【新西兰华人每日资讯网讯】新西兰政府决定不再推进全面禁止加密货币ATM（Crypto ATM）的立法计划，转而采取更具针对性和比例原则的监管方式，以减少虚拟资产被犯罪分子利用的风险。

新西兰司法部副部长妮可·麦基（Nicole McKee）表示，政府将通过新的监管权力，对涉及虚拟资产的现金交易实施必要限制，同时保留合法商业、投资及个人使用加密资产的空间。

政府重新评估全面禁令

2025年6月，新西兰内阁原则上同意禁止加密货币ATM，但当时的决定仍需进一步进行政策分析。

政府现已完成相关评估，并认为存在比全面禁止更加灵活的监管方案。

麦基表示，禁止某项服务是一项严肃决定，不应轻率作出。

“内阁已经审议相关证据，并认为目前全面禁止并不是正确的应对方式。”

政府承认，加密货币ATM确实存在犯罪风险。犯罪分子可能利用现金快速购买虚拟资产，并将资金转移至其他账户或海外。

不过，政策分析同时发现，加密货币ATM也存在合法用途。

例如，一些较依赖现金的新西兰居民可能通过相关设备购买或投资虚拟资产。

政府拟限制虚拟资产现金交易

新西兰政府决定建立新的法规制定权力，使政府能够针对虚拟资产现金交易实施限制。

未来可能采取的措施包括设定单笔或累计交易金额上限。

如果新西兰出现明确证据，显示某些高风险虚拟资产被广泛用于犯罪活动，政府也可能禁止使用现金购买相关虚拟资产。

麦基表示，这种方式能够为政府提供实际监管工具，在出现风险时迅速采取行动，同时避免对合法用户实施不必要的限制。

“这让政府能够应对风险，同时为合法商业、投资及个人选择保留空间。”

现金转入加密货币成为反洗钱关注重点

新西兰政府指出，现金长期以来对有组织犯罪具有吸引力，其中一个重要原因是现金交易难以追踪。

当现金被转换为比特币等加密货币或其他虚拟资产后，资金可能快速跨境转移。

执法机构在发现及阻止相关资金流动时可能面临更大困难。

因此，加密货币ATM及现金购买虚拟资产已经成为新西兰反洗钱监管的重要关注领域。

麦基表示，政府并没有忽视相关风险，而是希望建立能够根据证据快速采取行动的监管机制。

属于新西兰反洗钱制度改革一部分

有关决定是新西兰反洗钱及打击恐怖主义融资（AML/CFT）制度改革的一部分。

政府表示，改革目标是让合法企业更容易开展业务，同时增加犯罪分子利用金融体系进行非法活动的难度。

麦基已经要求政府官员与加密货币服务提供商及用户进行咨询，研究如何实施新的保护措施，并在金融创新与犯罪风险之间取得平衡。

政府计划于本月晚些时候向国会提交《反洗钱及打击恐怖主义融资综合修正法案》（AML/CFT Omnibus Amendment Bill）。

法案将加入新的法规制定权力，为限制虚拟资产现金交易提供法律依据。

随着新西兰加密资产市场继续发展，政府未来可能根据犯罪风险及执法证据进一步调整监管措施。

The Government will not proceed with a blanket legislative ban on crypto ATMs, instead taking a targeted and proportionate approach to reducing the criminal misuse of virtual assets, says Associate Justice Minister Nicole McKee.

In June 2025, Cabinet agreed in principle to ban crypto ATMs, subject to further policy analysis. That analysis has now been completed and found that a more flexible approach is available.

“Banning something is a serious decision that should not be taken lightly. Cabinet has now considered the evidence and agreed that a blanket ban is not the right response at this time,” says Mrs McKee.

“Crypto ATMs present real risks, particularly where criminals use cash to move funds into virtual assets quickly and anonymously. But the analysis also found they can have legitimate uses, including for cash-reliant New Zealanders who want to access or invest in virtual assets.

“New Zealand should be a country that welcomes innovation while taking criminal misuse seriously. That is why Cabinet’s earlier decision was made in principle and subject to further analysis. If there was a less restrictive way to manage the risks, we wanted to find it.

“Instead of an outright ban, Cabinet has agreed to establish regulation-making powers that would allow the Government to place restrictions on cash transactions for virtual assets. These could include maximum transaction thresholds or, if clear evidence of harm emerges in New Zealand, prohibit cash payments for high-risk virtual assets.

“This gives the Government practical tools to respond to risk while preserving space for legitimate business, investment, and personal choice.

“These decisions form part of the Government’s wider reform of New Zealand’s Anti-Money Laundering and Countering Financing of Terrorism system, aimed at making it easier to do business and harder to commit crime.

“Cash remains attractive to organised crime because it is difficult to trace. When cash is converted into virtual assets, such as cryptocurrencies, criminals can move funds rapidly across borders in ways that are difficult for law enforcement to detect or disrupt.

“That is why we are not ignoring the risks. We are putting practical tools in place so the Government can act quickly if the evidence justifies it, while avoiding unnecessary restrictions on lawful users.

“I have asked officials to consult with crypto providers and users on options for implementing protections that strike the right balance.”

The AML/CFT (Omnibus) Amendment Bill will be introduced later this month and will incorporate a regulation making power to give effect to this decision.