{"id":16993,"date":"2019-07-17T08:32:56","date_gmt":"2019-07-17T08:32:56","guid":{"rendered":"http:\/\/triniti.eu\/insights\/nouded-kruptorahaettevotjatele-on-karmistumas\/"},"modified":"2026-09-16T12:31:25","modified_gmt":"2026-09-16T09:31:25","slug":"nouded-kruptorahaettevotjatele-on-karmistumas","status":"publish","type":"insights","link":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/","title":{"rendered":"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas"},"content":{"rendered":"<p>Riigikogus on l\u00e4binud esimese lugemise rahapesu ja terrorismi t\u00f5kestamise seaduse (RahaPTS) ja riigil\u00f5ivuseaduse muutmise seaduse eeln\u00f5u (<a href=\"https:\/\/www.riigikogu.ee\/tegevus\/eelnoud\/eelnou\/24832445-95e0-4ffc-adbe-ec44d87d5eb1\/Rahapesu%20ja%20terrorismi%20rahastamise%20t%C3%B5kestamise%20seaduse%20ning%20riigil%C3%B5ivuseaduse%20muutmise%20seadus\">8 SE I<\/a>), millele peaksid t\u00e4helepanu p\u00f6\u00f6rama virtuaalv\u00e4\u00e4ringu raha vastu vahetamise v\u00f5i virtuaalv\u00e4\u00e4ringu rahakotiteenuse osutamiseks tegevusloa saanud nn kr\u00fcptorahaettev\u00f5tjad v\u00f5i selleks tegevusluba taotleda soovivad ettev\u00f5tjad.<!--more--><\/p>\n<h5><a href=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2019\/07\/bitcoin-2643159_1280.jpg\"><img decoding=\"async\" class=\"alignnone size-large wp-image-10180\" src=\"https:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2019\/07\/bitcoin-2643159_1280-1024x681.jpg\" alt=\"\" height=\"681\" \/><\/a><strong>V\u00f5rdsustatakse finantseerimisasutustega<\/strong><\/h5>\n<p>Kui hetkel kehtiva RahaPTS \u00a7 6 kohaselt on \u00fclalmainitud virtuaalv\u00e4\u00e4ringutega seotud teenuste pakkujad j\u00e4etud finantseerimisasutuste m\u00f5iste alt v\u00e4lja, siis eeln\u00f5u kohaselt loetakse nad edaspidi finantseerimisasutusteks. Seletuskirja kohaselt on see p\u00f5hjendatav asjaoluga, et kohtupraktikas on alternatiivsete makseteenuste pakkujad (s.o. need, kes v\u00f5imaldavad virtuaalv\u00e4\u00e4ringutes tasumist) loetud v\u00f5rdv\u00e4\u00e4rseks klassikaliste finantseerimisasutusega. Ka rahapesu ja terrorismi rahastamise riskiaste on seoses mitteresidentidest kr\u00fcptorahaettev\u00f5tjate suure huviga Eesti tegevusloa vastu h\u00fcppeliselt t\u00f5usnud.<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a> RahaPTS m\u00f5istes t\u00e4hendab see konkreetsemalt n\u00e4iteks seda, et finantseerimisasutustena on nn kr\u00fcptorahaettev\u00f5tjad kohustatud oma sisemistes protseduurireeglites arvestama Eesti ja Euroopa Liidu j\u00e4relevalveasutuste juhistega, m\u00e4\u00e4rama RahaPTS n\u00f5uetele vastava kontaktisiku, l\u00f5petama suhted varipankadega ning tuvastama klientide isiku vastavalt RahaPTS n\u00f5uetele.<\/p>\n<h5><strong>Uued n\u00f5uded<\/strong><\/h5>\n<p>Eeln\u00f5u kohaselt on kavas kehtestada kr\u00fcptorahaettev\u00f5tjatele ka t\u00e4iendavad n\u00f5uded:<\/p>\n<ul class=\"type4\">\n<li>Tegevuskohan\u00f5ue \u2013 kr\u00fcptorahaettev\u00f5tjate registreeritud asukoht, juhatuse asukoht ja tegevuskoht peavad edaspidi olema Eestis (v\u00e4lisriigi \u00e4ri\u00fchingutel on kohustus registreerida selleks Eestis filiaal);<\/li>\n<li>Usaldusv\u00e4\u00e4rsuse ja laitmatu reputatsiooni n\u00f5ue \u2013 sarnaselt finantseerimisasutustele muutub tegevusloa andmise tingimuseks ka see, et ettev\u00f5tjal on nii oskused ja teadmised kui ka laitmatu reputatsioon. Viimaseid t\u00f5endatakse tegevusloa taotlemisel mh isiku haridus- ja kutseoskuste taset t\u00f5endavate dokumentidega ning isiku k\u00f5ikide kodakondsusriikide ametlike t\u00f5enditega kriminaalkaristuste puudumise kohta riigiv\u00f5imuvastaste, rahapesualaste v\u00f5i muude tahtlikult toimepandud kuritegude eest.<\/li>\n<\/ul>\n<h5><strong>Senised tegevusloa omajad <\/strong><\/h5>\n<p>Eeln\u00f5u kohaselt tuleb senistel kr\u00fcptorahaettev\u00f5tjatest tegevusloa omanikel 2019. a. t\u00f5endada oma reputatsiooni laitmatust ja kutsealast sobivust ning tuua oma juhatuse asukoht ning tegevuskoht Eestisse, vastasel juhul tunnistatakse nende tegevusluba kehtetuks.<\/p>\n<p><em><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> vt Kr\u00fcptoreeglid ei j\u00f5ua e-riigi mainele j\u00e4rele. \u00c4rip\u00e4ev 10.07.2019<\/em><\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/M6NGsvkKFKE\" width=\"100%\" height=\"343\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n","protected":false},"featured_media":2868,"template":"","meta":{"_acf_changed":false,"footnotes":""},"person_countries":[296],"people_industries":[],"experience_practice_area":[318],"insight_category":[430],"class_list":["post-16993","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-pangandus-finantsoigus","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo\" \/>\n<meta property=\"og:description\" content=\"Riigikogus on l\u00e4binud esimese lugemise rahapesu ja terrorismi t\u00f5kestamise seaduse (RahaPTS) ja riigil\u00f5ivuseaduse muutmise seaduse eeln\u00f5u (8 SE I), millele peaksid t\u00e4helepanu p\u00f6\u00f6rama virtuaalv\u00e4\u00e4ringu raha vastu vahetamise v\u00f5i virtuaalv\u00e4\u00e4ringu rahakotiteenuse osutamiseks tegevusloa saanud nn kr\u00fcptorahaettev\u00f5tjad v\u00f5i selleks tegevusluba taotleda soovivad ettev\u00f5tjad.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/\" \/>\n<meta property=\"og:site_name\" content=\"TRINITI - \u00dclebaltiline advokaadib\u00fcroo\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-16T09:31:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/11\/Sten.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2476\" \/>\n\t<meta property=\"og:image:height\" content=\"2476\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Eeldatav lugemisaeg\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/\",\"url\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/\",\"name\":\"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/triniti.eu\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Sten.jpg\",\"datePublished\":\"2019-07-17T08:32:56+00:00\",\"dateModified\":\"2026-09-16T09:31:25+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/#breadcrumb\"},\"inLanguage\":\"et\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"et\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/#primaryimage\",\"url\":\"https:\\\/\\\/triniti.eu\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Sten.jpg\",\"contentUrl\":\"https:\\\/\\\/triniti.eu\\\/wp-content\\\/uploads\\\/2021\\\/11\\\/Sten.jpg\",\"width\":2476,\"height\":2476},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/uudised\\\/nouded-kruptorahaettevotjatele-on-karmistumas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/triniti.eu\\\/et\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#website\",\"url\":\"https:\\\/\\\/triniti.eu\\\/et\\\/\",\"name\":\"TRINITI\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/triniti.eu\\\/et\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"et\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#organization\",\"name\":\"TRINITI\",\"url\":\"https:\\\/\\\/triniti.eu\\\/et\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"et\",\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/triniti.eu\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/triniti-logo-en.svg\",\"contentUrl\":\"https:\\\/\\\/triniti.eu\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/triniti-logo-en.svg\",\"width\":400,\"height\":117,\"caption\":\"TRINITI\"},\"image\":{\"@id\":\"https:\\\/\\\/triniti.eu\\\/et\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/","og_locale":"et_EE","og_type":"article","og_title":"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo","og_description":"Riigikogus on l\u00e4binud esimese lugemise rahapesu ja terrorismi t\u00f5kestamise seaduse (RahaPTS) ja riigil\u00f5ivuseaduse muutmise seaduse eeln\u00f5u (8 SE I), millele peaksid t\u00e4helepanu p\u00f6\u00f6rama virtuaalv\u00e4\u00e4ringu raha vastu vahetamise v\u00f5i virtuaalv\u00e4\u00e4ringu rahakotiteenuse osutamiseks tegevusloa saanud nn kr\u00fcptorahaettev\u00f5tjad v\u00f5i selleks tegevusluba taotleda soovivad ettev\u00f5tjad.","og_url":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/","og_site_name":"TRINITI - \u00dclebaltiline advokaadib\u00fcroo","article_modified_time":"2026-09-16T09:31:25+00:00","og_image":[{"width":2476,"height":2476,"url":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/11\/Sten.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Eeldatav lugemisaeg":"2 minutit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/","url":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/","name":"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas - TRINITI - \u00dclebaltiline advokaadib\u00fcroo","isPartOf":{"@id":"https:\/\/triniti.eu\/et\/#website"},"primaryImageOfPage":{"@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/#primaryimage"},"image":{"@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/#primaryimage"},"thumbnailUrl":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/11\/Sten.jpg","datePublished":"2019-07-17T08:32:56+00:00","dateModified":"2026-09-16T09:31:25+00:00","breadcrumb":{"@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/#breadcrumb"},"inLanguage":"et","potentialAction":[{"@type":"ReadAction","target":["https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/"]}]},{"@type":"ImageObject","inLanguage":"et","@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/#primaryimage","url":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/11\/Sten.jpg","contentUrl":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/11\/Sten.jpg","width":2476,"height":2476},{"@type":"BreadcrumbList","@id":"https:\/\/triniti.eu\/et\/uudised\/nouded-kruptorahaettevotjatele-on-karmistumas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/triniti.eu\/et\/"},{"@type":"ListItem","position":2,"name":"N\u00f5uded kr\u00fcptorahaettev\u00f5tjatele on karmistumas"}]},{"@type":"WebSite","@id":"https:\/\/triniti.eu\/et\/#website","url":"https:\/\/triniti.eu\/et\/","name":"TRINITI","description":"","publisher":{"@id":"https:\/\/triniti.eu\/et\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/triniti.eu\/et\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"et"},{"@type":"Organization","@id":"https:\/\/triniti.eu\/et\/#organization","name":"TRINITI","url":"https:\/\/triniti.eu\/et\/","logo":{"@type":"ImageObject","inLanguage":"et","@id":"https:\/\/triniti.eu\/et\/#\/schema\/logo\/image\/","url":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/12\/triniti-logo-en.svg","contentUrl":"https:\/\/triniti.eu\/wp-content\/uploads\/2021\/12\/triniti-logo-en.svg","width":400,"height":117,"caption":"TRINITI"},"image":{"@id":"https:\/\/triniti.eu\/et\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/insights\/16993","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/insights"}],"about":[{"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/types\/insights"}],"version-history":[{"count":0,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/insights\/16993\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/media\/2868"}],"wp:attachment":[{"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/media?parent=16993"}],"wp:term":[{"taxonomy":"person_countries","embeddable":true,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/person_countries?post=16993"},{"taxonomy":"people_industries","embeddable":true,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/people_industries?post=16993"},{"taxonomy":"experience_practice_area","embeddable":true,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/experience_practice_area?post=16993"},{"taxonomy":"insight_category","embeddable":true,"href":"https:\/\/triniti.eu\/et\/wp-json\/wp\/v2\/insight_category?post=16993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}