美國銀行已準備好進軍加密貨幣領域，但需要監管機構的批准

加密貨幣已經被用來向海外匯款和購買日常用品。銀行知道他們需要跟上，否則就有落後的風險。

Banks are still waiting on regulators to give them the green light to enter the crypto market. In the meantime, they're already developing the tools they'll need to make it happen.

銀行仍在等待監管機構為其進入加密貨幣市場開綠燈。同時，他們已經在開發實現這一目標所需的工具。

As cryptocurrency continues to gain mainstream adoption, major financial institutions like Bank of America (NYSE:BAC) are still yet to integrate crypto into their banking services. But according to Bank of America CEO Brian Moynihan, it’s not because banks don’t want a piece of the crypto pie—it’s because they’re waiting for regulators to do their thing.

隨著加密貨幣繼續獲得主流採用，美國銀行（NYSE：BAC）等主要金融機構仍未將加密貨幣整合到其銀行服務中。但美國銀行執行長 Brian Moynihan 表示，這並不是因為銀行不想分一杯羹，而是因為他們正在等待監管機構採取行動。

During an interview with CNBC’s Andrew Ross Sorkin at the World Economic Forum (WEF) in Davos, Switzerland, Moynihan stated that banks are ready to enter the crypto market once the rules are clear.

莫伊尼漢在瑞士達沃斯世界經濟論壇 (WEF) 上接受 CNBC 安德魯·羅斯·索金 (Andrew Ross Sorkin) 採訪時表示，一旦規則明確，銀行就準備進入加密貨幣市場。

“If the rules come in and make it a real thing that you can actually do business with, you’ll find that the banking system will come in hard on the transactional side of it,” he said.

「如果規則出台並使其成為真正可以與之開展業務的東西，你會發現銀行系統將在交易方面發揮作用，」他說。

Banks are no longer just curious about cryptocurrency; they're ready to get in line. But only if the rules are laid bare.

銀行不再只是對加密貨幣感到好奇；而是對加密貨幣感到好奇。他們已經準備好排隊了。但前提是規則是公開的。

Banks are known for their cautious approach to new trends, preferring to take their time and ensure everything checks out. And with something as disruptive as cryptocurrency, there's a lot to tinker on.

銀行以其對新趨勢的謹慎態度而聞名，更願意花時間確保一切順利。對於像加密貨幣這樣具有顛覆性的事物，還有很多需要改進的地方。

But financial giants like Bank of America have been in the blockchain game for years. The leading financial institution has clinched hundreds of patents and found ways to play it safe with Bitcoin ETFs and custody services. But letting customers pay for coffee with BTC? That's another story entirely.

但像美國銀行這樣的金融巨頭已經涉足區塊鏈遊戲多年。這家領先的金融機構已獲得數百項專利，並找到了安全使用比特幣 ETF 和託管服務的方法。但讓顧客用比特幣支付咖啡費用呢？那完全是另一個故事了。

Right now, it all comes down to uncertainty. Or, to say it as it is, the lack of clarity. With regulators still figuring things out and the SEC’s past history of cracking down on crypto firms, banks don't want to take any risks. If there were clearer rules, crypto payments might already be mainstream.

現在，一切都歸結為不確定性。或者說，事實上，缺乏清晰度。由於監管機構仍在解決問題以及美國證券交易委員會過去打擊加密貨幣公司的歷史，銀行不想承擔任何風險。如果有更明確的規則，加密支付可能已經成為主流。

But things might just be turning around for good with Gensler now gone; as of Monday, 20th January, when his resignation was officially announced by the SEC.

但隨著詹斯勒的離開，事情可能會永遠好轉。截至 1 月 20 日星期一，美國證券交易委員會正式宣布他辭職。

Not to mention Donald Trump, sworn in as the 47th U.S. President on Monday. Things are taking a new turn for the crypto industry since these major events.

更不用說週一宣誓就任美國第 47 任總統的唐納德·川普了。自從這些重大事件以來，加密產業的情況正在發生新的轉變。

For example, about 48 hours to his inauguration on Monday, U.S. President Donald J. Trump took to his official X handle to announce the launch of his meme coin, $TRUMP, on the Solana network. This news first came as a shock to many in the crypto community. Some even suspected foul play, while others feared that his X handle might have been hacked. It’s amusing and equally interesting that the First Lady, Melania Trump, 24 hours later, launched her own official meme coin, $MELANIA, just after $TRUMP went live. Disruption Banking has covered in detail how these two adventure zone meme coins will perform this year, 2025.

例如，距離週一就職典禮還有大約 48 小時，美國總統唐納德·J·特朗普 (Donald J. Trump) 通過其官方 X 帳號宣佈在 Solana 網絡上推出他的模因幣 $TRUMP。這個消息首先讓加密社群的許多人感到震驚。有些人甚至懷疑他有謀殺行為，而有些人則擔心他的 X 手柄可能被駭客入侵。有趣的是，同樣有趣的是，第一夫人梅拉尼婭·川普 (Melania Trump) 在 $TRUMP 上線 24 小時後，推出了她自己的官方模因幣 $MELANIA。 Disruption Banking 詳細介紹了這兩款冒險區迷因幣在 2025 年的表現。

Moynihan’s comments should turn a few heads. Crypto is already being used to send money overseas and buy everyday items. Banks know they need to keep up or risk falling behind.

莫伊尼漢的評論應該會引起一些人的注意。加密貨幣已經被用來向海外匯款和購買日常用品。銀行知道他們需要跟上，否則就有落後的風險。

And here’s the thing—banks already have the tools to make it happen. “We have hundreds of patents on blockchain already, we know how to enter the field,” Moynihan said. So, it’s not a question of if banks can do it. It’s about when they’ll be allowed to.

事情是這樣的——銀行已經擁有實現這一目標的工具。 「我們已經擁有數百項區塊鏈專利，我們知道如何進入該領域，」莫伊尼漢說。所以，這不是銀行能不能做到的問題。這是關於他們何時被允許這樣做的問題。

For a bit, think about being able to pay for groceries with Bitcoin the same way you use Apple Pay or a debit card, Visa or MasterCard. That future isn’t as far off as it seems. It’s just waiting for the right regulatory green light.

想像一下能夠使用比特幣支付雜貨費用，就像使用 Apple Pay 或金融卡、Visa 或 MasterCard 一樣。這個未來並不像看起來那麼遙遠。它只是在等待適當的監管綠燈。

It turns out that European banks may be jumping headfirst into crypto anyway. Disruption Banking reported that Italy’s largest bank — Intesa Sanpaolo — acquired 11 BTC as a test should customers request that kind of asset type, the bank’s CEO Carlo Messina said.

事實證明，無論如何，歐洲銀行可能會一頭栽進加密貨幣領域。 Disruption Banking 報告稱，義大利最大的銀行 Intesa Sanpaolo 收購了 11 BTC，以測試客戶是否需要此類資產類型，該銀行執行長 Carlo Messina 表示。

In 2017 the head of Italy’s biggest retail bank Intesa Sanpaolo called digital assets a ‘speculative bubble’. Today the bank is testing the same digital assets. The first time an established European bank has undertaken anything like this #bitcoin #banking https://t.co/H8QplMpNlQ pic.twitter.com/WR40RAUZcw

2017年，義大利最大零售銀行聯合聖保羅銀行(Intesa Sanpaolo)的負責人稱數位資產為「投機泡沫」。今天，該銀行正在測試相同的數位資產。這是一家老牌歐洲銀行第一次採取這樣的行動#bitcoin #banking https://t.co/H8QplMpNlQ pic.twitter.com/WR40RAUZcw

But with pro-crypto Trump in the Oval Office now, the cryptocurrency industry is fairly sure that “Fair weather winds are beginning to blow…,” says Fred Thiel, Charmain, and CEO at MARA Holdings (NASDAQ:MARA). Besides, many people are speculating that with the Trump administration already dishing out executive orders from day 1, the Strategic Bitcoin Reserve (SBR) should make his list. And with a total of 12 U.S. States that have introduced bills to hold Bitcoin as part

但現在隨著支持加密貨幣的川普入主橢圓形辦公室，加密貨幣行業相當肯定「好天氣即將開始…」MARA Holdings（納斯達克股票代碼：MARA）執行長 Fred Thiel 表示。此外，許多人猜測，由於川普政府從第一天起就已經發布了行政命令，戰略比特幣儲備（SBR）應該列入他的名單。美國共有 12 個州推出了持有比特幣的法案