{"componentChunkName":"component---src-templates-post-js","path":"/mica-i-stablecoiny-banki-centralne-ue-chca-zmian-w-przepisach/","result":{"data":{"mysqlPost":{"id":"mysql__Post__94894","ID":94894,"post_date":"2026-09-28T04:06:11.000Z","post_modified":"2026-09-27T22:51:58.000Z","lead":"Zdaniem ESBC obecne przepisy dotyczące stablecoinów mogą stanowić poważne zagrożenie dla sektora finansowego i wymagają pilnej zmiany.","post_content":"<p>Kością niezgody są obowiązujące zasady zarządzania rezerwami. Obecnie rozporządzenie MiCA wymusza na firmach <a href=\"https://fintek.pl/wydatki-w-stablecoinach-maja-niebawem-przebic-granice-50-mld-dolarow-rocznie\">emitujących stablecoiny</a> (kryptowaluty powiązane z kursami tradycyjnych walut, najczęściej dolara), aby przechowywały od 30% do nawet 60% swoich zabezpieczeń w formie depozytów w tradycyjnych bankach. O sprawie pisze <a href=\"https://www.reuters.com/business/finance/ecb-eu-central-banks-oppose-stablecoin-bank-deposit-rule-2026-09-22/\" target=\"_blank\" rel=\"noopener nofollow\">Reuters</a>.</p><p>Przedstawiciele banków centralnych zwracają uwagę, że takie sztuczne łączenie obu światów jest ryzykowne. Klienci detaliczni trzymający pieniądze na kontach zapewniają bankom stabilność. Zastąpienie ich kapitałem od firm <a href=\"https://fintek.pl/aktualnosci/kryptowaluty/\">kryptowalutowych</a> sprawia, że baza depozytowa staje się niezwykle wrażliwa na rynkowe wahania. W przypadku paniki na giełdach wirtualnych walut, masowe wycofywanie środków mogłoby uderzyć rykoszetem w płynność tradycyjnych pożyczkodawców.</p><p><strong>Czytaj także:</strong> <a href=\"https://fintek.pl/ue-chce-zmieniac-przepisy-o-kryptowalutach-mica-do-przegladu-po-dwoch-latach/\">UE chce zmienić przepisy o kryptowalutach. MiCA do przeglądu po dwóch latach</a></p><h2 style=\"text-align: left;\">Unijne przepisy o stablecoinach do poprawki?</h2><p>Aby odciąć tradycyjną bankowość od wahań na rynku krypto, ESBC proponuje całkowite zniesienie obowiązku trzymania rezerw w formie depozytów. Zamiast tego, unijne prawo powinno wymuszać na emitentach posiadanie określonego procenta wysoce płynnych aktywów, których termin zapadalności wynosi zaledwie od jednego do pięciu dni roboczych. Dzięki temu firmy kryptowalutowe mogłyby szybko spieniężyć swoje rezerwy w razie kryzysu, nie obciążając przy tym w żaden sposób tradycyjnych instytucji finansowych.</p><p><a href=\"https://fintek.pl/tylko-20-proc-firm-krypto-w-europie-posiada-licencje-mica-chaos-wokol-rynku-kryptowalut-w-polsce\">Choć rynek miał czas do połowy bieżącego roku na dostosowanie się do wymogów MiCA lub zakończenie działalności w Unii Europejskiej, rzeczywistość okazała się trudniejsza</a>. Europejscy regulatorzy wprost przyznają, że napotykają „istotne wyzwania” w egzekwowaniu nowych przepisów.</p><p>Platformy kryptowalutowe, które wciąż nie spełniają unijnych standardów, nadal potrafią docierać do klientów ze Starego Kontynentu. Budzi to poważne obawy o bezpieczeństwo inwestorów i skuteczność całego pakietu regulacyjnego, który w założeniu miał ucywilizować dziki rynek wirtualnych walut w Europie.</p><p><a href=\"https://fintek.pl/binance-nie-rezygnuje-z-europy-gielda-kryptowalut-szuka-nowej-drogi-do-licencji-w-ue/\">Problemy z uzyskaniem licencji MiCA dotykają także największych graczy z rynku krypto – przykładowo Binance, czyli największa giełda kryptowalut na świecie, wciąż nie uzyskała takiego zezwolenia</a>. Według źródeł Reutersa Binance prowadziło rozmowy z regulatorami w Grecji, Irlandii i na Łotwie, jednak we wszystkich trzech krajach napotkało opór. Urzędnicy mieli zgłaszać zastrzeżenia dotyczące wcześniejszych kar związanych z przeciwdziałaniem praniu pieniędzy, skomplikowanej międzynarodowej struktury firmy oraz kultury podejmowania ryzyka.</p><p><a href=\"https://fintek.pl/ustawa-o-kryptowalutach-2026-prezydent-sklada-drugi-projekt/\">W Polsce wciąż nie wprowadzono przepisów implementujących rozporządzenie MiCA do prawa krajowego – obecnie mamy dwa projekty ustawy o kryptoaktywach</a>. Ministerstwo Finansów zaleca w tej sytuacji inwestorom samodzielne sprawdzenie, czy korzystają z usług podmiotu posiadającego licencję MiCA. Można to zweryfikować w rejestrze prowadzonym przez Europejski Urząd Nadzoru Giełd i Papierów Wartościowych (ESMA).</p>\n","post_title":"Europejskie banki centralne ostrzegają przed stablecoinami. Chcą zmian w MiCA","post_excerpt":"Europejskie instytucje finansowe apelują o pilną korektę regulacji kryptowalutowych (MiCA). 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