FATF-TRAVEL-RULE

FATF Travel Rule crypto VASPs Recommendation 16.

Définition

FATF Travel Rule details : Originator information requise (name, account number / wallet address, geographic address ou national identity number), Beneficiary information requise (name, account number / wallet address), transmission to receiving VASP avant ou simultaneous au transfer. Threshold typiquement USD/EUR 1000 (UE) ou USD 3000 (US FinCEN). VASPs concernes : crypto exchanges (Coinbase, Binance, Kraken), wallet providers, brokers, OTC desks. Defi unhosted wallets : self-custody addresses pose challenge (no VASP intermediate), regulators discussent inclusion ou exclusion (CASP MiCA EU exclues unhosted wallets transactions). Solutions techniques : Travel Rule protocols comme Sygna Hub, Notabene, TRP Travel Rule Protocol, Open VASP, Shyft. Integration ISO 24165 DTI obligatoire EU TFR 2024 (Digital Token Identifier).

Origine

FATF Recommendation 16 historique 1990s wire transfers ; FATF Standards Update 2019 extension Virtual Asset Service Providers VASPs ; FATF Guidance 2021 implementation ; EU TFR Regulation 2023/1113 entree 30 decembre 2024 ; ~60 juridictions Travel Rule crypto 2024.

Exemple en contexte

Coinbase EU user transfer 5 ETH (~$15000) vers Binance EU user 31 decembre 2024 : Coinbase transmits Travel Rule data (originator name, KYC address) via Notabene Travel Rule protocol vers Binance ; Binance recipient confirms beneficiary identity ; transaction proceeds.

Termes liés

• FATF VASP — definition entity reglementee.