FDIC對我們所有人撒謊：未經審查的文件揭示了有關加密貨幣暫停字母的真相

在參議院聽證會上，代理FDIC主席特拉維斯·希爾（Travis Hill）確認該機構正在修改其對加密貨幣的立場。

The Federal Deposit Insurance Corporation (FDIC) has announced plans to revise its policies, allowing U.S. banks to manage cryptocurrency assets and offer tokenized deposits without prior regulatory approval.

聯邦存款保險公司（FDIC）宣布了計劃修改其政策的計劃，使美國銀行能夠管理加密貨幣資產並提供代幣的存款，而無需事先進行監管。

During a Senate hearing on Thursday, Acting FDIC Chairman Travis Hill confirmed that the agency is revising its stance on cryptocurrency. He explained that the FDIC is re-evaluating its previous policies that had discouraged banks from engaging with crypto assets.

在周四的參議院聽證會上，代理FDIC主席特拉維斯·希爾（Travis Hill）確認該機構正在修改其對加密貨幣的立場。他解釋說，FDIC正在重新評估其以前的政策，該政策阻止銀行參與加密資產。

Hill noted that financial institutions interested in entering the crypto space often faced significant delays, excessive scrutiny, and pushback from regulators. This hindered their efforts to participate in the growing sector.

希爾指出，有興趣進入加密貨幣空間的金融機構通常會面臨重大延誤，過度審查和監管機構的推回。這阻礙了他們參與成長行業的努力。

Once the revisions are finalized, tokenized deposits could merge checking accounts with blockchain technology, marking a key shift in banking infrastructure as it adapts to the rapidly growing digital asset sector, Barron’s reported.

據Barron的報導，一旦修訂確定，令牌的存款可以將支票帳戶與區塊鏈技術合併，這標誌著銀行基礎設施的關鍵轉變，因為它適應了快速增長的數字資產行業。

The announcement comes as the FDIC also made public 175 internal documents outlining its previous interactions with banks about cryptocurrency. The release follows a court order stemming from a lawsuit by Coinbase, which sought greater transparency on the regulatory measures impacting the crypto sector.

該公告是因為FDIC還公開了175個內部文件，概述了其先前與銀行有關加密貨幣的互動。該釋放是由Coinbase訴訟引起的法院命令，該命令要求對影響加密部門的監管措施提高透明度。

These documents specifically pertain to the “pause letters” sent in 2022, advising 24 financial institutions to halt or avoid offering services related to cryptocurrency.

這些文件特別與2022年發送的“暫停信”有關，建議24個金融機構停止或避免提供與加密貨幣有關的服務。

“Our decision to release these documents reflects a commitment to enhance transparency, beyond what is required by the Freedom of Information Act (FOIA), while also attempting to fulfill the spirit of the FOIA request,” Hill said in a statement.

希爾在一份聲明中說：“我們發布這些文件的決定反映了提高透明度的承諾，超出了《信息自由法》（FOIA）的要求，同時也試圖滿足FOIA請求的精神。”

Coinbase had filed a Freedom of Information Act (FOIA) request with the FDIC in March 2023, seeking details about a reported 15% deposit cap on crypto-friendly banks by the regulator. The FDIC released relevant documents in December 2024, though they were heavily redacted. A less censored version was published on January 3, 2025.

Coinbase於2023年3月向FDIC提出了一項信息自由法（FOIA）的請求，搜索了有關監管機構對Crypto友好型銀行的15％存款上限的詳細信息。 FDIC於2024年12月發布了相關文件，儘管已大量編輯。 2025年1月3日發布了一個較少的審查版本。

Coinbase's Chief Legal Officer Paul Grewal noted that the uncensored version included two additional letters that were previously withheld by the FDIC.

Coinbase的首席法律官Paul Grewal指出，未經審查的版本包括FDIC以前扣留的另外兩封信。

In a recent post on X, Grewal alleged that the FDIC is still withholding additional “pause letters” that could shed more light on the regulator's actions.

格雷瓦爾（Grewal）在最近的一篇關於X的文章中指出，FDIC仍在保留其他“停頓信”，這可能會使監管機構的行為更加闡明。

“We were right. The previous @FDICgov leadership lied to us all. There were many, many more pause letters. We are reviewing now–and so can you (link in thread). THANK YOU ACTING CHAIRMAN HILL,” Grewal wrote.

“我們是對的。以前的@fdicgov領導人對我們所有人撒謊。還有很多暫停字母。我們現在正在審查 - 您也可以（線程中的鏈接）。謝謝代理主席希爾，”格雷瓦爾寫道。

According to Hill, the newly released documents reveal that requests from banks to offer crypto-related services were consistently met with resistance from the FDIC. In many cases, the regulator demanded additional information from banks and, in some instances, remained largely unresponsive for extended periods.

根據希爾的說法，新發布的文件顯示，銀行提供與加密相關服務的要求始終受到FDIC的抵抗。在許多情況下，監管機構要求銀行提供其他信息，在某些情況下，長期存在很大程度上沒有反應。

“Both individually and collectively, these and other actions sent the message to banks that it would be extraordinarily difficult — if not impossible — to move forward. As a result, the vast majority of banks simply stopped trying,” Hill stated in the press release.

“無論是單獨和集體，這些和其他行動都向銀行發送了消息，即前進將非常困難（即使不是不可能）。結果，絕大多數銀行只是停止嘗試。”希爾在新聞稿中說。

The FDIC employed a strategy in which it first sent banks a letter urging them to suspend crypto-related services and requesting more details. After receiving responses, the regulator would place the requests on hold, ultimately leading banks to abandon their crypto offerings.

FDIC採用了一種策略，其中首先向銀行發送了一封信，敦促他們暫停與加密相關的服務並索取更多詳細信息。收到答復後，監管機構將擱置請求，最終導致銀行放棄其加密貨幣。

The documents indicate that the FDIC identified several key factors in its decision to halt crypto-related services. These included concerns over the volatility of Bitcoin (BTC), potential reputational risks for the banks involved, and the need to protect consumers from potential harm.

這些文件表明，FDIC決定停止與加密相關的服務的決定確定了幾個關鍵因素。這些包括對比特幣（BTC）波動率的關注點，有關銀行的潛在聲譽風險以及保護消費者免受潛在傷害的需求。