新發布的文件顯示，FDIC 不鼓勵會員銀行使用以太坊等公共區塊鏈

Coinbase 根據《資訊自由法》(FOIA) 獲得的最新發布的文件揭示了 FDIC 對使用公共區塊鏈的銀行的擔憂

Newly obtained documents reveal that the U.S. banking regulator, the Federal Deposit Insurance Corporation (FDIC), has discouraged a member bank from utilizing public blockchains, highlighting tensions between traditional finance and DeFi.

新取得的文件顯示，美國銀行監管機構聯邦存款保險公司（FDIC）不鼓勵一家成員銀行使用公共區塊鏈，凸顯了傳統金融與 DeFi 之間的緊張關係。

Documents obtained by Coinbase show that the FDIC raised concerns with a bank that had been exploring the use of Ethereum, a prominent public blockchain, for certain financial activities. The regulator’s main concern appears to be the lack of control and oversight associated with public blockchains, which are decentralized and operate outside the purview of centralized authorities like banks or government institutions. The FDIC expressed worries over the potential for public blockchains to create risks related to transaction privacy, security, and compliance with financial regulations.

Coinbase 取得的文件顯示，FDIC 對一家銀行表示擔憂，該銀行一直在探索使用以太坊（一種著名的公共區塊鏈）進行某些金融活動。監管機構的主要擔憂似乎是缺乏與公共區塊鏈相關的控制和監督，這些區塊鏈是去中心化的，並且在銀行或政府機構等中央機構的職權範圍之外運作。 FDIC 對公共區塊鏈可能帶來交易隱私、安全和金融監管合規性相關風險的擔憂。

One of the primary issues raised by the FDIC in the documents is the challenge of ensuring the privacy and security of sensitive financial data on public blockchains. Since public blockchains like Ethereum are transparent by design, transactions can be viewed by anyone on the network. While transactions are pseudonymous, this transparency poses a risk for banks, which are typically required to comply with strict privacy and data protection regulations.

FDIC 在文件中提出的主要問題之一是確保公共區塊鏈上敏感金融資料的隱私和安全的挑戰。由於像以太坊這樣的公共區塊鏈在設計上是透明的，因此網路上的任何人都可以查看交易。雖然交易是匿名的，但這種透明度為銀行帶來了風險，銀行通常需要遵守嚴格的隱私和資料保護法規。

Additionally, the FDIC highlighted the potential for regulatory uncertainty surrounding the use of public blockchains in banking activities. With many countries still working to establish clear guidelines on cryptocurrency regulation, the FDIC’s concerns reflect broader anxieties about how public blockchain adoption could complicate existing compliance frameworks and expose banks to legal and operational risks.

此外，FDIC 強調了在銀行活動中使用公共區塊鏈可能存在的監管不確定性。由於許多國家仍在努力製定明確的加密貨幣監管指導方針，FDIC 的擔憂反映了人們對公共區塊鏈的採用如何使現有合規框架複雜化並使銀行面臨法律和營運風險的更廣泛的擔憂。

While the FDIC’s concerns are significant, they also signal the ongoing conversation about the future role of blockchain technology in traditional banking. Although public blockchains like Ethereum present certain risks, their potential for enabling faster, cheaper, and more transparent transactions has led many in the fintech sector to advocate for broader adoption.

雖然 FDIC 的擔憂很嚴重，但它們也表明人們正在就區塊鏈技術在傳統銀行業中的未來作用進行對話。儘管像以太坊這樣的公共區塊鏈存在一定的風險，但它們實現更快、更便宜和更透明交易的潛力促使金融科技領域的許多人主張更廣泛地採用。

Some banks and financial institutions have already begun experimenting with private or permissioned blockchains, which offer greater control and privacy compared to public blockchains. These solutions aim to address some of the concerns raised by regulators while still leveraging the benefits of blockchain technology.

一些銀行和金融機構已經開始嘗試私有或許可的區塊鏈，與公共區塊鏈相比，它們提供了更好的控制和隱私。這些解決方案旨在解決監管機構提出的一些擔憂，同時仍利用區塊鏈技術的優勢。

As the regulatory landscape continues to evolve, it’s likely that the FDIC and other financial authorities will continue to assess the risks and rewards of integrating blockchain into the banking system. The tension between innovation and regulation is expected to shape the conversation around the adoption of blockchain technology in traditional finance for the foreseeable future.

隨著監管環境的不斷發展，FDIC 和其他金融機構可能會繼續評估將區塊鏈整合到銀行系統的風險和回報。在可預見的未來，創新與監管之間的緊張關係預計將影響傳統金融中區塊鏈技術採用的討論。

Coinbase’s efforts in obtaining and releasing these documents have opened a window into the FDIC’s stance on blockchain adoption, adding to the growing debate about the intersection of cryptocurrency and traditional finance.

Coinbase 獲取和發布這些文件的努力為了解 FDIC 對區塊鏈採用的立場打開了一個窗口，加劇了關於加密貨幣與傳統金融交叉的日益激烈的爭論。

By using the FOIA process, Coinbase has once again positioned itself at the center of the conversation about regulatory clarity and the future of cryptocurrency in mainstream finance. As blockchain technology continues to mature, it’s clear that regulators will play a pivotal role in determining the extent to which banks can integrate decentralized systems like Ethereum into their operations. The outcome of this ongoing dialogue will likely have a profound impact on the future of both the banking sector and the broader cryptocurrency market.

透過使用 FOIA 流程，Coinbase 再次將自己置於有關監管清晰度和加密貨幣在主流金融領域的未來的對話中心。隨著區塊鏈技術的不斷成熟，很明顯，監管機構將在確定銀行將以太坊等去中心化系統整合到其營運中的程度方面發揮關鍵作用。此次持續對話的結果可能會對銀行業和更廣泛的加密貨幣市場的未來產生深遠影響。