fincen

Mạng lưới thực thi tội phạm tài chính của Bộ Tài chính Hoa Kỳ (FinCEN) đã công bố phân tích và cảnh báo vào thứ Năm, liên kết khoảng 12,7 tỷ đô la Mỹ hoạt động tài chính đáng ngờ với các trò lừa đảo đầu tư tiền điện tử do các khu vực Đông Nam Á điều hành. Khoảng 1.300 tổ chức đã nộp 33.904 báo cáo hoạt động đáng ngờ, bao phủ từ tháng 9 năm 2023 đến tháng 12 năm 2025. Các doanh nghiệp dịch vụ tiền tệ chủ yếu là công ty tiền điện tử đã nộp 55% báo cáo, liên quan đến 5,5 tỷ đô la; ngân hàng nộp 41%, liên quan đến 6,4 tỷ đô la; phần còn lại của các tổ chức chứng khoán là 784,5 triệu đô la.Số lượng báo cáo tăng trưởng với tốc độ trung bình hàng tháng là 10,9%, số tiền liên quan tăng 18%. Những kẻ lừa đảo đã sử dụng ít nhất 22 loại tài sản kỹ thuật số, phổ biến nhất là Ethereum, USDT và USDC. Phân tích trên chuỗi cho thấy, bất kể nạn nhân ban đầu mua loại tài sản nào, tiền thường được chuyển đổi thành stablecoin, và hầu như toàn bộ được đổi thành USDT, sau đó được chuyển qua các giao thức DeFi hoặc sàn giao dịch ngoài Hoa Kỳ. Những kẻ lừa đảo cũng đã tái sử dụng địa chỉ nhận tiền qua nhiều nạn nhân, đây cũng là một trong những cách mà một số tổ chức nhận diện được mô hình này.Báo cáo cho thấy khoảng 25% liên quan đến người cao tuổi, tương đương với tỷ lệ 24,4% dân số trên 60 tuổi, do đó FinCEN cho rằng người cao tuổi không bị nhắm đến một cách không tương xứng. FBI thống kê rằng vào năm 2024, người dân Hoa Kỳ trên 60 tuổi đã mất 4,8 tỷ đô la do lừa đảo. Những khu vực này chủ yếu nằm ở Campuchia, Lào và Myanmar, các cơ quan chức năng Hoa Kỳ đã thu giữ hơn 25 triệu đô la liên quan đến các trò lừa đảo này trong năm nay.

Tin tức từ ChainCatcher, Viện Chính sách Ngân hàng (BPI) là tổ chức đại diện cho các ngân hàng lớn như JPMorgan, Bank of America, Wells Fargo và Citi. BPI đề xuất, Mạng lưới Thực thi Tội phạm Tài chính Bộ Tài chính Hoa Kỳ (FinCEN) nên mở rộng yêu cầu về chương trình nhận diện khách hàng đến thị trường thứ cấp của stablecoin, bao gồm các sàn giao dịch và nền tảng khác có mối quan hệ tài khoản trực tiếp với nhà đầu tư cá nhân.BPI cho biết, các sàn giao dịch và nền tảng liên quan chịu trách nhiệm cho một lượng lớn hoạt động mua bán trong hệ sinh thái stablecoin, và hầu hết các hoạt động bất hợp pháp liên quan đến stablecoin xảy ra tại đây. Nếu đề xuất được đưa vào quy định, các nền tảng liên quan sẽ phải thu thập thông tin khách hàng theo Đạo luật Bảo mật Ngân hàng, và các sàn giao dịch phi tập trung cũng có thể bị đưa vào phạm vi quản lý. Quy định dự thảo của FinCEN chỉ ra rằng, giao dịch trên thị trường thứ cấp của stablecoin trên blockchain thường sử dụng danh tính ẩn danh hoặc giả mạo, và không có nút nào tập trung thu thập thông tin danh tính, khả năng thu thập thông tin khách hàng của các nhà phát hành trên thị trường thứ cấp là hạn chế. BPI cũng đã hợp tác với các tổ chức ngân hàng khác để phản đối phiên bản hiện tại của Đạo luật Làm rõ Thị trường Tài sản Kỹ thuật số.

According to CoinDesk, the Financial Crimes Enforcement Network (FinCEN) under the U.S. Department of the Treasury and the Office of Foreign Assets Control (OFAC) will jointly issue proposed rules requiring stablecoin issuers to establish a comprehensive anti-money laundering and sanctions compliance system. Specific measures include freezing, intercepting, and rejecting suspicious transactions, as well as complying with the relevant provisions of the Bank Secrecy Act.The rules emphasize an outcome-oriented approach, believing that financial institutions understand their own risks best. Issuers that establish a sound compliance system are typically exempt from enforcement actions. This move aims to implement the GENIUS Act passed last year, which is expected to take full effect in 2027.

U.S. Senators Elissa Slotkin (Democrat) and Jerry Moran (Republican) introduced the Strengthening Agency Frameworks for Enforcement of Cryptocurrency Act (SAFE Act) this Monday. The bill aims to coordinate the actions of the U.S. Department of the Treasury, law enforcement agencies, regulatory bodies, and the private sector to combat cryptocurrency fraud and scams.Gabriel Shapiro, Chief Legal Officer of Delphi Labs, stated on the X platform that if the bill is effectively implemented, cryptocurrency fraudsters and scammers may feel panic. He pointed out that senior officials, including the U.S. Attorney General, the director of the Financial Crimes Enforcement Network (FinCEN), and the director of the U.S. Secret Service, will be involved in pursuing cryptocurrency criminals. The FBI reported that in 2024, Americans lost $9.3 billion due to cryptocurrency-related investment scams, a 66% increase from 2023.

ChainCatcher news, the decentralized exchange Ant.fun recently announced that it has successfully obtained a Money Services Business (MSB) registration license issued by the Financial Crimes Enforcement Network (FinCEN).Ant.fun is committed to providing fast, stable, and secure on-chain trading services, and is a professional trading platform for global investors. The platform's business covers a variety of trading scenarios, including meme token trading, perpetual contracts (perps), and prediction markets, creating a one-stop decentralized digital asset trading experience for users.

ChainCatcher news, the DeFi Education Fund disclosed that the Blockchain Regulatory Certainty Act (BRCA) has been included in the latest version of the CLARITY Act. This is an important step in protecting non-custodial, peer-to-peer technology developers while maintaining strong regulation of custodial financial institutions.The revised bill reflects a prudent balance—based on the guidance issued by FinCEN in 2019, which clearly states that when developers and infrastructure providers do not control customer funds, they should not be regulated as money transmitters.Organizations supporting this statement include:Coin CenterDeFi Education FundSolana Policy InstituteThe Digital ChamberBlockchain AssociationCrypto Council for InnovationParadigmUniswap LabsJumpBitcoin Policy Institute

According to ChainCatcher news, as reported by DL News, the defense attorney for Tornado Cash co-founder Roman Storm accused U.S. federal prosecutors of misleading the court on the legal applicability of non-custodial crypto mixers, claiming that the prosecution failed to disclose key communications with the Financial Crimes Enforcement Network (FinCEN), which could undermine the government's core allegations that Tornado Cash operates as an unlicensed money transmission business.Roman Storm's defense cited details disclosed in a case related to the Samourai Wallet developers, emphasizing that FinCEN had previously stated that Samourai Wallet might not meet the definition of a money services business due to its non-custodial nature. Given that Tornado Cash is also a non-custodial protocol, the defense argues that this position is equally applicable.Currently, Roman Storm's legal team is requesting the court to order the government to disclose all communications with FinCEN and provide materials related to the Samourai Wallet case, with the trial expected to begin on July 14.

ChainCatcher news, according to The Block, the Financial Crimes Enforcement Network (FinCEN) has accused banking giant TD Bank of failing to report suspicious activities involving an unnamed group of clients engaged in international cryptocurrency transactions.FinCEN stated that TD Bank processed over 2,000 transactions for a company referred to as "Client Group C" within nine months, which was identified as "allegedly engaged in sales in the financial and real estate sectors." Client Group C misrepresented its planned international wire activities to TD Bank, claiming that its annual sales would not exceed $1 million. In fact, Client Group C allegedly conducted over $1 billion in transactions through TD Bank. Furthermore, 90% of Client Group C's funds came from a UK cryptocurrency exchange, and 60% of the funds flowed to financial institutions in Colombia providing digital asset-related services. Client Group C did not list Colombia as one of the jurisdictions it intended to deal with while working with TD Bank and continued to engage with "high-risk industries and companies" in regions such as the Middle East.Previous news reported that TD Bank became the first bank in the U.S. to admit to conspiracy to launder money, resulting in a $3 billion fine.

ChainCatcher news, TokenPocket announced on its official X account that it has obtained the MSB (Money Services Business) license issued by the U.S. FinCEN (Financial Crimes Enforcement Network). This license will assist TokenPocket's global operating entity TP Global Ltd in conducting cryptocurrency and payment-related business activities in multiple states across the United States. TokenPocket officially stated that it will gradually apply for compliance licenses in more countries and regions to provide users with diversified cryptocurrency services.It is reported that TokenPocket is a leading global multi-chain self-custody wallet, supporting mainstream public chains such as BTC, ETH, BSC, TRON, Solana, DOGE, Polygon, Arbitrum, and Optimism. It offers a mobile wallet, Chrome extension wallet, and hardware wallet. TokenPocket has provided reliable services to over 25 million users worldwide, with more than 3.5 million monthly active users, spanning over 200 countries and regions globally.

ChainCatcher news, according to The Block, Coinbase stated in comments submitted to the Financial Crimes Enforcement Network (FinCEN) on Monday that the U.S. Treasury's proposed rulemaking on cryptocurrency mixing fails to adequately address regulatory gaps while requiring crypto platforms to provide unnecessary data and resources. Coinbase stated that regulated crypto platforms are already obligated to record and report suspicious activities and illegal crypto mixing rules, but requiring crypto platforms to report all cryptocurrency mixing activities, including those with legitimate purposes, is not an effective use of company resources. The document also questioned the lack of a monetary threshold for record-keeping and reporting. Coinbase's Chief Legal Officer Paul Grewal wrote in an X post that the absence of a monetary threshold "will only lead to a large number of reports of non-suspicious transactions." Grewal stated, "Congress has indicated that this data dump is a waste of time and resources."Grewal stated in an X post, "If the Treasury wants to focus on this issue, they should help exchanges fulfill their existing obligations to report suspicious activities involving mixing. This is what the Treasury has done elsewhere, and specific guidance is more effective than mandatory bulk reporting rules." In light of these issues, Coinbase suggested that FinCEN should introduce a threshold to eliminate bulk reporting of small transactions. Coinbase also recommended that only record-keeping should be required, rather than reporting, to mitigate privacy and security risks.Coinbase's comments are a response to FinCEN's proposed rulemaking aimed at increasing the transparency of cryptocurrency mixing activities, which was introduced last October. Many illicit actors, such as North Korean hackers and Russian ransomware attackers, use crypto mixers for money laundering activities. While FinCEN stated in its proposal that such mixers may facilitate money laundering, it acknowledged that cryptocurrency mixing can be used for "legitimate and innovative purposes."

ChainCatcher news, according to Bloomberg, the U.S. Department of the Treasury's Financial Crimes Enforcement Network (FinCEN) wrote in a document that about two-thirds of the largest counterparties for receiving and sending transactions for Bitzlato are related to darknet markets or scams: from May 2018 to September 2022, Binance was the largest counterparty for receiving Bitcoin, followed by the Russian-linked darknet market Hydra and the Russia-based scam TheFiniko in second and third places, respectively. The top three sending counterparties during the same period were Hydra, the Finnish Bitcoin exchange Local Bitcoins, and TheFiniko.In response, a Binance spokesperson wrote in a statement that Binance "has provided significant assistance to international law enforcement partners supporting this investigation, reflecting Binance's commitment to working with global law enforcement partners." (Bloomberg)

ChainCatcher news, according to Cointelegraph, Gate US has stated that it has obtained licenses from "several" states, as well as a money services business license issued by FinCEN, bringing Gate.US closer to launching services in the United States.It is reported that Gate US did not disclose which states it received licenses from but indicated that it is not yet accepting users from the country at this stage. Other top exchanges registered in the United States include Coinbase, Kraken, Binance US, and Gemini. (Cointelegraph)

ChainCatcher news, a FinCEN document obtained by The New York Times shows that Twitter submitted a filing last week to venture into payment services.Previously, Musk announced on November 2 that the price for Twitter Blue verification service would be set at $8 per month to address the issue of spam accounts and reward content creators. (source link)