C&aacute;c Ti&#7875;u V&#432;&#417;ng Qu&#7889;c &#7842; R&#7853;p Th&#7889;ng Nh&#7845;t (UAE) &#273;&atilde; &#273;&#432;a ra m&#7897;t trong nh&#7919;ng cu&#7897;c c&#7843;i c&aacute;ch quy &#273;&#7883;nh l&#7899;n nh&#7845;t trong nhi&#7873;u n&#259;m, v&agrave; c&aacute;c nh&agrave; ph&aacute;t tri&#7875;n crypto cho r&#7857;ng &#273;i&#7873;u n&agrave;y t&#432;&#417;ng &#273;&#432;&#417;ng v&#7899;i vi&#7879;c c&#7845;m t&#7921; qu&#7843;n l&yacute; t&agrave;i s&#7843;n m&#7897;t c&aacute;ch gi&aacute;n ti&#7871;p.
Thay &#273;&#7893;i m&#7899;i n&agrave;y d&#7845;y l&ecirc;n nh&#7919;ng lo ng&#7841;i kh&#7849;n c&#7845;p cho v&#7883; th&#7871; c&#7911;a Dubai nh&#432; l&agrave; m&#7897;t trong nh&#7919;ng trung t&acirc;m crypto h&agrave;ng &#273;&#7847;u th&#7871; gi&#7899;i.
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-uae-rewrites-the-rules-for-crypto-access">UAE vi&#7871;t l&#7841;i quy &#273;&#7883;nh ti&#7871;p c&#7853;n ti&#7873;n &#273;i&#7879;n t&#7917;</h2>

M&#7897;t lu&#7853;t Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng m&#7899;i ban h&agrave;nh, c&oacute; hi&#7879;u l&#7921;c t&#7915; ng&agrave;y 16/09/2023, m&#7903; r&#7897;ng &#273;&aacute;ng k&#7875; y&ecirc;u c&#7847;u c&#7845;p ph&eacute;p. C&#7909; th&#7875;, n&oacute; tr&#7903; th&agrave;nh m&#7897;t t&#7897;i ph&#7841;m ti&#7873;m t&agrave;ng khi cung c&#7845;p ngay c&#7843; nh&#7919;ng c&ocirc;ng c&#7909; ti&#7873;n &#273;i&#7879;n t&#7917; c&#417; b&#7843;n, nh&#432; <a href="https://beincrypto.com/learn/getting-started-with-bitcoin-wallets" target="_blank" rel="noreferrer noopener">v&iacute; Bitcoin</a> ho&#7863;c c&ocirc;ng c&#7909; t&igrave;m ki&#7871;m blockchain, cho ng&#432;&#7901;i d&acirc;n UAE m&agrave; kh&ocirc;ng c&oacute; s&#7921; cho ph&eacute;p.
Lu&#7853;t S&#7855;c l&#7879;nh Li&ecirc;n bang S&#7889; 6 n&#259;m 2025, &#273;&#432;&#7907;c c&ocirc;ng b&#7889; tr&ecirc;n C&ocirc;ng b&aacute;o Ch&iacute;nh ph&#7911; UAE, thay th&#7871; lu&#7853;t ng&acirc;n h&agrave;ng n&#259;m 2018 v&agrave; &#273;&#432;a ra m&#7897;t v&#7909;ng &#273;i&#7873;u ch&#7881;nh m&#7841;nh m&#7869; h&#417;n nhi&#7873;u.
Trong khi c&aacute;c quy t&#7855;c tr&#432;&#7899;c &#273;&acirc;y y&ecirc;u c&#7847;u c&#7845;p ph&eacute;p cho c&aacute;c t&#7893; ch&#7913;c th&#7921;c hi&#7879;n c&aacute;c ho&#7841;t &#273;&#7897;ng t&agrave;i ch&iacute;nh &#273;&#432;&#7907;c &#273;i&#7873;u ch&#7881;nh, ch&uacute;ng kh&ocirc;ng &aacute;p &#273;&#7863;t c&aacute;c h&igrave;nh ph&#7841;t h&igrave;nh s&#7921; cho vi&#7879;c kh&ocirc;ng tu&acirc;n th&#7911;.
Theo <a href="https://www.gibsondunn.com/uae-central-bank-issues-new-central-bank-law-consolidating-financial-sector-regulation/" target="_blank" rel="noreferrer noopener nofollow">ph&acirc;n t&iacute;ch</a> ph&aacute;p l&yacute; t&#7915; Gibson Dunn, &#272;i&#7873;u 170 hi&#7879;n t&#7897;i ph&#7841;m h&oacute;a t&#7845;t c&#7843; c&aacute;c ho&#7841;t &#273;&#7897;ng t&agrave;i ch&iacute;nh kh&ocirc;ng c&oacute; gi&#7845;y ph&eacute;p. H&igrave;nh ph&#7841;t dao &#273;&#7897;ng t&#7915; t&ugrave; giam cho &#273;&#7871;n m&#7913;c ph&#7841;t t&#7915; 50,000 AED &#273;&#7871;n 500 tri&#7879;u AED (t&#432;&#417;ng &#273;&#432;&#417;ng 136 tri&#7879;u USD).
&#272;i&#7873;u &#273;&aacute;ng ch&uacute; &yacute; l&agrave; c&aacute;c h&igrave;nh ph&#7841;t n&agrave;y &aacute;p d&#7909;ng cho c&aacute;c c&ocirc;ng ty cung c&#7845;p s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh, c&#361;ng nh&#432; cho b&#7845;t k&#7923; ai h&#7895; tr&#7907; ch&uacute;ng th&ocirc;ng qua c&ocirc;ng ngh&#7879;.
<h3 class="wp-block-heading" id="h-self-custody-tools-now-fall-under-the-licensing-net">C&ocirc;ng c&#7909; t&#7921; b&#7843;o qu&#7843;n gi&#7901; ph&#7843;i ch&#7883;u s&#7921; gi&aacute;m s&aacute;t c&#7911;a gi&#7845;y ph&eacute;p</h3>

&#272;&acirc;y l&agrave; n&#417;i m&agrave; ng&agrave;nh c&ocirc;ng nghi&#7879;p crypto nh&#7853;n th&#7845;y c&uacute; s&#7889;c l&#7899;n nh&#7845;t.
Nh&agrave; ph&aacute;t tri&#7875;n Mikko Ohtamaa c&#7843;nh b&aacute;o r&#7857;ng lu&#7853;t n&agrave;y &ldquo;bi&#7871;n th&agrave;nh t&#7897;i ph&#7841;m&rdquo; khi cung c&#7845;p v&iacute; t&#7921; qu&#7843;n l&yacute; Bitcoin, c&ocirc;ng c&#7909; t&igrave;m ki&#7871;m blockchain, ho&#7863;c th&#7853;m ch&iacute; c&aacute;c c&ocirc;ng c&#7909; d&#7919; li&#7879;u th&#7883; tr&#432;&#7901;ng nh&#432; CoinMarketCap m&agrave; kh&ocirc;ng c&oacute; gi&#7845;y ph&eacute;p t&#7915; Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng.
<blockquote class="max-w-xl text-4.5 border-l-2 border-blue-600 pl-11 mb-9 select-all [&amp;_p]:!mb-0 wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
&ldquo;Ch&#7881; Bitcoin m&agrave; b&#7841;n &#273;&#432;&#7907;c ph&eacute;p s&#7903; h&#7919;u l&agrave; m&#7897;t &#273;&#432;&#7907;c Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng UAE cho ph&eacute;p,&rdquo; &ocirc;ng <a href="https://x.com/moo9000/status/1989247472888115262" target="_blank" rel="noreferrer noopener nofollow">vi&#7871;t</a>, nh&#7845;n m&#7841;nh m&#7913;c &#273;&#7897; bao qu&aacute;t c&#7911;a ng&ocirc;n ng&#7919; lu&#7853;t.
</blockquote>

&#272;i&#7873;u kho&#7843;n li&ecirc;n quan, &#272;i&#7873;u 62, m&#7903; r&#7897;ng th&#7849;m quy&#7873;n c&#7911;a Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng &#273;&#7889;i v&#7899;i b&#7845;t k&#7923; c&ocirc;ng ngh&#7879; n&agrave;o &ldquo;tham gia, cung c&#7845;p, ph&aacute;t h&agrave;nh, ho&#7863;c h&#7895; tr&#7907;&rdquo; m&#7897;t ho&#7841;t &#273;&#7897;ng t&agrave;i ch&iacute;nh, tr&#7921;c ti&#7871;p ho&#7863;c gi&aacute;n ti&#7871;p.
&#272;i&#7873;u &#273;&oacute; bao g&#7891;m nh&agrave; cung c&#7845;p h&#7841; t&#7847;ng, <a href="https://beincrypto.com/learn/how-to-build-chatbot-chatgpt" target="_blank" rel="noreferrer noopener">d&#7883;ch v&#7909; API</a>, nh&agrave; ph&aacute;t tri&#7875;n v&iacute;, n&#7873;n t&#7843;ng ph&acirc;n t&iacute;ch, v&agrave; c&aacute;c giao th&#7913;c phi t&#7853;p trung.
Trong th&#7921;c t&#7871;, &#273;i&#7873;u n&agrave;y c&oacute; ngh&#297;a l&agrave; ngay c&#7843; c&aacute;c c&ocirc;ng ty ngo&agrave;i UAE, n&#7871;u s&#7843;n ph&#7849;m c&#7911;a h&#7885; c&oacute; th&#7875; truy c&#7853;p &#273;&#432;&#7907;c cho c&#432; d&acirc;n UAE, c&oacute; th&#7875; b&#7883; xem l&agrave; vi ph&#7841;m.
<h3 class="wp-block-heading" id="h-a-new-crackdown-on-communications-and-marketing">M&#7897;t cu&#7897;c &#273;&agrave;n &aacute;p m&#7899;i v&#7873; truy&#7873;n th&ocirc;ng v&agrave; ti&#7871;p th&#7883;</h3>

M&#7897;t s&#7921; thay &#273;&#7893;i l&#7899;n kh&aacute;c xu&#7845;t ph&aacute;t t&#7915; &#272;i&#7873;u 61, quy &#273;&#7883;nh qu&#7843;ng c&aacute;o, ti&#7871;p th&#7883; ho&#7863;c qu&#7843;ng b&aacute; m&#7897;t ho&#7841;t &#273;&#7897;ng t&agrave;i ch&iacute;nh c&oacute; gi&#7845;y ph&eacute;p l&agrave; m&#7897;t ho&#7841;t &#273;&#7897;ng &#273;&#432;&#7907;c &#273;i&#7873;u ch&#7881;nh.
&#272;i&#7873;u &#273;&oacute; c&oacute; ngh&#297;a l&agrave; ch&#7881; c&#7847;n g&#7917;i m&#7897;t b&#7843;n tin qua email, duy tr&igrave; m&#7897;t trang web, ho&#7863;c th&#7853;m ch&iacute; &#273;&#259;ng m&#7897;t tweet v&#7873; m&#7897;t s&#7843;n ph&#7849;m t&agrave;i ch&iacute;nh kh&ocirc;ng c&oacute; gi&#7845;y ph&eacute;p c&oacute; th&#7875; truy c&#7853;p &#273;&#432;&#7907;c t&#7841;i UAE c&oacute; th&#7875; b&#7883; coi l&agrave; vi ph&#7841;m ph&aacute;p lu&#7853;t.
Gibson Dunn l&#432;u &yacute; r&#7857;ng &#273;i&#7873;u kho&#7843;n n&agrave;y &ldquo;m&#7903; r&#7897;ng &#273;&aacute;ng k&#7875;&rdquo; ph&#7841;m vi &#273;i&#7873;u ch&#7881;nh c&#7911;a UAE, bao g&#7891;m c&#7843; c&aacute;c th&ocirc;ng tin li&ecirc;n l&#7841;c xu&#7845;t ph&aacute;t t&#7915; n&#432;&#7899;c ngo&agrave;i. &#272;&#7889;i v&#7899;i c&aacute;c c&ocirc;ng ty crypto to&agrave;n c&#7847;u, &#273;i&#7873;u n&agrave;y t&#7841;o ra m&#7897;t r&#7911;i ro tu&acirc;n th&#7911; &#273;&aacute;ng k&#7875;.
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-what-it-means-for-dubai-s-crypto-ambitions">&Yacute; ngh&#297;a &#273;&#7889;i v&#7899;i tham v&#7885;ng crypto c&#7911;a Dubai</h2>

UAE &#273;&atilde; d&agrave;nh v&agrave;i n&#259;m qua &#273;&#7875; x&acirc;y d&#7921;ng th&#432;&#417;ng hi&#7879;u l&agrave; &#273;i&#7875;m &#273;&#7871;n to&agrave;n c&#7847;u cho &#273;&#7893;i m&#7899;i blockchain. Qu&#7889;c gia n&agrave;y &#273;&atilde; <a href="https://beincrypto.com/uae-new-tax-exemption-crypto-boom/" target="_blank" rel="noreferrer noopener">thi&#7871;t l&#7853;p c&aacute;c khung c&#7845;p ph&eacute;p th&acirc;n thi&#7879;n</a> th&ocirc;ng qua c&aacute;c khu v&#7921;c t&#7921; do t&agrave;i ch&iacute;nh, nh&#432; <a href="https://beincrypto.com/dubai-vara-issues-legal-changes/" target="_blank" rel="noreferrer noopener">VARA &#7903; Dubai v&agrave; ADGM &#7903; Abu Dhabi</a>.
Tuy nhi&ecirc;n, v&igrave; lu&#7853;t li&ecirc;n bang v&#432;&#7907;t tr&#7897;i h&#417;n quy &#273;&#7883;nh khu t&#7921; do, lu&#7853;t Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng m&#7899;i &aacute;p d&#7909;ng r&#7897;ng kh&#7855;p, ngay c&#7843; trong c&aacute;c khu v&#7921;c th&acirc;n thi&#7879;n v&#7899;i crypto c&#7911;a Dubai.
D&#7851;u v&#7853;y, s&#7921; thay &#273;&#7893;i m&#7899;i nh&#7845;t n&agrave;y ph&ugrave; h&#7907;p v&#7899;i l&#7883;ch s&#7917; r&#7897;ng l&#7899;n h&#417;n c&#7911;a UAE v&#7899;i c&aacute;c h&#7841;n ch&#7871; k&#7929; thu&#7853;t s&#7889; ch&#7863;t ch&#7869;, l&#432;u &yacute; r&#7857;ng ngay c&#7843; c&aacute;c cu&#7897;c g&#7885;i WhatsApp c&#361;ng b&#7883; ch&#7863;n tr&ecirc;n to&agrave;n qu&#7889;c.
M&#7889;i quan ng&#7841;i hi&#7879;n t&#7841;i l&agrave; li&#7879;u c&aacute;c nh&agrave; ph&aacute;t tri&#7875;n, c&aacute;c s&agrave;n giao d&#7883;ch v&agrave; c&aacute;c nh&agrave; cung c&#7845;p v&iacute; c&oacute; r&uacute;t d&#7883;ch v&#7909; kh&#7887;i ng&#432;&#7901;i d&ugrave;ng UAE &#273;&#7875; tr&aacute;nh r&#7911;i ro tu&acirc;n th&#7911; hay kh&ocirc;ng. &#272;&aacute;ng ch&uacute; &yacute;, m&ocirc; h&igrave;nh n&agrave;y &#273;&#432;&#7907;c quan s&aacute;t &#7903; <a href="https://beincrypto.com/fatf-calls-for-greater-enforcement-of-the-travel-rule/" target="_blank" rel="noreferrer noopener">c&aacute;c khu v&#7921;c ph&aacute;p l&yacute; ch&#7883;u &aacute;p l&#7921;c t&#7915; FATF</a> &#273;&#7875; h&#7841;n ch&#7871; quy&#7873;n t&#7921; qu&#7843;n l&yacute; t&agrave;i s&#7843;n.
C&aacute;c th&#7921;c th&#7875; c&oacute; m&#7897;t n&#259;m k&#7875; t&#7915; ng&agrave;y lu&#7853;t c&oacute; hi&#7879;u l&#7921;c &#273;&#7875; &#273;&aacute;p &#7913;ng y&ecirc;u c&#7847;u c&#7845;p ph&eacute;p, d&ugrave; kho&#7843;ng th&#7901;i gian n&agrave;y c&oacute; th&#7875; &#273;&#432;&#7907;c gia h&#7841;n theo quy&#7871;t &#273;&#7883;nh c&#7911;a Ng&acirc;n h&agrave;ng Trung &#432;&#417;ng.
Trong nh&#7919;ng th&aacute;ng t&#7899;i, UAE s&#7869; ph&aacute;t h&agrave;nh c&aacute;c quy &#273;&#7883;nh b&#7893; sung &#273;&#7875; x&aacute;c &#273;&#7883;nh c&aacute;ch m&agrave; nh&#7919;ng quy t&#7855;c n&agrave;y &#273;&#432;&#7907;c &aacute;p d&#7909;ng tr&ecirc;n th&#7921;c t&#7871;.

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