加密貨幣和金融科技公司越來越多地尋求特朗普政府的銀行憲章

一份報告稱

Cryptocurrency and fintech companies are increasingly seeking bank charters in an attempt to grow their businesses, according to a report from Reuters, which talked to more than half a dozen industry executives.

根據路透社的一份報告，加密貨幣和金融科技公司越來越多地尋求銀行憲章，以發展其業務，該報告與六個以上的行業高管進行了交談。

The moves come as the Trump administration is seen as more industry-friendly and there are opportunities to gain the licenses that regulators under previous administrations may have been slow to approve.

這一舉動是因為特朗普政府被視為對行業更友好，並且有機會獲得前先前政府領導下的監管機構的許可證可能很慢。

While discussions about pursuing bank charters are heating up, it is unknown how many companies will ultimately follow through. It can cost tens of millions of dollars to start up a bank, but there are benefits such as increased credibility with the general public.

儘管關於追求銀行憲章的討論正在加熱，但尚不清楚有多少公司最終將繼續進行。成立銀行可能會花費數千萬美元，但是有很多好處，例如提高公眾的信譽。

According to Reuters, 144 bank charter applications were approved every year between 2000 and 2007, but that number shrank to only five approved per year between 2010 and 2023. 2008 marked the year of the great financial crisis and subsequently increased scrutiny on banks.

根據路透社的說法，每年在2000年至2007年之間批准了144份銀行憲章申請，但該數字在2010年至2023年期間每年僅批准5個批准。2008年是大金融危機的一年，隨後對銀行的審查進行了增加。

The Trump administration has signaled openness to innovation in the finance sector, especially in the cryptocurrency industry. Since his January inauguration, President Trump created a crypto working group, signed an executive order to create a national strategic Bitcoin (BTC) reserve, and hosted the first White House crypto summit.

特朗普政府標誌著金融部門的創新開放，尤其是在加密貨幣行業。自1月就職典禮以來，特朗普總統成立了一個加密貨幣工作組，簽署了一項行政命令，以創建國家戰略比特幣（BTC）儲備金，並主持了第一個白宮加密峰會。

Related: Wyoming defends crypto-friendly bank charter regime in Custodia Bank’s lawsuit with Fed

相關：懷俄明州在Custodia銀行與美聯儲的訴訟中為對加密貨幣友好的銀行包機辯護

The report highlights how this administration has been more receptive to new types of financial institutions.

該報告強調了該政府如何更容易接受新型的金融機構。

“The Trump administration has shown an interest in approving new bank charters, which is something that the Obama administration was not keen on doing,” said an industry executive who requested anonymity to speak candidly.

一位行業主管說：“特朗普政府對批准新的銀行憲章有興趣，這是奧巴馬政府不熱衷於這樣做的事情。”

“They are also more open to the idea of cryptocurrency and fintech companies applying for charters, which could lead to the creation of new financial institutions that are better suited to the needs of the digital age.”

“他們也更開放對加密貨幣和金融科技公司申請憲章的想法，這可能導致創建新的金融機構，這些機構更適合數字時代的需求。”

Crypto companies that have applied for bank charters in US

在美國申請銀行憲章的加密公司

Although it is uncommon for crypto companies to seek bank charters in the United States, there are examples of some who succeeded in the 2020s.

儘管加密貨幣公司在美國尋求銀行憲章並不常見，但有些人在2020年代取得了成功。

Crypto exchange Kraken was approved for a bank charter in Wyoming in 2020, Anchorage Digital Bank received its charter in January 2021, and crypto lender Nexo purchased a stake in a holding company that owns a federally-chartered bank in 2022.

Crypto Exchange Kraken於2020年在懷俄明州獲得銀行憲章，於2021年1月獲得了Anchorage Digital Bank的憲章，加密貨幣貸方Nexo在一家擁有一家由聯邦政府的銀行的控股公司購買了一筆股份。

Companies applying for bank charters in the United States face challenges such as compliance with anti-money laundering laws and the Bank Secrecy Act.

在美國申請銀行憲章的公司面臨諸如遵守反洗錢法律和《銀行保密法》之類的挑戰。

The increased regulatory oversight and centralization may also run contrary to the spirit of crypto, where decentralization is a core value. However, securing a bank charter comes with a major financial benefit: companies that do so can lower the cost of capital by accepting deposits.

增加的監管監督和集中化也可能與加密精神相反，加密精神是核心價值。但是，確保銀行憲章具有重大財務利益：這樣做的公司可以通過接受存款來降低資本成本。