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＜Upper-Intermediate＞ Lesson No.20
Regulatory Compliance and Customer Communication for Cryptocurrency-Related Services / 仮想通貨関連サービスの規制対応と顧客説明
０．Greetings & Ice-break (2min.)｜挨拶と導入
0-1 Greetings
Let’s practice a short small talk that you can use to greet a business partner and start building a good relationship.
講師との挨拶を兼ねて、ビジネスパートナーと信頼関係を築くための短いスモールトークを練習してみましょう。
[Tips / 会話のヒント]
・Can you hear me clearly?
私の声はクリアに聞こえますか？
・How's your day going so far?
今日はどんな一日でしたか？
・Talk about one small topic (Work, Weather, News, Hometown, Sports event, etc.)
軽い話題について話しましょう（仕事、天気、ニュース、地元、スポーツイベントなど）
0-2 Introduction
In today’s lesson, we’ll learn about the following situation. Have you ever experienced something similar?
本日のレッスンでは以下のようなシチュエーションについて学びます。同様のシチュエーションを経験したことがありますか？
- If you have experience, please tell us what it was like, what was difficult, or what you learned.
経験があれば、どんな内容だったか、難しかったことや学んだことなどを教えて下さい。
- If you don’t have experience, try to imagine yourself handling that situation in English.
What do you think would be challenging?
経験がなければ、英語でその状況に対応しているところを想像してみましょう。どんなことが難しそうですか？
Situation / シチュエーション
Explaining cryptocurrency and digital asset service changes to overseas clients in English due to evolving regulations and compliance requirements.
仮想通貨関連規制環境の変化に伴い、海外顧客にサービス提供条件や制限事項を英語で説明し代替案を提案する場面です。
1. Read (2 min)｜型を学ぶ
Let's read the following key sentences aloud!
下記の文章や単語を順番に音読しましょう！
1-1 Basic phrases
１．The new regulations impose stricter requirements on...（新しい規制は...により厳格な要件を課す）
２．We must enhance our...（...を強化する必要がある）
３．We need to disclose all...（すべての...を開示する必要がある）
４．We will need to modify the...（...を変更する必要がある）
５．We have calculated the additional costs...（追加コストを計算した）
６．We are committed to supporting...（...を支援することに尽力している）
７．I recommend we consult with...（...と相談することをお勧めする）
1-2 Essential words
１．impose（課す）
２．enhance（強化する）
３．disclose（開示する）
４．proceed（続ける）
５．modify（変更する）
６．calculate（計算する）
７．committed（尽力している）
８．submit（提出する）
９．coordinate（調整する）
１０．assess（評価する）
2. Try (3 min)｜ロールプレイ練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
Situation / シチュエーション（Reference again）
Explaining cryptocurrency and digital asset service changes to overseas clients in English due to evolving regulations and compliance requirements.
仮想通貨関連規制環境の変化に伴い、海外顧客にサービス提供条件や制限事項を英語で説明し代替案を提案する場面です。
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Thank you for meeting with me today. I need to understand how the new digital asset regulations will affect our banking services. Can you explain the key changes?
（本日はお時間をいただきありがとうございます。新しいデジタル資産規制が当社の銀行サービスにどう影響するか理解する必要があります。主な変更点を説明していただけますか？）
🧑🎓【Student / Compliance Officer】:
Certainly. The new regulations impose stricter requirements on three areas. First, we must enhance our customer verification procedures. Second, we need to disclose all transaction details to regulators within 24 hours. Third, certain high-risk digital assets will no longer be eligible for our custody services.
（承知しました。新しい規制は3つの分野でより厳格な要件を課しています。第一に、顧客確認手続きを強化する必要があります。第二に、すべての取引詳細を24時間以内に規制当局に開示しなければなりません。第三に、特定の高リスクデジタル資産は当行の保管サービスの対象外となります。）
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That sounds quite restrictive. Will this mean we cannot proceed with our current custody arrangement for Bitcoin and Ethereum?
（かなり制限的に聞こえますね。これは現在のビットコインとイーサリアムの保管契約を続けられないということでしょうか？）
🧑🎓【Student / Compliance Officer】:
No, Bitcoin and Ethereum remain eligible. The restrictions apply only to newly launched tokens without sufficient regulatory assessment. Your existing assets can continue under our custody services. However, we will need to modify the reporting procedures to comply with the 24-hour disclosure requirement.
（いいえ、ビットコインとイーサリアムは引き続き対象です。制限は十分な規制評価のない新規発行トークンにのみ適用されます。既存の資産は当行の保管サービスで継続できます。ただし、24時間開示要件に準拠するため報告手続きを変更する必要があります。）
👨💼【Teacher / Client (Crypto Exchange CEO)】:
I see. But the enhanced verification and faster reporting will likely increase your operational costs. Will you impose additional fees on us?
（なるほど。しかし強化された確認とより迅速な報告により、御行の運営コストが増加するでしょう。追加手数料を課されますか？）
🧑🎓【Student / Compliance Officer】:
We have calculated the additional costs carefully. We will increase the monthly service fee by 8 percent, from 5000 USD to 5400 USD. This is considerably lower than the market average of 15 percent increases we are seeing from other banks. We are committed to supporting your business while maintaining full regulatory compliance.
（追加コストは慎重に計算しました。月額サービス料を8パーセント引き上げ、5000米ドルから5400米ドルにいたします。これは他行で見られる15パーセント増という市場平均よりかなり低い水準です。完全な規制遵守を維持しながら、貴社のビジネスを支援することに尽力しています。）
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That increase seems reasonable compared to alternatives. When will these changes take effect, and what do we need to do on our side?
（他の選択肢と比べるとその増額は妥当に思えます。これらの変更はいつ発効し、当社側で何をする必要がありますか？）
🧑🎓【Student / Compliance Officer】:
The regulations become mandatory on April 1st, which is in 6 weeks. We need you to submit updated customer documentation by March 15th. We will also coordinate with your technical team to integrate our new reporting system with your platform. This will eliminate manual processes and accelerate the disclosure procedures.
（規制は4月1日に義務化されます。6週間後です。3月15日までに更新された顧客書類を提出していただく必要があります。また、新しい報告システムを貴社のプラットフォームと統合するため、貴社の技術チームと調整いたします。これにより手作業を排除し、開示手続きを迅速化できます。）
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Understood. One more concern — if we want to launch a new stablecoin custody service in 3 months, will that be possible under the new framework?
（承知しました。もう一つ懸念があります。3か月後に新しいステーブルコイン保管サービスを開始したい場合、新しい枠組みの下で可能でしょうか？）
🧑🎓【Student / Compliance Officer】:
Yes, stablecoins backed by traditional currency are explicitly permitted. However, we will need to assess each stablecoin individually based on its asset backing and issuer credibility. I recommend we consult with our legal team 8 weeks before your planned launch to ensure smooth approval. This will allow sufficient time for regulatory validation.
（はい、伝統的通貨に裏付けられたステーブルコインは明示的に許可されています。ただし、資産の裏付けと発行者の信頼性に基づき、各ステーブルコインを個別に評価する必要があります。スムーズな承認を確保するため、予定されている開始の8週間前に当行の法務チームと相談することをお勧めします。これにより規制検証に十分な時間が確保できます。）
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Excellent. I appreciate your clear explanation and the reasonable approach your bank is taking. Let's proceed with the documentation update and schedule that consultation for the stablecoin project. Thank you for your support during this transition.
（素晴らしい。明確な説明と御行が取っている合理的なアプローチに感謝します。書類更新を進め、ステーブルコインプロジェクトのための相談を予定しましょう。この移行期間中のご支援に感謝します。）
3. Use (4 min)｜ロールプレイ & 実践（空欄補完）
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
Situation / シチュエーション（Reference again）
Explaining cryptocurrency and digital asset service changes to overseas clients in English due to evolving regulations and compliance requirements.
仮想通貨関連規制環境の変化に伴い、海外顧客にサービス提供条件や制限事項を英語で説明し代替案を提案する場面です。
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Thank you for meeting with me today. I need to understand how the new digital asset regulations will affect our banking services. Can you explain the key changes?
🧑🎓【Student / Compliance Officer】:
Certainly. The new regulations ［課す］ stricter requirements on three areas. First, we must ［強化する］ our customer verification procedures. Second, we need to ［開示する］ all transaction details to regulators within 24 hours. Third, certain high-risk digital assets will no longer be eligible for our custody services.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That sounds quite restrictive. Will this mean we cannot proceed with our current custody arrangement for Bitcoin and Ethereum?
🧑🎓【Student / Compliance Officer】:
No, Bitcoin and Ethereum remain eligible. The restrictions apply only to newly launched tokens without sufficient regulatory assessment. Your existing assets can continue under our custody services. However, we will need to ［変更する］ the reporting procedures to comply with the 24-hour disclosure requirement.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
I see. But the enhanced verification and faster reporting will likely increase your operational costs. Will you impose additional fees on us?
🧑🎓【Student / Compliance Officer】:
We have ［計算する］ the additional costs carefully. We will increase the monthly service fee by 8 percent, from 5000 USD to 5400 USD. This is considerably lower than the market average of 15 percent increases we are seeing from other banks. We are ［尽力している］ to supporting your business while maintaining full regulatory compliance.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That increase seems reasonable compared to alternatives. When will these changes take effect, and what do we need to do on our side?
🧑🎓【Student / Compliance Officer】:
The regulations become mandatory on April 1st, which is in 6 weeks. We need you to ［提出する］ updated customer documentation by March 15th. We will also ［調整する］ with your technical team to integrate our new reporting system with your platform. This will eliminate manual processes and accelerate the disclosure procedures.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Understood. One more concern — if we want to launch a new stablecoin custody service in 3 months, will that be possible under the new framework?
🧑🎓【Student / Compliance Officer】:
Yes, stablecoins backed by traditional currency are explicitly permitted. However, we will need to ［評価する］ each stablecoin individually based on its asset backing and issuer credibility. I recommend we consult with our legal team 8 weeks before your planned launch to ensure smooth approval. This will allow sufficient time for regulatory validation.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Excellent. I appreciate your clear explanation and the reasonable approach your bank is taking. Let's proceed with the documentation update and schedule that consultation for the stablecoin project. Thank you for your support during this transition.
4. Challenge (7 min)｜応用実践
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
*Let's practice this part repeatedly until we can speak it smoothly.
このパートはスムーズにスピーキングできるようになるまで繰り返し練習しましょう。
Situation / シチュエーション（Reference again）
Explaining cryptocurrency and digital asset service changes to overseas clients in English due to evolving regulations and compliance requirements.
仮想通貨関連規制環境の変化に伴い、海外顧客にサービス提供条件や制限事項を英語で説明し代替案を提案する場面です。
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Thank you for meeting with me today. I need to understand how the new digital asset regulations will affect our banking services. Can you explain the key changes?
🧑🎓【Student / Compliance Officer】:
Certainly. ［新しい規制は3つの分野でより厳格な要件を課しています。］ First, ［当行は顧客確認手続きを強化する必要があります。］ Second, ［当行はすべての取引詳細を24時間以内に規制当局に開示しなければなりません。］ Third, certain high-risk digital assets will no longer be eligible for our custody services.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That sounds quite restrictive. Will this mean we cannot proceed with our current custody arrangement for Bitcoin and Ethereum?
🧑🎓【Student / Compliance Officer】:
No, Bitcoin and Ethereum remain eligible. The restrictions apply only to newly launched tokens without sufficient regulatory assessment. Your existing assets can continue under our custody services. However, ［当行は24時間開示要件に準拠するため報告手続きを変更する必要があります。］
👨💼【Teacher / Client (Crypto Exchange CEO)】:
I see. But the enhanced verification and faster reporting will likely increase your operational costs. Will you impose additional fees on us?
🧑🎓【Student / Compliance Officer】:
We have calculated the additional costs carefully. We will increase the monthly service fee by 8 percent, from 5000 USD to 5400 USD. This is considerably lower than the market average of 15 percent increases we are seeing from other banks. We are committed to supporting your business while maintaining full regulatory compliance.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
That increase seems reasonable compared to alternatives. When will these changes take effect, and what do we need to do on our side?
🧑🎓【Student / Compliance Officer】:
The regulations become mandatory on April 1st, which is in 6 weeks. We need you to submit updated customer documentation by March 15th. We will also coordinate with your technical team to integrate our new reporting system with your platform. This will eliminate manual processes and accelerate the disclosure procedures.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Understood. One more concern — if we want to launch a new stablecoin custody service in 3 months, will that be possible under the new framework?
🧑🎓【Student / Compliance Officer】:
Yes, stablecoins backed by traditional currency are explicitly permitted. However, we will need to assess each stablecoin individually based on its asset backing and issuer credibility. I recommend we consult with our legal team 8 weeks before your planned launch to ensure smooth approval. This will allow sufficient time for regulatory validation.
👨💼【Teacher / Client (Crypto Exchange CEO)】:
Excellent. I appreciate your clear explanation and the reasonable approach your bank is taking. Let's proceed with the documentation update and schedule that consultation for the stablecoin project. Thank you for your support during this transition.
\ If you have some extra capacity, give it a try（余力があればやってみましょう）/
5. Real-world application (5 min)｜実務応用
Let's speak freely with the phrases and flow we learned today. If you can, imagine your real job—it makes practice more effective.
本日学習した単語やフレーズ、会話の流れを思い出しながら、自由に話してみましょう。可能であれば、自身の実務を想像しながら話すと効果的です。
Situation / シチュエーション
A client from a cryptocurrency exchange contacts you to understand how new digital asset regulations affect their banking services.
You need to explain the regulatory changes, service restrictions, and fee adjustments while offering solutions to maintain their business relationship.
仮想通貨取引所の顧客が、新しいデジタル資産規制が銀行サービスにどう影響するかを理解するため連絡してきます。
規制変更、サービス制限、手数料調整を説明しながら、ビジネス関係を維持するための解決策を提示する必要があります。
👨💼【Teacher / Client (Crypto Exchange CEO)】:
I'm concerned about the new regulations. Can you explain how they will affect our digital asset custody services and what changes we should expect?
（新しい規制について心配しています。デジタル資産保管サービスにどう影響し、どのような変更を予想すべきか説明していただけますか？）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１． Explain the regulatory requirements
２． Clarify service eligibility
３． Describe the cost adjustment
４． Outline the implementation timeline
※This is not a role-play. Please speak until you finish your thoughts.
このパートはロールプレイ形式ではありません。最後まで通して話してみましょう。
6. Wrap-up (2 min) ｜レッスンの振り返り
Let's review today's lesson with your teacher!
今日のレッスンについて講師と振り返ってみましょう！
6-1 Comments from student
・Good points / 良かったところ・上手くできたところ
・Things to work on / 今後強化したいところ
6-2 Feedback from teacher
・Good points / 良かった点
・Things to work on / 今後の強化ポイント
・What to review / 復習ポイント
*6-3 Questions from student (if any)
Japanese translation（日本語訳）
1. Read (2min)（型を学ぶ）｜基本フレーズ
2. Try (4min)（ロールプレイ練習）｜型を使った練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
3. Use (7min)｜応用
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
4. Challenge (7min)｜実践
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
5. Wrap-up (3min) – レッスンの振り返り
"Let’s review today’s lesson with your teacher!”
「今日のレッスンについて講師と振り返ってみましょう！」
5-1. Comments from Student
- Good points / 良かったところ・上手くできたところ
- Things to work on / 今後強化したいところ
5-2. Feedback from Teacher
- Good points / 良かった点
- Things to work on / 今後の強化ポイント
- What to review / 復習ポイント
5-3. Question from Students (If any)
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