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The Changing European Cryptocurrency Landscape: A Lithuanian Case Study

加密货币市场在过去十年中经历了显著扩张,已成为全球金融体系的重要组成部分。在这一不断变化的环境中,监管框架对加密企业的运营和长期可持续性至关重要。最近,立陶宛凭借其在金融科技和数字创新方面的前瞻性做法引起了金融创业者的关注,这从该国此类公司数量显著增加中可见一斑。


欧盟委员会和欧洲议会认识到加密资产的日益普及,并正式将其归类为金融工具。除这一有利进展外,涉及加密资产的公司还必须遵守《欧盟市场中的加密资产条例》(Regulation (EU) 2023/1114)(亦称MiCA法规)中规定的新许可规则。尽管如此,仍认为这些变化对整体加密货币系统是有利的。作为MiCA实施计划的一部分,立陶宛最近进行了重大立法修订,以加强对加密货币业务的监管。这些进展凸显了该国致力于为加密企业创造一个安全且合规的环境,使其成为寻求强大监管架构和拓展机会的企业的理想之地。立陶宛已被认定为欧洲第二大金融科技初创企业目的地,全球排名第四,彰显了其对数字金融行业新兴企业的吸引力。


立陶宛立法的变更

根据欧盟更广泛的监管目标,立陶宛将把《加密资产市场法规》(MiCA)纳入其国内框架。2023年,欧盟实施了MiCA,旨在为成员国间的加密资产业务制定统一规定。与其他欧盟国家相比,立陶宛选择不利用MiCA提供的过渡期,要求在2024年12月30日前全面遵守。到2025年6月,立陶宛的加密货币服务提供商必须持有加密资产服务提供商许可证,这一较快的时间表为现有和潜在参与者准备许可程序提供了更多时间。


重要的监管变更涉及对了解你的客户(KYC)和反洗钱(AML)的严格规定。企业需要建立强有力的验证程序,以验证其客户和交易的真实性。此外,监管范围有所扩大,除虚拟货币交易所和托管钱包外,还涵盖了加密资产管理、交易平台和咨询服务等更多服务。立陶宛的加密公司必须实施全面的合规策略,以成功应对这些变更带来的监管环境更新。


此外,《防止资助恐怖主义法》的最新规定实施了新规则,例如立陶宛金融机构中的加密货币服务提供商必须维持最低资本金额为125,000欧元的规定。这一条件为新兴加密行业提供了更多可预测性和安全性,确保只有财务健全的实体参与市场。这一条件反映了《加密资产市场法规》(MiCA)将要要求的资本金额标准,有时可能需要公司进行额外投资。


到2024年底,MiCA的实施将带来新的资金金额分类和架构。


一级服务类别,资本金额50,000欧元,允许开展以下业务:


代表第三方接收并传递订单;和/或


提供加密资产咨询服务;和/或


代表第三方执行订单;和/或


发行加密资产。


二级服务类别,资本金额125,000欧元,允许开展以下业务:


代表第三方托管和管理加密资产。


三级服务类别,资本金额150,000欧元,允许开展以下业务:


将加密资产兑换成法定货币;


将加密资产兑换成其他加密资产;


运营加密资产交易平台。


立陶宛司法管辖区的优势

立陶宛因其明确的监管、经济利益及支持性环境,被誉为加密货币公司理想的设立地点。其主要优势之一是简化的许可程序。立陶宛官员,主要是立陶宛银行,在与利益相关者就《加密资产市场法规》(MiCA)的执行进行沟通方面展现出高效性与合作性,确保企业有发言权来塑造立陶宛加密行业的未来。


此外,立陶宛为金融科技和加密货币公司提供了颇具吸引力的税收优惠。企业税率具有优势,并且针对参与创新和数字项目的公司有特别激励措施。与马耳他或波兰等热门司法管辖区相比,立陶宛提供了一个更具经济性且更易于应对的监管环境,同时仍保持高合规标准。


该国还拥有受过良好培训的劳动力和强大的技术基础设施,进一步增强了其吸引力。监管机构和行业协会支持的合作环境使加密企业能够在不断变化的市场条件下蓬勃发展。此外,立陶宛最近被公认为金融科技初创企业的首选目的地之一,凸显了其在提供有利于数字金融创新环境方面的有效性。


购买现成公司的好处

寻求快速进入立陶宛加密市场的创业者可通过购买持有有效许可证的预先设立公司获得战略优势。这种方法大幅减少了从零开始设立新实体以及经历许可程序所需的时间和复杂性。通过收购已持有许可证的公司,企业可跳过漫长的审批流程,立即开展运营,确保顺利进入市场。


此外,收购拥有现有许可证的公司可降低遵守监管要求的风险。通过在收购现有公司时进行全面调查,以确保满足所有监管要求,能够提供安心且稳定的运营环境。这种方法提供了一个可操作的框架,使企业能够更快地拓展业务并进入市场。


我们在许可方面的专业知识

 专注于应对立陶宛加密货币业务的复杂性。我们在立陶宛设有办事处,提供为加密货币企业设立并确保符合MiCA规定的定制化服务。此外,我们还提供出售符合所有现行规定的预先设立好的加密货币企业的服务。


我们在立陶宛的律师与立陶宛金融犯罪调查局及立陶宛银行保持紧密合作,随时了解监管要求与立法变动情况。我们的紧密合作使我们能够为客户提供精准且及时的指导,确保其业务合规并为成功做好准备。


立陶宛银行以其友好且热情的态度著称,鼓励监管机构与企业间开展合作。这种合作确保了《加密资产市场法规》(MiCA)的有效执行,同时解决了利益相关者的关切,建立了一个公平且支持性的监管环境。


我们全面参与了立陶宛加密监管体系的发展。我们密切关注立法动态以及与政府机构的咨询沟通情况。我们已主动向现有客户通报了这些法规的相关信息,让他们有信心且有保障地能够安全地继续开展加密业务。


秘密活动。


此外,立陶宛被公认为金融科技初创企业的首选之地,这凸显了我国在推动先进金融科技方面的承诺。我们利用这一优势,助力客户在竞争激烈的市场中取得成功。


目前,立陶宛正在筹备《加密资产市场法规》(MiCA)的实施计划草案。我们的团队在制定这一策略中发挥了关键作用,确保为我们的客户提供最佳建议和协助。我们强调高质量文件和与监管机构的主动互动对于简化许可流程的重要性。


对加密货币公司的建议

要在立陶宛的监管框架下蓬勃发展,加密货币公司应采取主动合规措施和战略规划。以下是我们向现有客户提供的10个关键建议,也希望能与您分享:


早期准备:在2024年12月30日截止日期之前,提前启动许可程序。这包括准备必要的文件,建立健全的KYC和AML协议,并确保组织结构符合监管标准。我们公司可协助您准备所有必要材料,简化这一流程。


全面的合规计划:制定并实施全面的合规计划,涵盖MiCA要求的所有方面。这包括风险评估、内部控制和定期审计,以确保持续遵守相关规定。


与专家合作:与监管顾问和法律专家合作,例如某某(原文缺失具体名称)的专家,以应对许可流程的复杂性,并随时了解立法变动情况。


投资技术:利用先进的合规与安全技术,提升运营效率,并防止违反监管规定。


持续监控:建立持续监控与报告机制,以便及时解决任何合规问题,并适应监管更新。


重视文件质量:确保所有提交的文件均全面、准确且针对您的具体业务模式。避免使用通用模板,提供详细信息以满足立陶宛银行的期望。


提升管理层能力:确保您的管理团队对加密活动的法律框架有深入了解。提供持续的培训与支持,以维持高水准的监管知识。


提升股东透明度:保持清晰透明的股东信息记录,涵盖资金来源与所有权结构,以促进对立陶宛银行的声誉评估。


加强内部控制:实施强有力的风险管理和内部控制体系,以防范洗钱和恐怖主义融资。确保负责人员具备足够的资质和经验。


与金融机构合作:与银行及其他金融机构建立紧密合作关系,以确保运营顺畅并遵守监管要求。在这方面,我们可以指导您建立这些关键合作伙伴关系。


立陶宛银行已指出许多许可申请中常见的不足,强调了全面准备文件以及透彻理解监管要求的重要性。申请者应避免使用通用模板申请,并确保提供的所有信息准确、清晰且针对其具体业务情况。主要应关注的领域包括:


申请质量:避免使用模板提交申请,确保提前提供所有必要信息。


管理层能力:展现出对加密活动法律框架的深入理解。


股东透明度:提供关于股东的全面信息,包括资金来源和所有权结构。


内部控制:确保有强力的风险管理措施以防范洗钱和恐怖主义融资。


通过遵守这些建议,加密货币公司可降低监管风险,保持顺利运营,并利用立陶宛支持性监管环境所带来的优势。如需获取个性化咨询,了解有关MiCA实施准备的详细建议,请联系我们。


Conclusion

立陶宛致力于为加密货币企业构建一个强大且透明的监管框架,为增长和创新带来了前所未有的机遇。近期立法变更与欧盟的《加密资产市场法规》(MiCA)保持一致,改善了运营环境,使立陶宛成为对加密企业颇具吸引力的司法管辖区。购买持有现有许可证的现成公司成为了一种战略选择,具备立即进入市场、降低风险和保障运营稳定性的优势。


采用专家驱动的方法对于成功应对不断变化的监管环境至关重要。我们致力于提供必要的专业知识和支持,确保您的加密货币企业不仅符合当前的监管规定,还能在竞争激烈的市场中蓬勃发展。我们对立陶宛法规的深入了解,加上我们与监管机构的主动互动,使我们处于独特地位,能够帮助您的企业实现合规和卓越运营。


迈出下一步,确保您在立陶宛不断增长的加密货币市场中占据一席之地。立即联系我们进行咨询,了解我们如何帮助您建立合规且成功的加密货币企业。


European Encryption License
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World Encryption License
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  • 蒙大拿州 2025 年 MSB 许可证

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