{"id":22816,"date":"2026-09-24T10:42:30","date_gmt":"2026-09-24T10:42:30","guid":{"rendered":"https:\/\/cryptozen.asia\/ph\/eu-banking-watchdog-nagsusulong-ng-mga-regulasyon-sa-crypto-lending-sa-ilalim-ng-mica\/"},"modified":"2026-09-24T10:42:30","modified_gmt":"2026-09-24T10:42:30","slug":"eu-banking-watchdog-nagsusulong-ng-mga-regulasyon-sa-crypto-lending-sa-ilalim-ng-mica","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/ph\/eu-banking-watchdog-nagsusulong-ng-mga-regulasyon-sa-crypto-lending-sa-ilalim-ng-mica\/","title":{"rendered":"EU Banking Watchdog Nagsusulong ng Mga Regulasyon sa Crypto Lending sa ilalim ng MiCA"},"content":{"rendered":"<h2>Pagpapahayag ng European Banking Authority<\/h2>\n<p>Inilatag ng <strong>European Banking Authority (EBA)<\/strong> ang mga potensyal na alituntunin para sa <strong>crypto lending<\/strong> at mga kumpanya na nagbibigay ng access sa mga <strong>decentralized finance (DeFi)<\/strong> protocol bilang bahagi ng pagsusuri ng <strong>European Commission<\/strong> sa <em>Markets in Crypto-Assets (MiCA)<\/em>.<\/p>\n<h2>Regulasyon sa Crypto Lending<\/h2>\n<p>Nananawagan ang EBA na isama ang <strong>crypto lending<\/strong> sa balangkas ng <em>MiCA<\/em> habang isinasalang-alang ng mga regulator ang mga potensyal na pagbabago sa batas. Sa isang tugon sa targeted consultation ng European Commission (EC) tungkol sa <em>MiCA<\/em>, sinabi ng EBA na ang <strong>crypto borrowing<\/strong> at <strong>lending<\/strong> ay dapat i-regulate, kabilang ang mga pagkakataon kung saan ang mga <strong>crypto asset service provider<\/strong> ay nagpapadali ng access sa mga <strong>DeFi lending protocols<\/strong>.<\/p>\n<h2>Rekomendasyon ng EBA<\/h2>\n<p>Inirekomenda ng regulator na magsagawa ang EC ng <strong>cost-benefit analysis<\/strong> ng mga pagbabago sa batas na maaaring magdagdag ng intermediation ng <strong>crypto borrowing<\/strong> at <strong>lending<\/strong> sa listahan ng mga serbisyong regulated sa ilalim ng <em>MiCA<\/em>, na posibleng magdagdag ng mga tiyak na kinakailangan sa pagsunod at mga aktibidad ng oversight.<\/p>\n<p>Iminungkahi din nito ang mga kinakailangan para sa mga <strong>crypto firms<\/strong> na nagbibigay ng access sa mga <strong>DeFi lending protocols<\/strong> para sa kanilang mga kliyente.<\/p>\n<h2>Potensyal na Hakbang<\/h2>\n<p>Inilatag ng EBA ang mga potensyal na hakbang kabilang ang:<\/p>\n<ul>\n<li><strong>Suitability tests<\/strong> para sa mga gumagamit<\/li>\n<li>Mga limitasyon sa <strong>leverage<\/strong><\/li>\n<li>Karagdagang mga kinakailangan sa <strong>pagdedeklara<\/strong><\/li>\n<\/ul>\n<p>Itinaas din ng regulator ang posibilidad ng paglimita sa access sa lending na kinasasangkutan ng <strong>asset-referenced<\/strong> o <strong>e-money tokens<\/strong> na nangangailangan ng <em>MiCA<\/em> authorization, at pagpapakilala ng isang <strong>certification regime<\/strong> para sa mga <strong>DeFi lending protocols<\/strong>.<\/p>\n<h2>Paglago ng Crypto Lending sa EU<\/h2>\n<p>Sinabi ng EBA na ang <strong>crypto lending<\/strong> ay lumalaki sa buong EU, na binanggit ang mga nakaraang pananaliksik na nagpapakita ng mga aktibidad sa paghiram at pagpapautang sa hindi bababa sa <strong>16 na estado ng miyembro ng EU<\/strong>. Ayon dito, ang mas madaling access sa <strong>DeFi<\/strong> sa pamamagitan ng mga <strong>crypto firms<\/strong> at mga tool ng <strong>artificial intelligence<\/strong> ay lalong nagiging malabo ang hangganan sa pagitan ng centralized at decentralized finance.<\/p>\n<p>Ang mga rekomendasyon na ito ay bahagi ng mas malawak na input ng EBA sa pagsusuri ng Commission sa <em>MiCA<\/em>, na sumasaklaw din sa mga alituntunin ng <strong>stablecoin<\/strong>, klasipikasyon ng <strong>crypto-asset<\/strong>, at mga kinakailangan sa <strong>pag-uulat<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pagpapahayag ng European Banking Authority Inilatag ng European Banking Authority (EBA) ang mga potensyal na alituntunin para sa crypto lending at mga kumpanya na nagbibigay ng access sa mga decentralized finance (DeFi) &#8230;<\/p>\n","protected":false},"author":3,"featured_media":22815,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,48],"tags":[4225,5089,9683,4362,9646,9081,4217,4363],"class_list":["post-22816","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-legal","tag-bitcoin","tag-defi","tag-eba","tag-eu","tag-european-banking-authority","tag-european-commission","tag-legal","tag-mica"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - 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