虚拟资产(主要限于前5代币) 2.不允许提供质押/赚取服务 3.不允许提供金融衍生品服务(期货合约等) 4.投资者需满足KYC、AML/CFT(反洗钱条例) 5.对热钱包保管不超过2%,冷钱包需存放在香港(为防止FTX事件) 香港加密新政带来投资机会可能在这些板块主要是承接香港加密货币的补充服务,但具体也取决于香港新政能带来多大的资金体量,一定程度上利好下面这些板块： 支付领域(出入金和OTC) 链上质押/收益 链上衍生品