{"id":10462,"date":"2021-02-02T12:49:09","date_gmt":"2021-02-02T12:49:09","guid":{"rendered":"https:\/\/www.talium-assets.com\/?p=10462"},"modified":"2021-02-02T12:49:10","modified_gmt":"2021-02-02T12:49:10","slug":"travel-rule-gafi-vasp","status":"publish","type":"post","link":"https:\/\/www.talium-assets.com\/fr\/travel-rule-gafi-vasp\/","title":{"rendered":"Travel Rule : le GAFI voyage au coeur des VASP"},"content":{"rendered":"\n<p><em>Cr\u00e9\u00e9 en 1989, le <\/em><a href=\"http:\/\/www.fatf-gafi.org\" target=\"_blank\" rel=\"noreferrer noopener\"><em>GAFI<\/em><\/a><em> permet d\u2019\u00e9tablir des recommandations internationales afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme. En 2019, la \u201ctravel rule\u201d introduit les VASP dans les recommandations.<\/em><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/B-8D7YiV_xLJtAMD4-xsKRUrfqIIcSd_ALd2Q5D7sGFwJcSZ_rSTJwzql-Dwrvxqbd4ad9nDSNTWRvb9RIUYZ6GnPFNFt3Jqs6CqDYvwY1lMCkM_9iRnMh9MOYwQQfN8E9fgk8Fz\" alt=\"\"\/><\/figure><\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Du GAFI \u00e0 la \u2018Travel Rule\u2019<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Cr\u00e9ation et ambitions du GAFI<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.fatf-gafi.org\/media\/fatf\/documents\/brochuresannualreports\/Introduction%20to%20the%20FATF.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Le GAFI<\/a> (Groupe d\u2019Action Financi\u00e8re) ou FATF en anglais (Financial Action Task Force) est un regroupement international dont le but est de<strong> lutter contre le Blanchiment de Capitaux et le Financement du Terrorisme<\/strong> (LBC-FT). Ce sont, au moment d\u2019\u00e9crire ces lignes, 37 pays membres, 2 organisations r\u00e9gionales et 9 organismes de type GAFI qui rassemblent <strong>plus de 190 juridictions<\/strong> au niveau mondial et poursuivent tous le m\u00eame dessein.<\/p>\n\n\n\n<p>Ensemble, ils d\u00e9terminent des standards, \u00e9valuent et contr\u00f4lent le respect des normes \u00e9tablies, r\u00e9alisent des \u00e9tudes sur les <strong>nouvelles tendances<\/strong> de LBC-FT et les <strong>nouvelles menaces<\/strong>.<\/p>\n\n\n\n<p>Cette lutte repose sur trois principaux crit\u00e8res :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>emp\u00eacher les criminels d&rsquo;op\u00e9rer de mani\u00e8re anonyme ou sous de fausses identit\u00e9s<\/strong> en \u00e9tablissant avec pr\u00e9cision l\u2019identit\u00e9 des clients et en faisant le lien entre les activit\u00e9s commerciales l\u00e9gitimes et les activit\u00e9s criminelles ;<\/li><li><strong>conserver l\u2019identification du client\/usager ainsi que les archives de ses transactions<\/strong> de mani\u00e8re \u00e0 pouvoir les d\u00e9livrer \u00e0 toute autorit\u00e9 comp\u00e9tente ;<\/li><li><strong>reporter les activit\u00e9s suspectes<\/strong> pour analyse et possible diffusion aux organismes pour application de la l\u00e9gislation.<\/li><\/ul>\n\n\n\n<p>Bien que ce ne soient que des recommandations, les membres se doivent d\u2019avoir des lois qui permettent de lutter efficacement contre le LBC-FT. Ces recommandations servent \u00e0 <strong>\u00e9tablir des normes adapt\u00e9es \u00e0 chaque pays<\/strong> pour un combat collectif. Un pays qui ne respecte pas les recommandations se verrait exclu du groupe.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/lG8HaPFNBH13_iGjQcTztKNmdxoDVMna-pkut68dGk6---zot_x0LMatt40JD9ElKECcFEWtYL6dE3CjT-ouUNAKNhnvfS90Uw90xQV4g_fq9YYXqqXeJ8O8HI2mUFzbC6pOlo_7\" alt=\"\"\/><figcaption><em>Figure 1 : En vert, pays membres du GAFI, f\u00e9vrier 2020, carte du site du GAFI<\/em><\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La \u2018Travel Rule\u2019 de 1996 \u00e0 nos jours<\/h3>\n\n\n\n<p>La premi\u00e8re notion de \u201ctravel rule\u201d a \u00e9t\u00e9 connue en <a href=\"https:\/\/www.sec.gov\/about\/offices\/ocie\/aml2007\/fincen-advissu7.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">mai 1996<\/a> par la <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Financial_Crimes_Enforcement_Network\" target=\"_blank\" rel=\"noreferrer noopener\">FinCEN <\/a>(<strong>Financial Crimes Enforcement Network<\/strong>), un bureau du d\u00e9partement du Tr\u00e9sor des \u00c9tats-Unis. Cr\u00e9\u00e9 en 1990, son but est le m\u00eame que celui du GAFI. Elle concernait les transactions \u00e9gales ou sup\u00e9rieures \u00e0 $3000 (ou \u00e9quivalent dans les autres pays). Au d\u00e9but, elle ne concernait pas les transferts \u00e9lectroniques mais cela a rapidement \u00e9volu\u00e9.<\/p>\n\n\n\n<p>En 2019, la \u201ctravel rule\u201d se fait conna\u00eetre de la crypto-sph\u00e8re apr\u00e8s <strong>le sommet du <a href=\"https:\/\/v20.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">V20<\/a><\/strong> (regroupant des VASP que nous d\u00e9finissons ci-apr\u00e8s) qui se d\u00e9roulait en m\u00eame temps et au m\u00eame endroit que le G20, au Japon. Le but du V20 est d\u2019<strong>appliquer les r\u00e8gles du GAFI au monde des actifs virtuels<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">De la \u2018Travel Rule\u2019 aux VASP<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Qui sont les VASP&nbsp;?<\/h3>\n\n\n\n<p>Les VASP (Virtual Asset Service Provider) sont d\u00e9finis dans <a href=\"https:\/\/www.fatf-gafi.org\/media\/fatf\/documents\/recommendations\/RBA-VA-VASPs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">le guide<\/a> fourni par le GAFI et comprennent les <strong>fournisseurs de services sur actifs virtuels<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Il s\u2019agit de toute personne physique ou morale qui n&rsquo;est pas d\u00e9j\u00e0 couverte ailleurs par les <a href=\"https:\/\/www.fatf-gafi.org\/media\/fatf\/documents\/recommendations\/Recommandations_GAFI.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">recommandations du GAFI<\/a> et qui, en tant qu&rsquo;entreprise, exerce une ou plusieurs des activit\u00e9s ou op\u00e9rations suivantes pour une autre personne physique ou morale ou en son nom :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u00e9change entre des actifs virtuels et des monnaies fiduciaires<\/strong> (aussi appel\u00e9es monnaies fiat) ;<\/li><li><strong>\u00e9change entre une ou plusieurs formes d&rsquo;actifs virtuels<\/strong> ;<\/li><li><strong>transfert d&rsquo;actifs virtuels<\/strong> ;<\/li><li><strong>garde et\/ou administration d&rsquo;actifs virtuels<\/strong> ou d&rsquo;instruments permettant de les contr\u00f4ler ;<\/li><li><strong>la participation \u00e0 des services financiers li\u00e9s \u00e0 l&rsquo;offre et\/ou \u00e0 la vente d&rsquo;un actif virtuel<\/strong> par un \u00e9metteur et la fourniture de ces services.<\/li><\/ul>\n\n\n\n<p>\u00c9tant donn\u00e9 les subtilit\u00e9s linguistiques et diff\u00e9rences entre la notion fran\u00e7aise d\u2019<strong>instrument financier<\/strong> et celle am\u00e9ricaine et plus large de \u2018<strong>securities<\/strong>\u2019, on citera directement le document original du GAFI :&nbsp;<\/p>\n\n\n\n<p><em>\u201cVirtual asset\u201d as a digital representation of value that can be digitally traded or transferred and can be used for payment or investment purposes. Virtual assets do not include digital representations of fiat currencies, securities, and other financial assets that are already covered elsewhere in the FATF Recommendations\u201d.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/nvwtD_DWvspqMg1qGWoEXg1dU2BxF9prGLnLSEB06wnBQAGdRGdaFUiS7zVzKR-4iaeWXCBqIOO61gN20GOd266U4bDniT4Dfra-9akaENyfVr5oXdxI2FH53KUp3nJ7AWmeWJIj\" alt=\"\"\/><figcaption><em>Figure 3 : Fonctionnement du partage des KYC et des transactions entre les VASP<\/em><\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les recommandations appliqu\u00e9es aux VASP<\/h3>\n\n\n\n<p>Le GAFI a \u00e9mis une <a href=\"http:\/\/www.fatf-gafi.org\/publications\/fatfrecommendations\/documents\/regulation-virtual-assets-interpretive-note.html\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9claration publique<\/a> le 22 f\u00e9vrier 2019 permettant de savoir <strong>en quoi les recommandations s\u2019appliquent aux VASP<\/strong>, conform\u00e9ment \u00e0 la <strong>recommandation 15<\/strong> et pour une mise en \u0153uvre d\u00e8s juin 2020.<\/p>\n\n\n\n<p>Nous r\u00e9sumons celles qui nous semblent les plus pertinentes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>les VASP doivent obtenir une licence ou \u00eatre enregistr\u00e9s<\/strong>. Au moins dans la juridiction o\u00f9 ils sont cr\u00e9\u00e9s (ou lieu d\u2019activit\u00e9) ou o\u00f9 ils sont vendus. Les autorit\u00e9s ont la responsabilit\u00e9 d\u2019emp\u00eacher les criminels ou associ\u00e9s de d\u00e9tenir ou avoir le contr\u00f4le sur un VASP et appliquer des sanctions ;<\/li><li><strong>les VASP doivent \u00eatre soumis \u00e0 des syst\u00e8mes efficaces de suivi et de contr\u00f4le du respect des exigences nationales en mati\u00e8re de LBC-FT<\/strong>. L\u2019autorit\u00e9 doit pouvoir mener des inspections ;<\/li><li><strong>les sanctions doivent \u00eatre efficaces, proportionn\u00e9es et dissuasives<\/strong> et \u00eatre applicables aux VASP, leurs dirigeants et cadres sup\u00e9rieurs ;<\/li><li>l\u2019application des mesures 10 \u00e0 21 du GAFI si la transaction est sup\u00e9rieure \u00e0 1000 dollars ou euros. <strong>Les VASP d\u2019origine et b\u00e9n\u00e9ficiaire doivent obtenir et conserver les informations sur les donneurs d\u2019ordre et b\u00e9n\u00e9ficiaires, mais \u00e9galement mettre \u00e0 disposition ces informations aux autorit\u00e9s sur simple demande<\/strong>. Les mesures 10 \u00e0 21 comprennent entre autres :<ul><li><strong>ne pas permettre les comptes anonymes ou pseudonymes<\/strong>. Le prestataire doit avoir un devoir de vigilance ;<\/li><li><strong>le prestataire doit conserver les documents \u00ab\u00a0n\u00e9cessaires relatifs aux op\u00e9rations, nationales et internationales\u00a0\u00bb<\/strong> pendant 5 ans \u00e0 compter de la fin de la relation d\u2019affaire ou date de l\u2019op\u00e9ration ;<\/li><li><strong>tenir compte du statut PPE<\/strong> (Personne Politiquement Expos\u00e9e) de l\u2019utilisateur\/consommateur, ce qui implique des r\u00e8gles pr\u00e9cises ;<\/li><li><strong>la protection par la loi des dirigeants et employ\u00e9s en cas de divulgation d\u2019identit\u00e9 suite \u00e0 une suspicion d\u2019activit\u00e9 ill\u00e9gale<\/strong> (seulement \u00e0 la CRF, la Cellule de Renseignement Financier).<\/li><\/ul><\/li><li>Enfin, <strong>la coop\u00e9ration internationale est importante<\/strong>. Il s\u2019agit de <strong>permettre les \u00e9changes d\u2019information entre les diff\u00e9rentes autorit\u00e9s de surveillance des VASP entre les diff\u00e9rents pays<\/strong>. Cela doit \u00eatre fait rapidement, de mani\u00e8re constructive et ind\u00e9pendamment de la nature ou statut des autorit\u00e9s, ou nomenclature, ou statut des VASP.<\/li><\/ul>\n\n\n\n<p>L\u2019application de ces recommandations aux VASP a permis l\u2019\u00e9mergence du standard <a href=\"https:\/\/intervasp.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">IVMS101 par l\u2019InterVASP<\/a> qui am\u00e9liore grandement le travail des prestataires en proposant un <strong>langage standard permettant l\u2019\u00e9change de ces informations<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/IVTpZ5MkBEHnL7QybiTsiMXG3Dc6AAGePlgXruWrR81tBZHxJLt3eHNr7EYjW6HTFDQ5kasEdsGwqxLAOlBVvo_1KwPJJrQ1qY_5cxIj4s-MzqbtdsCoY6ELeLquhAiqSkmuEQuS\" alt=\"\"\/><figcaption><em>Figure 2 : Page de garde livre blanc du standard IVMS101 par l\u2019InterVASP<\/em><\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Des d\u00e9bats soulev\u00e9s<\/h3>\n\n\n\n<p>L\u2019extension des recommandations aux VASP n\u2019est que la suite logique de l\u2019application de la recommandation 15 qui concerne les nouvelles technologies.<\/p>\n\n\n\n<p>Celle-ci a fait beaucoup de bruit dans le monde des cryptomonnaies qui y voit une <strong>abolition de nos vies priv\u00e9es<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Cependant, il faut bien se rappeler que ces r\u00e8gles s\u2019appliquent aux VASP (tels que d\u00e9finis plus haut) pr\u00e9sents dans les pays membres du GAFI. <strong>Cela ne concerne pas les \u00e9changes entre particuliers<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Aussi, il est demand\u00e9 que ces informations soient transmises sur demande des autorit\u00e9s, <strong>elles ne doivent pas accompagner la transaction et ne seront \u00e9videmment pas pr\u00e9sentes sur la blockchain<\/strong>. C\u2019est au prestataire de d\u00e9tenir ces informations et de les transmettre aux autorit\u00e9s comp\u00e9tentes sur demande.<\/p>\n\n\n\n<p>Un d\u00e9bat int\u00e9ressant a eu lieu au <a href=\"https:\/\/www.coindesk.com\/fatf-travel-rule-crypto-gray-markets\" target=\"_blank\" rel=\"noreferrer noopener\">panel Consensus du 13 mai 2020<\/a> \u00e0 propos de la \u201ctravel rule\u201d. Il est question d\u2019un<strong> march\u00e9 gris<\/strong>, qui regrouperait des actifs transf\u00e9r\u00e9s depuis des r\u00e9gions r\u00e9glement\u00e9es et les autres. De quoi alimenter les discussions autour de la l\u00e9gislation autour du LBC-FT.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9\u00e9 en 1989, le GAFI permet d\u2019\u00e9tablir des recommandations internationales afin de lutter contre le blanchiment d\u2019argent et le financement du terrorisme. En 2019, la \u201ctravel rule\u201d introduit les VASP dans les recommandations. Du GAFI \u00e0 la \u2018Travel Rule\u2019 Cr\u00e9ation et ambitions du GAFI Le GAFI (Groupe d\u2019Action Financi\u00e8re) ou FATF en anglais (Financial Action [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":10463,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[381],"tags":[460,462,457,461,459,458],"class_list":["post-10462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr","tag-aml-cryptocurrency","tag-fatf-recommendation-crypto","tag-travel-rule","tag-v20","tag-vasp","tag-vasps"],"featured_image_src":"https:\/\/www.talium-assets.com\/wp-content\/uploads\/2021\/02\/FATF-GAFI.png","author_info":{"display_name":"Fran\u00e7ois de Chezelles","author_link":"https:\/\/www.talium-assets.com\/fr\/author\/fdc\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Talium Assets - Travel Rule : le GAFI voyage au coeur des VASP<\/title>\n<meta name=\"description\" content=\"La Travel Rule permet de lutter contre le blanchiment d\u2019argent et le financement du terrorisme. 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