新年以来，第三方支付巨头加大对虚拟货币交易方的通道整治力度。近日，微信支付和支付宝纷纷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。在从严整治的情况下，北京商报记者也发现，已有多家机构在推出数字货币支付解决方案，号称可利用集成系统、区块链技术等解决虚拟货币交易的入金、出金等结算问题。
& nbsp; New Year's, third parties pay giants to step up their access to virtual currency traders. In recent days, a lawyer's letter has been sent to the gunnets asking them to set up payment corridors in their OTC services and stop illegal use of their trademarks. In the context of severe regulation, Beijing merchant journalists have also found that a number of institutions are introducing a digital currency payment solution, stating that they can use integrated systems, block chain technology, etc. to resolve the settlement of virtual currency transactions, etc. .
在分析人士看来，这种新支付渠道本质上是将泰达币作为一种中心货币，完成与其他数字货币的自由兑换。看似多了一个更为合规的渠道，但本质上与旧通道并无没有区别，易成为洗钱、金融诈骗、传销等违法活动的“温床”。
According to analysts, this new payment channel is essentially a central currency that completes free exchange with other digital currencies. There seems to be a more compliant channel, but it is not so different from the old one, and it can easily become a hotbed for money-laundering, financial fraud, distribution, etc.
传统通道遭“封杀”
Traditional access has been “sealed”
虚拟货币交易一直是监管清查的重点，据了解，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，并非使用了第三方交易接口。1月29日上午10时24分，北京商报记者登录火币网官网发现，在火币网法币交易一栏列出的一键购买信息中，微信支付、支付宝等依然在列。另在大宗交易以及普通交易中，微信等付款方式也被频繁使用。
Virtual currency transactions have been the focus of surveillance checks, and it is understood that the third-party trading channels used in the currency network OTC transactions are self-developed, with the recipient submitting its own two-dimensional collection code, payment-scanning, and not using the third-party transaction interface. On 29 January, at 10.24 a.m., a reporter from the Beijing Chamber of Commerce entered the money network and found that micro-payment, payment treasures, etc., were still listed among the key purchase information listed in the currency exchange column. In large transactions, as well as in ordinary transactions, payment methods such as micro-credit were also frequently used.
针对此事，北京商报记者分别向支付机构求证。微信支付表示，并未为相关虚拟币提供交易支持，针对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，腾讯已经发函沟通令其进行下架处理。支付宝也称，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。针对有平台违规使用支付宝LOGO的行为，也将采取法律手段。对于违规使用支付宝进行虚拟币交易的用户，一经核实，将会对账户进行限制收款等处罚。
In response to this, the Beijing correspondent asked the paying agency separately to verify the fact that the payment was not supported by a transaction in the currency in question. The micro-payment icon on the OTC platform of the digital currency exchange, such as the coin, was an autonomous act on the part of the platform, for which the communication was sent. The payment treasure also stated that it was categorically refused to provide a bill service to the virtual currency website. The virtual currency trading platform currently listed did not provide a bill of receipt service. If it was found that the connected business had acted in a way that involved a virtual currency transaction, it was also found that there was one, and that there would be a legal means to deal with the illegal use of the pay-for-money LOGO.
事实上，自2017年9月起，央行就会同相关部门在互联网金融风险专项整治工作框架下，指导地方政府清理整顿比特币等虚拟货币交易场所和ICO活动。截至2018年5月，110个网站(包括火币网、币安网等交易平台)已被屏蔽。从第三方支付巨头来看，腾讯早在2017年9月、2018年3月的大型专项清理工作中，就分别对部分公众号涉嫌发布ICO和虚拟货币交易炒作信息进行限制功能甚至账号被永久封停。支付宝目前已经排查并关闭了约3000个从事虚拟货币交易的账户。
In fact, since September 2017, the Central Bank, together with the relevant departments, has been directing local governments to clean up virtual currency trading sites and ICO activities, such as Bitcoin, within the framework of the special Internet financial risk management effort. As of May 2018, 110 websites (including the gunnet, currency net, etc.) had been blocked.
对第三方支付机构大力整治虚拟货币支付通道的原因，资深区块链专家何南野分析认为，虚拟货币的随意交易，很容易引发洗钱、传销、金融欺诈等行为，反洗钱已经成为近几年金融业监管的工作重点，第三方支付机构也是为了响应监管要求。此外，对第三方支付机构而言，也是保护其自身的一种行为，因为在实践当中，很多的虚拟货币交易是骗局和欺诈高发区，很多投资者被骗后，可能会要求第三方支付机构赔偿，无形之中对第三方支付机构的声誉造成了很不好的影响。
In response to the reasons why third-party payment agencies are struggling to regulate virtual currency payment channels, the senior block chain expert Ho Nanno's analysis suggests that casual transactions in virtual currency can easily trigger money-laundering, distribution, financial fraud, etc. Anti-money-laundering has been the focus of regulation in the financial sector in recent years, and that third-party payment agencies have responded to regulatory requirements. Moreover, for third-party payment agencies, it is one of their own actions to protect themselves, since in practice many virtual currency transactions are high-profile frauds and frauds, and many investors may be defrauded, and third-party payment agencies may be required to pay compensation, with the intangible having a very negative impact on the reputation of third-party payment agencies.
逃避监管
I'm running away from custody.
在各项整治力度不断加大的情况下，北京商报记者关注到，目前已有多家机构在推出数字货币支付解决方案，号称可利用集成系统、区块链技术等解决虚拟货币交易的入金、出金等结算问题。北京商报记者以购买数字货币支付通道为由，接触到了一位交易人员，据他介绍，目前使用的数字货币兑换平台主要以当下最火热的USDT/泰达币作为主要流通货币。用纯撮合模式将场外数字货币兑换和数字货币收款结合，开发API接口，将服务作为插件嵌入场景中，主要为IT、金融、贸易等行业服务。
In the context of increasing efforts to address the problems of digital currency payments, which are now being implemented by a number of institutions, such as integrated systems, block-chain technologies, etc., to resolve the settlement of virtual currency transactions, such as cash and cash. A Beijing correspondent approached a trader on the grounds of purchasing a digital currency payment route. According to him, the digital currency exchange platform currently in use is mainly based on the hottest current USDT/Teda currency as the main currency in circulation. A net-sum model is used to combine off-site digital currency exchange with digital money receipts, and an API interface is being developed, using services as a plug-in scenario, mainly for IT, finance, trade, etc.
上述交易人员称，“网联成立后，要求第三方支付平台必须接入网联，这对金融业务有很大的限制，而数字货币支付是通过加密数字出入金，通过平台商，客户出入金均可通过USDT承兑商收付款，跳开第三方支付，不受国家网联监控，与平台无任何资金往来，能有效降低风险”。
According to the traders, “after the establishment of the network, third-party payment platforms are required to be connected to the network, which is a major constraint on financial operations, while digital currency payments are made through encrypted digital access funds, through which customers can make payments through the United Nations ICT underwriters, skip third-party payments, are not monitored by the national network and are not subject to any financial transactions with the platform, effectively reducing the risk”.
对此类数字货币支付通道模式，何南野认为，任何出金入金的行为都无外乎一样的套路，本质上都在规避监管。这种新的支付渠道，本质上是将泰达币作为一种中心货币(一种具有公信力的数字货币)，然后通过这个中心货币完成与其他数字货币的自由兑换。之前的通道，是持不同币种的投资者通过交易所直接进行撮合，以个人对个人的方式实现了货币的兑换。新渠道只不过多了一个看似更为合规的切换而已，本质上没有区别，都能实现洗钱、金融诈骗、传销等违法活动。
This new payment channel is essentially a central currency (a credible digital currency) through which a free exchange with other digital currencies can be completed. The previous channel was a direct match between investors in different currencies through an exchange, which enabled the exchange of money by individuals.
“无论怎么支付，最终都实现了不同数字货币与法定货币间的兑换交易，也就很容易发生洗钱、金融诈骗等行为，这是不符合监管要求的。” 何南野如是说道。
“However it is paid, the exchange transaction between different digital and legal currencies is eventually achieved, and money-laundering, financial fraud, etc., can easily occur, which does not comply with regulatory requirements.” Ho Namino said.
风险滋生难防范
Risk breeds risk.
近年来，以虚拟货币为工具的违法金融犯罪活动越来越多样，并呈蔓延之势。何南野进一步指出，不管经过什么支付通道，都是监管部门所不认同的，是在触犯法律的相关规定，交易双方都面临相关的法律风险。另外，在支付过程中，加了一道借助中心货币的转换过程，该中心货币本身的安全性至关重要。如果该中心货币本身不靠谱，那如何保障交易的安全性？目前来看，随着支付通道的复杂性提升，无疑也将提高交易双方的交易成本，让数字货币交易的优势减弱，使数字货币越来越偏离其初衷。
In recent years, financial crimes using virtual currency as a tool have become increasingly common and widespread. He Nanno further notes that, regardless of the payment route, it is not accepted by the regulatory authorities, that it is in violation of the relevant provisions of the law, and that both parties to the transaction face related legal risks. Moreover, the security of the centre’s currency itself is crucial in the payment process, with a process of conversion that draws on the central currency.
早在2013年底，央行就约谈了各主要的第三方支付机构，要求其禁止为比特币交易平台提供结算业务。不过，虚拟货币拥有匿名性、能够跨境流通等特点，使得监管难以追踪。
As early as the end of 2013, the central bank interviewed the major third-party payment agencies, demanding that they ban clearing operations for the Bitcoin trading platform. However, virtual currency features such as anonymity and ability to circulate across borders make regulation difficult to track.
资深金融分析师肖磊对北京商报记者介绍称，新的交易方式，无论利用了什么技术，只要是有法币转换为数字货币这一步，都很难避开银行或第三方支付机构，此类技术的目的只是让这类交易更隐蔽，从一种集中的形式变成更分散的形式。这类交易通道可能更不好监管，但也很难出现规模效应，未来持续存在的可能性不大。
Senior financial analysts Xiao Xiao explained to the Beijing newspaper reporter that it is difficult to avoid banks or third-party payment agencies with regard to the new mode of dealing, whatever technology is used, as long as it is converted from French to digital currency. The purpose of such technology is simply to make such transactions more hidden, moving from a centralized form to a more decentralized one. Such trade routes may be less regulated, but it is also difficult to produce scale effects, and there is little likelihood that they will continue to exist in the future.
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