今年1月25日，微信支付和支付宝曾经向火币网发送律师函，要求火币网下架其OTC服务中的支付通道，停止非法使用其商标。不过科技金融在线调查发现，时间过去了一个月，火币OTC业务仍然在使用微信和支付宝交易，用户可以直接购买比特币和以太坊。
On 25 January of this year, a letter from a lawyer was sent to the Democratic People’s Republic of Korea to demand that the Democratic People’s Republic of Korea network stop illegally using its trademarks by setting up payment corridors in its OTC services. However, an online survey of science and technology finance found that, one month later, the business of the Democratic People’s Republic of Korea (OTC) was still trading in micro-mails and payment treasures and that users could buy Bitcoin and Etheria directly.
微信、支付宝仍然可以直接购买比特币
1月24日，在李林发给全体内部员工的公开信中表示，2018年火币OTC日均交易额超过1亿美金，已经成为全球交易量最大的OTC平台之一。第二天，微信支付和支付宝就向火币网发送律师函，要求火币网下架其OTC服务中的支付通道，停止非法使用其商标。 On 24 January, in a public letter sent to all internal staff by Li Lin, it was stated that the average daily transaction in 2018 was over $100 million and that it had become one of the most traded OTC platforms in the world. The next day, we sent a lawyer’s letter to the Democratic People’s Republic of Korea to send a letter on the payment and payment of treasures to the Democratic People’s Republic of Korea, demanding that the Democratic People’s Republic of Korea network set up a payment route for its OTC services and stop using its trademark illegally. 不过科技金融在线调查发现，用户仍然可以使用微信和比特币直接购买比特币，甚至还是火币重点推荐的功能。 However, an online survey of science and technology finance found that users could still use micro-mail and bitcoin for direct purchases of bitcoins, or even for the functions recommended by the currency priorities. 火币OTC一键购买页面 支付宝支付页面 微信支付页面 火币网OTC交易中使用的第三方交易通道为自行开发，由收款方自行提交收款二维码，付款方扫码支付。 The third-party transaction route used in the TPN OTC transaction is self-developed, with the recipient submitting its own two-dimensional collection code (D2D) for payment by the payer. 不过在扫描付款页面，火币特别提醒用户转账时不要备注类似BTC、USDT、火币等信息，否则卖家可拒收。 However, during the scanning of payment pages, the user is specifically reminded not to note information similar to BTC, USDT, etc., or the seller may refuse. 除了一键购买功能，在大宗交易中，也提示可以使用微信和支付宝交易。 In addition to the one-key purchasing function, the use of micro-letters and payment treasures is also suggested in large-scale transactions. 火币OTC大宗交易页面 微信支付去年底对媒体表示，并未为相关虚拟币提供交易支持，火币等数字货币交易所OTC平台上所显示的微信支付图标为平台方自主行为。微信支付还进一步强调，针对“境内外ICO代币发行、虚拟货币交易”等非法金融活动一直秉持坚决不提供相关服务的原则，包括不提供相关支付通道、广告宣传服务等业务，对平台发现及用户举报的违规行为，会第一时间采取相应的措施。 At the end of last year, the micro-payment indicated to the media that there was no transactional support for the virtual currency in question, and that the micro-payment icon displayed on the OTC platform of the digital currency exchange, such as the gun price, was an autonomous act of the platform. The micro-payment further stressed that illegal financial activities such as the issuance of currency in & ldquo; the virtual currency transaction & rdquao, both within and outside the country; and the principle of a firm failure to provide related services, including the non-provision of payment channels, advertising services, etc., were the first steps to be taken against the platform’s detection and reporting of irregularities. 支付宝也对外宣称，支付宝坚决拒绝为虚拟币网站提供收单服务。目前所排查到的虚拟币交易平台，支付宝均未提供收单服务。如果发现已接入商户有涉及虚拟币交易的行为，也会发现一起，清退一起。 Payment treasures also claim that payment treasures are categorically refusing to provide billing services for virtual currency websites. No billing services are available for payment treasures in the virtual currency trading platforms currently being identified. OTC交易暗藏洗钱风险 OTC transactions hide the risk of money laundering 由于数字货币具有匿名、不可追踪、跨国交易等属性，交易双方相互配合极易诱发洗钱行为。2018年在阿根廷举办的G20峰会上，加密货币等区块链技术为世界经济发展做出了重大贡献，然而也在洗钱和恐怖主义融资方面提出了挑战，提出国际社会争取在2020年之前提出限制利用数字货币洗钱的对策方针。 Since digital money is anonymous, untraceable, transnational transactions, etc., there is a great risk that the two parties to the transaction will collaborate to induce money-laundering. At the G-20 Summit in Argentina in 2018, block-chain technology, such as crypto-currency, made a significant contribution to the world’s economic development, but it also posed a challenge in the area of money-laundering and the financing of terrorism by proposing a course of action by the international community to limit the use of digital money-laundering by 2020. 2017年9月4日，中国央行等7部委发布《七部门关于防范代币发行融资风险的公告》，公告明确要求“各金融机构和非银行支付机构不得开展与代币发行融资交易相关的业务”。 On 4 September 2017, seven ministries and departments, including the Central Bank of China, issued a seven-sector bulletin on protection against the risk of financing the issuance of money in currencies, which explicitly required & ldquo; financial institutions and non-bank paying agencies should not conduct operations related to the financing of the issuance of money in currencies & & rdquo; 2018年9月18日央行上海总部再次发布公告，提示虚拟货币交易风险，并明确提出从支付结算端入手持续加强清理整顿，指导相关支付机构加强支付渠道管理、客户识别和风险提示，建立监测排查机制，停止为可疑交易提供支付服务的解决措施。 On 18 September 2018, the Central Bank's Shanghai headquarters issued a further announcement alerting the risks of virtual currency transactions and explicitly proposing a continuous and intensified clean-up from the payment settlement point forward, providing guidance to relevant payment agencies on strengthening payment channel management, customer identification and risk alerts, establishing a mechanism for monitoring check-ups, and ending settlement measures to provide payment services for suspicious transactions. 国家外汇管理局副局长陆磊在去年7月份参加第五届金融科技外滩峰会上表示，数字货币洗钱已经成为潜在威胁——用各种tocken、虚拟币作为中介，先将汇款人所在地的法币转为代币，再在收款端将代币转为收款人所在地的法定货币，在事实上完成跨境支付。从监管角度，陆磊提到，国家外管局目前正在推进“数字外管”建设，以此形成大数据实时监测和管理平台。 The Deputy Director-General of the National Foreign Exchange Administration stated at the Fifth Financial Science and Technology Foreign Beach Summit last July that digital money-laundering had become a potential threat & mdash; & mdash; with various tocken, virtual currency as an intermediary, to convert the French currency where the money was sent to the currency of the recipient first, to the legal currency where the payee was located at the receiving end, and to effect cross-border payments. From a regulatory point of view, the NFA mentioned that it was currently promoting & ldquao; & rdquao; and to build a large data real-time monitoring and management platform. 2月21日，银保监会发布《银行业金融机构反洗钱和反恐怖融资管理办法》，为预防洗钱和恐怖融资活动，做好银行业金融机构反洗钱和反恐怖融资工作，《通知》要求自公布之日起，银行业金融机构开展新业务、应用新技术之前应当进行洗钱和恐怖融资风险评估。 On 21 February, the Superintendence of Banks issued the Measures for the Administration of Anti-Money Laundering and Counter-Terrorism Financing in Banking Financial Institutions, which, in order to prevent money-laundering and terrorist financing, are engaged in anti-money-laundering and counter-terrorism financing. The Circular requires banking financial institutions to carry out a risk assessment of money-laundering and terrorist financing from the date of publication prior to the start of new operations and the application of new technologies. 目前看来，无论是火币，还是微信和支付宝，在这方面做的工作还远远不够。 At present, it appears that much more work has been done in this area, whether in the form of flares or in the form of micro-letters and payment treasures.
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