✨ Whakarāpopototanga o te AI
- Kua whakarewahia e te BPCE, he rōpū peeke nui o Wīwī, ngā ratonga hokohoko moni matihiko mō āna kaihoko hokohoko, me te whakamahi i te mākete moni matihiko e tipu haere ana i Wīwī, kei reira te 12% o te taupori e pupuri ana i ngā moni matihiko.
- E 84% te mōhiotanga ki te moni matihiko i Parani, ā, ko te whāinga a te BPCE he whakatutuki i te pikinga o te hiahia mō ngā ratonga moni matihiko.
- Ko te nekehanga nei he tohu i te nekehanga ki te whakauru i ngā ratonga matihiko ki roto i ngā ara peeke kua whakaritea.
- Ko Antier, he kamupene whakawhanake whakawhiti moni matihiko mā, e tuku ana i ngā otinga rite-MiCA hei āwhina i ngā pakihi ki te whakatere i ngā aratohu ture uaua me te whai hua.
- Ko ngā whakaritenga a MiCA ko te tirotiro i te tukinotanga o te mākete, te pupuri i ngā ture mai i te taha o te pēkerapu, te whakatinanatanga o te Ture Haere ā-Iwi, me te manawanui whakahaere e hangai ana ki te DORA.
Kua whakarewahia e Banque Populaire Caisse d'Epargne ( BPCE ), he rōpū peeke nui o Wīwī, ngā ratonga hokohoko moni matihiko mai i te 8 o Tīhema, 2024, e aro ana ki te 12 miriona kaihoko hokohoko i te tau 2026. Nō reira, kāore ngā umanga whakahaere i Wīwī e whakamātautau ana i ngā wai engari e ruku ana ki roto. Ā, he aha rātou e kore ai…
- 6.5 miriona tāngata Wīwī (12% o te taupori) i pupuri i ngā moni matihiko i te tau 2024.
- Ko Parani, me te 84% o te mōhiotanga ki te moni matihiko, kei roto i ngā whenua e 5 o runga i roto i a Ūropi (EU) e pā ana ki te uara katoa i whiwhihia, arā, $180.1 piriona i waenga i a Hūrae 2024 me Hune 2025.
- Kotahi i roto i te tokorima o ngā tāngata Wīwī e kī ana ka whakarērea e rātou ngā peeke mō ngā umanga "hoa ki ngā moni matihiko".
He māmā noa iho te mahi a te BPCE engari he whakatau nui. I whakauruhia e rātou te pūmanawa whakawhiti moni matihiko ki roto i ngā ara peeke kua whakaritea, kua whakaritea te utu, kua whakahaeretia, ā, kua arotakehia pērā i ngā hua pūtea katoa. Kei roto tonu i te taupānga peeke a Bitcoin, Ethereum, Solana, me USDC, me te utu €2.99 ia marama me te 1.5% o ngā komihana.
"Ko ngā umanga pūtea e whakaroa ana kāore e tūpato ana, engari kei te tuku i te hiranga."
He aha te MiCA-Ready White Label Crypto Exchange te Huarahi Whaitake Anake i te Tau 2026
Ko te whakarewatanga o tētahi tūāpapa pūmanawa whakawhiti moni matihiko e tutuki ana i ngā whakaritenga mai i te tīmatanga ka roa te wā, ā, ko te utu he $500k ki te $1 miriona, neke atu rānei. Kāore i roto i tēnei tatauranga ngā utu e haere tonu ana tae atu ki ngā arotakenga tutuki i ngā whakaritenga, ngā arotake haumarutanga, ngā taputapu tirotiro, ngā whakaurunga tiaki, me te whai wāhi a ngā kaiwhakahaere. Mō te whakaaetanga a MiCA, me whai whakaaro ngā pakihi ki ēnei mea katoa i mua i te whakarewatanga i a rātou e aromatawai ana i ēnei āhuatanga.
Ka whakapotohia tēnei wātaka e ngā otinga whakawhanaketanga whakawhiti moni matihiko tapanga mā ki te 60 rā, ā, he iti noa iho te utu mō te whakawhanaketanga ritenga. Kāore e hiahiatia kia whakarērea e ngā pakihi me ngā umanga pūtea te mana whakahaere umanga, te mana waitohu rānei i te wā e whakamahi ana i ēnei otinga kua oti te whakarite. Mā te whanaketanga o te whakawhitinga pokapū tapanga mā, ka taea te pupuri, te whakahaere, me te mana whakarārangi ki ngā umanga.
"E 45% o ngā tono MiCA ka whakahēngia nā te mea he āputa i roto i te tirotiro, te pupuri, te wehewehe, te manawanui mahi rānei."
Ko Antier, he kamupene whakawhanake whakawhiti moni matihiko mā te waitohu mā , e tuku ana i tētahi otinga MiCA-rite, kua rite-ki-te-whakatinana hei āwhina i ngā pakihi ki te whakatere i ngā aratohu uaua.
He aha te take kāore i te rawaka ai te rēhitatanga PSAN hei whakarewa i te whakawhitiwhiti moni matihiko i Parani?
He pūnaha whakawhiti ā-motu a PSAN i Parani. Ko MiCA te whakamanatanga ā-rohe whakamutunga mō ngā CASP puta noa i te EU. Ka taea tonu te haere tonu o ngā rēhitatanga PSAN o nāianei i te wā whakawhiti MiCA anake (tae noa ki te 30 o Hune 2026), i runga anō i te whakamanatanga a MiCA.
| ahu | PSAN (Wīwī – Te Whakahaere Whakawhiti) | MiCA (Anga Whānui o te EU) |
|---|---|---|
| Whānuitanga Whakahaere | Wīwī anake rēhitatanga whakawhiti (tōnga o te rā) | Whakamanatanga whānui o te EU me ngā mana uruwhenua |
| Ngā Whakahaere Tūkino Mākete | He iti, he nui ngā tukanga (ngā paerewa i mua i te MiCA) | Te tirotiro me te ripoata i te wā tonu (Ngā Ture 87–92) |
| Ngā Ture Tiaki | Me wehewehe, engari ehara i te mea he pēkerapu-mamao nā te hoahoa | Te wehewehenga i runga i te mekameka, ka taea te whakamātau, mai i te tūponotanga o te pēkera (Tuhinga 70) |
| Tohu mo nga Rahui | Kāore i whakahaua; he mea whiriwhiri, he mea tūao rānei | Ngā mea e tumanakohia ana e ngā kaiwhakahaere, ngā kaitātari kaute, me ngā kiritaki umanga |
| Te Herenga o te Rārangi Tohu | Te nama a te kaiwhakaputa iti me te tūāpapa | Ko Exchange te kawenga katoa mō ngā rawa kua whakarārangihia me ngā whakaaturanga (Ngā Ture 4–15) |
| Te Whakatinanatanga o ngā Ture Haere | Kāore i te whakatinanahia i te taumata kawa | Me whakamana te ture taketake mō te IVMS-101 |
| Te Manawa Whakahaere | Ngā tumanakohanga haumarutanga hangarau mōhiohio ā-motu (i mua i te DORA) | Te wā mahi, te whakaora ā-whatumanawa, me te urupare ki ngā aituā e hangai ana ki te DORA |
| Te Riri o te Arotake | Te tirotiro ā-wā, e whakahaerehia ana e ngā huihuinga | Arotakenga tonu, e ai ki ngā kaiwhakahaere i runga i te tono |
| Whakataetae Raihana | Te paepae whakauru iti iho; he nui te tokomaha o ngā kaitono | He iti noa ngā whakaaetanga me te kaha ake o te tirotiro a te hunga tirotiro |
| Uara Rautaki | Te haere tonu o te tutuki i ngā whakaritenga whakawhiti | Te urunga ki te mākete o te EU, he taumata moni whiwhi, he tauine teitei |
He aha te tikanga tūturu o te "MiCA-Ready White Label Cryptocurrency Exchange"?
- Te Tirotiro i te Tūkinotanga o te Mākete (Ngā Tuhinga MiCA 87–92)
E ai ki a MiCA, he kawenga ture te pūmanawa whakawhiti moni matihiko mō te kimi me te ripoata i te tinihanga mākete me ngā tauwhitinga turekore. Kei roto i tēnei ko te hokohoko horoi, te tinihanga, te whakahaere mua, te tinihanga utu, me te $40.9 – $51 piriona rerenga turekore (2024).
Kei roto i te pūmanawa whakawhiti moni matihiko tapanga mā e rite ana ki a MiCA tētahi miihini tirotiro wā-tūturu e rite ana ki te hanganga mākete tuku iho. Ka tohua aunoatia ngā mahi whakapae, ka whakaputaina tonutia ngā pūrongo, ā, kāore e taea te whakarerekē i ngā ara arotake.
Ki te pātai te AMF, "He aha te take i piki ai te utu?" me whakautu tonu te pūnaha, kaua i muri i te arotake ā-ringa.
- Te Pēkerapū - Te Tiakitanga Mamao me te Wehewehenga Rawa (Tuhinga 70)
I muri i te FTX, ka whakahau a MiCA kia tino wehea ngā rawa o te kiritaki mai i ngā moni a te kamupene. E ai ki ngā aratohu a Parani, ehara te whakakotahitanga i te mea pōuri, engari he takahi. Neke atu i te €26 piriona te nui o ngā taonga matihiko ā-whare o Parani, ā, inaianei kei te mau tonu te mōrearea o te ingoa kino nā te korenga o te pupuri moni.
Mā ngā tūāpapa pūmanawa whakawhiti tapanga mā o te whare wānanga ka whakatinanahia te wehewehenga i runga i te mekameka i te taumata pukapuka kaute, ā, ka tautokohia te "Taunakitanga o ngā Rāhui" whakamunatanga mā te whakamahi i ngā rākau Merkle. Ka noho tonu ngā rawa o te kiritaki ahakoa ka hinga te kaiwhakahaere, te kaiwhakarato, te hoa mahi rānei. Nō reira, me ora tonu te haumarutanga o te whakawhiti moni matihiko i te korenga moni, te whakawakanga, me te hinganga o te kaiwhakarato, mā te hoahoa.
- Te Whakatutuki i ngā Ture Haereere Taketake
Kāore a MiCA e mahi takitahi. E hiahiatia ana ngā raraunga tuakiri e te Ture Whakawhiti Moni a te EU (TFR) kia haere tahi me ngā whakawhiti moni matihiko puta noa i ngā mana whakahaere 99.
Ka whakauruhia e te pūmanawa whakawhiti moni matihiko tapanga mā-MiCA te karere IVMS-101 ki roto i te rerenga tango moni. Ka aukatia aunoatia ngā whakawhitiwhitinga kāore he raraunga painga. Ka āraia ngā hoa mahi kua whakaaetia i te wā tūturu. He mea nui tēnei nā te mea kua puta kē te $1.23 piriona i roto i ngā whiu ture 139 i te tīmatanga o te tau 2025 nā ngā rahunga AML.
- Manawanui Whakahaere e Tutuki ana ki ngā Ture a DORA
Kei raro anō hoki ngā umanga Wīwī i te DORA, e kīia ana ko ngā motuhanga mahi he korenga tutuki i ngā ture, ehara i te mea he aituā hangarau mōhiohio. Nā te pikinga ake o ngā arotake ture neke atu i te 60% i roto i ētahi mākete o te EU, he pānga ture kei te wā motuhanga. Mēnā ka pōuri tō tūāpapa hokohoko, kei te mōrearea tō raihana.
Me whakaatu e te whanaketanga pūmanawa whakawhiti moni matihiko ma:
- Haumarutanga e hangai ana ki te ISO 27001
- Hanganga rahunga wera, mahana rānei
- Ngā mahere whakaora ā-whatu kua whakamatautauria
- Ngā tuhinga mō te urupare ki ngā aituā
"Ki te kore e taea te whakamahi i tō tūāpapa hokohoko moni matihiko, ko tō raihana te mea kei te mōrearea."
- Te Whakaurunga Tohu me te Whakahaere Rārangi (Ngā Tuhinga 4–15)
I raro i te MiCA, ko ngā pūmanawa whakawhiti moni matihiko te kawenga mō ngā rawa e whakarārangihia ana e rātou. Mā tēnei ka ārai i te kore tutuki i ngā whakaritenga, he take noa i muri i ngā whakakorenga tono MiCA.
Mā te tūāpapa pūmanawa whakawhiti tapanga mā e whakatinana ngā tukanga rārangi ōkawa tae atu ki te hononga pepa mā whakahau, ngā whakaaetanga ā-roto, me te whakahohenga e hangai ana ki ngā ture. I roto i ēnei hoahoa whakawhiti kua oti te whakarite, kāore e taea te whakahohe i ngā tohu me te kore he tuhinga ture.
"Ki te whakarārangihia e koe, kei a koe te mōrearea. Me āwhina te pūmanawa whakawhiti tapanga mā kia kore e warewaretia."
Kua rite tō hoa whakawhiti waitohu mā ki te MiCA?
I mua i te whakaae ki tētahi kamupene whakawhanake whakawhiti moni matihiko mā, me tono ngā kaiwhakatau i ngā whakautu mārama:
- Rangahau: Ka taea te aunoa te kimi i te tukinotanga mākete, ā, ka taea hoki te arotake?
- Wehewehenga: Kei te wehewehea pea ngā rawa o te kiritaki i runga i te mekameka?
- Te Whakawhitiwhiti: Ka taea te whakaputa tonu i ngā raraunga i mua me muri i te hokohoko?
- Whakautu: Kei te hangai te tūāpapa DORA ki ngā SLA whakaora?
- Ture Haere: He mea taketake te IVMS-101 hei whakatinanatanga, kāore i te mea kua whakapūmautia?
Mena ko te whakautu ki tētahi o ēnei he "ka whakauru atu tātou ā muri ake nei," haere atu.
He aha i tika ai kia whakauruhia, kia whakarewahia rānei e ngā umanga pūtea te pūmanawa whakawhiti moni matihiko i te tau 2026?
Kāore te hokohoko moni matihiko e waiho hei tāpiritanga whakaaro noa iho. He hanganga pupuri raraunga, utu, me te hanganga raraunga. Ina noho tonu ngā rawa matihiko ki runga i te papaaho, me ngā rawa tuku iho, ka hohonu ake te whai wāhi atu.
Ina whakauruhia ngā hua e pā ana ki te moni matihiko ki roto i ngā taupānga pūtea pono, ka whai ake te whakamahinga.
Ina whakauruhia ngā ture ki roto i te hangarau, ka taea te tiaki i te tipu.
Mō ngā umanga whakahaere ture o Wīwī, ehara i te mea kei roto i tō pūnaha te hokohoko moni matihiko, engari me pēhea te tere o tā rātou whakarewatanga me te kore e hē ngā ture me te hangarau.
Ka puta ngā wero ture…
I te tīmatanga o te tau 2025, e waru noa iho ngā whakaaetanga MiCA i tukuna e Wīwī , ki te whakaritea ki te rua tekau a Tiamana. Kei te piki haere ngā tono, ā, e 75% o ngā VASP o nāianei ka tūpono ka ngaro te mana whakahaere ina mutu ngā wā whakawhiti.
Nō reira, i mua i te kīkī o te raihana, me whakarite e ngā kaiwhakatikatika wawe te whakaaro tahi a ngā kaiwhakahaere, te pono o ngā kaiwhakamahi, me ngā painga tohatoha. Kāore e taea e ngā tāngata kua tomuri te hoko mai i tēnei whai wāhitanga. Kua whiwhi a BPCE; ko koe te tangata e whai ake nei.
He aha i whiriwhiri ai ngā umanga i a Antier hei whakarewa i te hokohoko moni matihiko kua rite ki te MiCA?
Kāore ngā whakaū me ngā whakamātautau e whai hua mō MiCA. I Antier, ka tukuna e mātou he pūmanawa whakawhiti moni matihiko tapanga ma e tutuki ana i ngā whakaritenga ture , i hangaia mō ngā umanga kāore e taea te utu mō ngā hapa.
Kua hangaia tā mātou tūāpapa whakawhiti moni matihiko tapanga mā e rite ana ki te MiCA mō:
- Banks me nga umanga pütea kei te whakapai ake i te PSAN ki ngā mahi puta noa i te EU
- Ngā kaiwhakahaere rawa me ngā kamupene hangarau pūtea te rapu i te tohatoha crypto e tutuki ana i ngā whakaritenga
- Ngahinga e hiahia ana ki te tere me te kore e tuku i te mana whakahaere
Ki a Antier, ka whiwhi koe:
- Te tirotiro i te tukinotanga mākete kua whakauruhia e hangai ana ki ngā Tuhinga 87–92 o MiCA
- Hanganga tiaki mamao mō te pēkerapu me te wehewehenga rawa ka taea te whakamātau
- Te whakatinanatanga o te Ture Haereere Taketake (kāore he mahi tāpiri a te hunga tuatoru)
- Hanganga e hangai ana ki te DORA me ngā taurangi wā mahi a te umanga
- He rārangi wā whakarewatanga i roto i ngā wiki, ehara i te tau
Neke atu i te 250 ngā whakatinanatanga whakawhiti kua tukuna e mātou, me te tautoko a te 700+ ngā miihini poraka mekameka me te hangarau pūtea, ā, kua hangaia he pūnaha kua hangaia kia paahitia e ngā kaiwhakahaere.
Nā te BPCE i whakamātau te mea ka taea i te whānuitanga. Mā Antier ka taea e ngā umanga te tae atu ki reira tere ake, haumaru ake, me te tutuki katoa i ngā hanganga hokohoko paerewa ture.
Pātai Auau
01. I te wa i whakarewahia e Banque Populaire Caisse d'Epargne (BPCE) ana ratonga hokohoko crypto?
I whakarewahia e te BPCE āna ratonga hokohoko crypto i te 8 o Hakihea, 2024.
02. He aha ngā moni matihiko e wātea ana mā te taupānga peeke a BPCE?
Kei te taupānga peeke a BPCE a Bitcoin, Ethereum, Solana, me USDC.
03. He aha te hiranga o te tutuki i ngā whakaritenga a MiCA mō ngā whakawhitinga moni matihiko i Parani?
He mea whakahau kia tutuki i ngā kaiwhakarato ratonga rawa moni matihiko (CASP) i Parani te hanganga ture ki te MiCA, kia mōhio ai kei te tutuki ngā paerewa ture mō te tirotiro, te pupuri, me te manawanui whakahaere.
