FDIC宣布銀行不再需要批准才能從事與加密相關的活動

聯邦存款保險公司（FDIC）週五宣布，銀行不再需要事先批准與加密相關的活動。

The Federal Deposit Insurance Corporation (FDIC) has announced that banks will no longer require prior approval to engage in cryptocurrency-related activities. This adjustment to the agency’s policy permits banks to work with digital currencies while still keeping some oversight.

聯邦存款保險公司（FDIC）宣布，銀行將不再需要事先批准與加密貨幣相關的活動。對機構政策的調整使銀行可以使用數字貨幣合作，同時仍保持一定的監督。

The change, announced Friday, cancels a 2022 rule that forced banks to get permission before dealing with cryptocurrencies or blockchain technology.

該變更週五宣布，取消了一項2022年的規則，該規則迫使銀行在處理加密貨幣或區塊鏈技術之前獲得許可。

The old restrictions had been criticized by banking groups and crypto supporters. They argued that regulators were attempting to block legitimate blockchain innovation through paperwork barriers. A lawsuit by Coinbase recently showed letters where the FDIC discouraged banks from working with crypto.

舊的限制受到銀行集團和加密支持者的批評。他們認為監管機構試圖通過文書工作壁壘阻止合法的區塊鏈創新。 Coinbase的訴訟最近顯示了FDIC阻止銀行與Crypto合作的信件。

The agency is now returning to a policy that requires banks to notify the FDIC about crypto activities and show they can manage risks related to consumer protection and financial stability.

該機構現在正在恢復一項政策，要求銀行通知FDIC有關加密活動的活動，並表明他們可以管理與消費者保護和財務穩定性有關的風險。

“FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as cryptoassets and digital assets, provided that they adequately manage the associated risks,” the agency said.

該機構說：“ FDIC監督機構可以從事允許的活動，包括涉及新興技術和加密和數字資產等新興技術的活動，只要它們可以充分管理相關的風險。”

“With today’s action, the FDIC is turning the page on the flawed approach of the past three years,” said FDIC Acting Chairman Travis Hill.

FDIC代理主席特拉維斯·希爾（Travis Hill）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。”

Banks may now handle cryptocurrency custody, manage stablecoin reserves, and participate in blockchain payment systems without pre-approval.

銀行現在可以處理加密貨幣監護權，管理Stablecoin儲備，並在沒有預先批准的情況下參與區塊鏈支付系統。

This adjustment to the agency’s policy permits banks to work with digital currencies while still keeping some oversight.

對機構政策的調整使銀行可以使用數字貨幣合作，同時仍保持一定的監督。

“The institutions may engage in permissible activities, including activities involving new and emerging technologies such as cryptoassets and digital assets, provided that they adequately manage the associated risks,” the agency said Friday.

該機構週五表示：“這些機構可以從事允許的活動，包括涉及新興技術和加密和數字資產等新興技術的活動，只要它們可以充分管理相關風險。”

The institutions will still be subject to supervision and must follow safety standards, anti-money laundering laws, and consumer protection rules when working with digital assets.

這些機構仍將受到監督，並且必須遵守安全標準，反洗錢法律以及使用數字資產時的消費者保護規則。

This change follows a similar move by the Office of the Comptroller of the Currency earlier this month. Both changes reflect the Trump administration’s more friendly approach to crypto.

這一變化是在本月初的貨幣審計長辦公室採取的類似舉動。兩種變化都反映了特朗普政府對加密貨幣的更友好的方法。

David Sacks, White House AI and Crypto Advisor, said the OCC’s decision is “a big win for crypto.”

白宮AI和加密助理顧問大衛·薩克斯（David Sacks）說，OCC的決定是“加密貨幣的巨大勝利”。

“It removes reputational risk, a subjective and meaningless factor, from how banks are supervised,” Sacks added.

薩克斯補充說：“從銀行的監督方式中，它消除了聲譽風險，這是一個主觀和毫無意義的因素。”

The FDIC is also working with other regulatory agencies to update outdated guidance.

FDIC還與其他監管機構合作以更新過時的指導。

“This policy change is one of several steps the FDIC will take to provide clarity and support to institutions engaging with blockchain and crypto technologies,” said Acting Chairman Hill.

代理主席希爾說：“這項政策變更是FDIC將採取的幾個步驟之一，為與區塊鍊和加密技術的機構提供明確和支持。”