隨著 MiCA（加密資產市場監管）的推出，歐盟準備邁出重大一步。

關于穩定幣的透明度、最大程度的保護、明確的監管以及潛在的投資涌入加密市場的討論已經有很多。

但鑒于即將發生的變化，很少有人解決加密支付開發的問題。

MiCa 生效后，我們可以預期低風險企業啟用加密支付的意愿將大幅上升

這背后有很多原因。

覆蓋范圍最終關閉至全球

加密支付網關始終強調全球覆蓋。

但在 MiCA 之前，歐盟的加密支付監管環境是各國法律和解釋的混合體

德國的 BanFin、法國的 AMF、荷蘭的 DNB 和 AFM、西班牙的 CNMV、意大利的 CONSOB、馬耳他的 MFSA 和愛沙尼亞金融情報機構。

缺乏統一的監管框架導致了不一致，這給尋求在歐盟不同國家擴展服務的加密貨幣支付提供商帶來了重大挑戰。

因此，如果沒有為每個歐洲司法管轄區獲得單獨的許可證，加密支付提供商無法完全滿足尋求通過單一提供商覆蓋所有國家/地區的商家的需求。

MiCA 監管將幫助加密支付領域的企業解決這些問題，并通過在每個國家/地區辦理護照辦理流程，為其客戶提供無縫服務。

商家將能夠通過與單一加密支付提供商達成協議，在目標國家/地區實現加密支付，并確實按照承諾獲得接近全球的覆蓋范圍。

重新獲得對該行業的信任將迫使企業接受加密貨幣以獲得競爭優勢，因為

缺乏統一的監管方法會導致市場操縱，這可能會損害消費者的信任并阻礙加密貨幣的更廣泛接受。

The urgency for regulators to enforce crypto regulations globally has heightened in the aftermath of the scandalous FTX collapse, when the crypto market capitalization plummeted, reaching a two-year low of $736 billion on November 9, 2023, and has started its slow recovery not so long ago.

The investors appeared to be unprotected while the industry proved itself as not as reliable as it needs to be to bring its solutions to the masses.

No doubt, there’s always been an issue of credibility of the sector not only for investors but also for financial institutions like banks that don’t properly work with the players and often deny opening bank accounts due to the lack of the required transparency and control over the industry.

However, the lack of trust in the crypto domain as a common phenomenon also affects consumers, merchants and payment service providers’ willingness to use, accept and provide new channels to operate money.

Consumers don’t express the demand for crypto payments and don’t consider this payment method as a competitive advantage that would make them choose a store with crypto payments over a store with traditional payment options only.

Merchants do not need to spend time and effort on implementation to enable something that wouldn’t impact their position in the market.

The crypto industry is expected to regain trust and create a basis for the integration of crypto as an everyday payment habit.

Once it happens, the demand for crypto payments will be dictated by the end consumer who after expressing overall interest in the crypto sector will need to make a step forward and find further implications of crypto in real life.

Crypto.com in its report stated that the global number of crypto owners soared by 34% and reached 580 million despite the economic crisis and other macro headwinds.

With these numbers at hand, we understand that crypto payments will soon become a competitive advantage that businesses will be integrating for greater retention, and MiCA regulations will strengthen this trend.

Stablecoins are the clearest means of payment for low-risk industries – strict regulations will propel their use for everyday purchases

A lot of attention is given to the process of regulation of stablecoins, especially EMTs (e-money tokens).

EMT, the value of which is supposed to mirror the value of an official currency, makes it easier for consumers to use it for everyday payments.

The overall rise of the stablecoin economy indicates that a growing interest of investors is already here.

Over the last month, stablecoins capitalization surged, experiencing a $4.9 billion growth between December 30, 2023, and January 30, 2024.

Stablecoins’ potential has long been a subject of interest for the EU parliament.

2021年，在穩定幣的所有優勢中，他們強調了穩定幣的易用性、穩定幣在海外支付中的意義，以降低處理成本、在國際貿易中的使用以降低費用和提高速度，以及創建更快、更具包容性的全球支付體系。付款安排。

當時，還沒有普遍接受的監管框架來確保客戶保護和所需的透明度。

MiCA 的監管將通過確保電子貨幣代幣可以隨時以支持代幣的貨幣價格免費兌換，從而明確價格形成和消費者保護問題。

這將刺激更多人采用 EMT 進行日常支付。

最后的話

盡管 MiCA 監管框架是邁向更安全未來的一步，但加密貨幣和公共部門都應平等參與 MiCaR 條款的實施。

如果實現，新的許可制度將導致加密支付提供商可能擁有更多的低風險客戶，而不是高風險客戶。

Max Krupyshev 是 CoinsPaid 的首席執行官兼聯合創始人，CoinsPaid 是為在愛沙尼亞注冊的企業提供的加密支付解決方案。

Max 于 2013 年進入加密世界，站在烏克蘭這個市場的起源，成立了比特幣基金會，以促進該國加密貨幣的采用。

作為 CoinsPaid 的首席執行官，他為公司設定了成為加密貨幣和傳統業務之間的連接紐帶的目標。

生成的圖像：中途

熱點：信任 加密 支付 行業