Looking at the new regulations due to come into effect in January 2026 if you value your privacy you’d want to be removing your coins from exchanges and putting them in cold storage.
tldr: Under DAC 8 (and CARF aligned frameworks) EU jurisdictions will require crypto-asset service providers to disclose user data along with their transaction data to tax authorities.
The EU approach means these obligations will be not just domestic but cross-border (service providers in one jurisdiction may have to report for users resident elsewhere).
The rules specifically state “any user data” and ”any transaction data” to ”competent authorities”. Basically, the difference from then and now is if the “competent authorities” want your information and data they need a court order or warrant but from 2026 on they need absolutely nothing. In fact they don’t even have to request it. The exchange will automatically provide it to them.
The pros:
-It should reduce the amount of scams / money laundering / criminality associated with crypto carried out by criminals in the EU. “Following the money” will be a lot easier for the authorities in an investigation. Although Id imagine tax is their main motive with these new rules.
The cons:
Your privacy is totally wiped. Once your coins are bought / sold / moved, the government will know all about it. Yes there is always P2P but if it’s facilitated through any 3rd party business which most are, it’s no longer anonymous.
I don’t do anything illegal and pay my taxes but i do value my privacy. I don’t like the idea of people knowing exactly what and when I buy and sell.
submitted by /u/Legitimate-Key-3044
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### 从2026年开始，欧盟和英国的加密货币监管新规将如何影响用户隐私
随着2026年欧盟和英国即将实施的加密货币新规，未来的加密市场将变得更加集中和监管，甚至可能比传统银行还要严格。这些新规定预计将彻底改变用户与加密资产的互动方式，尤其是在隐私方面。随着对隐私的重视日益增强，我们需要认真考虑如何管理我们的加密资产。
根据即将在2026年1月生效的规定，所有加密资产服务提供商都必须向税务机关披露用户数据和交易数据。这项规定将会涵盖不仅仅是国内的交易，还包括跨境交易。这意味着，某些国家的服务提供商可能会为了报告某些用户的情况而涉及他国居民。这一变化的核心在于，加密货币的使用者在交易中所涉及的“任何用户数据”和“任何交易数据”都将直接提供给“主管当局”，无需法院命令或搜查令，从2026年起，用户的隐私将遭受前所未有的侵犯。
这项新规虽然旨在减少加密货币相关的诈骗行为、洗钱和其他犯罪活动，使得有关部门在调查时能够“追踪资金”，但其背后的真正动机或许更与税收监管有关。政府对于加密交易透明度的追求，将成为加密资产用户隐私的重大威胁。
对于加密用户来说，最大的问题在于隐私的彻底消失。无论你进行何种交易，其具体情况都将暴露在政府机构的监督之下。虽然有点对点交易（P2P）可以在一定程度上保护隐私，但若通过任何第三方平台进行交易，匿名性便不复存在。
值得注意的是，虽然我并不参与任何非法活动并按时缴税，但我十分珍视自己的隐私。我并不喜欢别人确切地知道我在何时进行买卖。这种对私密性的侵犯引发了对未来加密货币使用的深切忧虑。
综上所述，对于那些重视隐私的人来说，将加密资产从交易所转移到冷存储是一个愈发必要的选择。在这个加密市场正在向中央化和高度监管发展之际，保护个人隐私的策略尤为重要。未来的加密世界可能将不可避免地受到监管环境的严格限制，我们需要为即将到来的变化做好准备。