超過15家加密公司正在為銀行許可證襲擊大門

據報導

The U.S. banking regulators are opening the door for greater participation by crypto firms in the federal financial system. More than 15 crypto firms are applying for banking licenses with the Office of the Comptroller of the Currency (OCC).

美國銀行監管機構正在為加密貨幣公司在聯邦金融體系中的更多參與打開了大門。超過15家加密公司正在申請與貨幣審計長辦公室（OCC）申請銀行許可證。

According to data from Crypto in America, at least 15 crypto and fintech entities, including Circle and Bitgo, have applications pending with the OCC for new national bank charters.

根據美國加密貨幣的數據，包括Circle和BitGo在內的至少15個加密技術（包括Circle和BitGo）在OCC中申請了新的國家銀行憲章。

The OCC, which regulates around 1,000 national banks and federal savings associations, has become more receptive to these applications, especially under the Trump administration.

OCC規範了約1,000個國家銀行和聯邦儲蓄協會，它變得更加接受這些申請，尤其是在特朗普政府的領導下。

Those seeking deeper integration with the traditional banking system can apply for a trust charter. These charters can provide an entry point for firms to reach the Federal Reserve’s master accounts, granting direct access to the central bank’s payment infrastructure - a resource typically reserved for federally regulated depository institutions.

那些尋求與傳統銀行系統更深入整合的人可以申請信託憲章。這些憲章可以為公司到達美聯儲的主要帳戶的切入點，從而直接訪問中央銀行的付款基礎設施 - 這種資源通常保留給聯邦管制的託管機構。

This increase in applications follows an Interpretive Letter issued by the OCC in March, permitting national banks and federal savings associations to engage in certain cryptocurrency activities.

申請的增加遵循OCC在3月發出的解釋信之後，允許國家銀行和聯邦儲蓄協會從事某些加密貨幣活動。

The letter confirms that crypto custody, stablecoin functions, and use of distributed ledger networks are permitted. Acting Comptroller Rodney E. Hood emphasized the importance of consistent risk management.

這封信確認允許加密貨幣，穩定的功能以及分佈式分類帳網絡的使用。代理主計長羅德尼·E·胡德（Rodney E. Hood）強調了一致的風險管理的重要性。

“This administrative action will reduce the regulatory burden on banks to engage in crypto-related activities and ensure that these bank activities are treated consistently by the OCC, regardless of the underlying technology,” said Hood.

Hood說：“行政行動將減輕銀行的監管負擔，以從事加密貨幣相關的活動，並確保這些銀行活動受到OCC的一致對待，無論基本技術如何。”

The Federal Deposit Insurance Corporation (FDIC) is also aligning with this shift. A policy update in Financial Institution Letter FIL-7-2025 permits FDIC-supervised banks to engage in crypto activities without prior approval, provided they have proper risk controls.

聯邦存款保險公司（FDIC）也與這一轉變保持一致。金融機構信件FIL-7-2025的政策更新允許FDIC監督銀行在未經事先批准的情況下從事加密活動，只要它們具有適當的風險控制。

“With today’s action, the FDIC is turning the page on the flawed approach of the past three years,” said Acting Chairman Travis Hill last month. This change applies to more than 5,000 U.S. banks under FDIC oversight.

代理董事長特拉維斯·希爾（Travis Hill）上個月說：“通過今天的行動，FDIC將在過去三年的有缺陷的方法上翻頁。”此更改適用於FDIC監督下的5,000多家美國銀行。

The shift in approach was signaled by Federal Reserve Chair Jerome Powell, who noted a more open regulatory stance toward crypto assets.

美聯儲主席杰羅姆·鮑威爾（Jerome Powell）表示，進近的轉變指出了對加密資產的更公開的監管立場。

“We took a pretty conservative and other banking regulators took an even more conservative perspective on the guidance and rules we imposed on banks on crypto. I think there’ll be some loosening of that,” Powell said.

鮑威爾說：“我們採取了一個非常保守的銀行監管機構對我們對加密貨幣銀行施加的指導和規則的看法更加保守。我認為這會有一些鬆動。”

He recognized the sector’s growing maturity, adding: “The climate is changing and you’re moving into sort of more mainstreaming of that whole sector.”

他認識到該行業的成熟度越來越大，並補充說：“氣候正在發生變化，您正在成為整個部門的更多主流。”