The European Union tightens the screw on anonymity in the crypto sector. From 2027, confidential tokens and anonymous accounts will be prohibited, marking a historic turning point for the ecosystem. Objective: to strengthen the fight against money laundering and impose total transparency on market players.
In short
- The European Union will prohibit cryptos, anonymous accounts and privacy tokens from 2027.
- Caps will no longer be able to manage anonymous accounts or crypto confidential portfolios.
- Providers active in several states will be subject to direct supervision by AMLA.
- Any crypto transaction greater than 1,000 euros will have to be the subject of an identity verification.
The war against anonymity crypto intensifies
The European Union has taken a new step in its fight against money laundering: from 2027, anonymous cryptos, including privacy tokens like Monero or Zcash, will be banished from the European market. This measure is part of the new money-breeding regulation (AMLR), recently finalized by European bodies.
Article 79 of the regulation stipulates The formal ban for financial institutions, banks and crypto service providers (CASPS) to keep or manage anonymous accounts. Also targeted: Crypto accounts allowing the anonymization of transactions and portfolios using parts focused on confidentiality.
A radical change for casps in Europe
With AMLR, active casps in at least six Member States will be subject to direct supervision by the new anti-flange authority (AMLA), from July 2027. The Amla plans to select 40 entities on the basis of strict thresholds:
- minimum 20,000 crypto customers in a Member State, or
- Volume of crypto transactions greater than 50 million euros.
Caps must also apply identity verification procedures to all transactions exceeding 1,000 euros. These new rules thus complement the Mica frame, already in force to supervise the activities of crypto providers. They translate Brussels's desire to slow down the illicit use of cryptocurrencies while strengthening the surveillance of the sector.
What consequences for the crypto ecosystem?
This regulatory hardening will force the centralized actors of the crypto to review their internal practices, while decentralized projects could find themselves marginalized on European soil. The debate on the protection of privacy versus financial transparency is relaunched. Which side do you sit on?
With the prohibition of anonymous cryptos, the EU sends a strong signal: the anonymity era is coming to an end, when Europe walks from wolf to a company without cash. If transparency stands out as a standard, this regulation could also slow down decentralized innovation. A new era begins, between reinforced surveillance and questions about fundamental digital freedoms.
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