FDIC提升加密批准規則

美國聯邦存款保險公司（FDIC）已撤銷其較早的命令，該命令要求銀行在與加密貨幣接觸之前獲得批准

The U.S. Federal Deposit Insurance Corporation (FDIC) has canceled its earlier order that required banks to obtain the agency's approval. The new policy, announced on March 28, marks a significant shift from previous stances and may spur more banks to integrate cryptocurrency services without delay or denial.

美國聯邦存款保險公司（FDIC）取消了其較早的命令，要求銀行獲得該機構的批准。這項新政策於3月28日宣布，標誌著從以前的立場發生了重大轉變，並可能刺激更多的銀行集成加密貨幣服務，而不會延遲或否認。

Announcing the cancellation of FIL-16-2022, (2022 Regulation) that mandated that banks first seek permission from the FDIC to engage in cryptocurrency-related activity, the ruling allows banks supervised by the FDIC to offer cryptocurrency services without seeking the FDIC approval provided that there is effective risk management.

該裁決宣布取消FIL-16-2022（2022年法規），該法規要求銀行首先尋求FDIC的許可以從事與加密貨幣相關的活動，因此該裁決允許FDIC監督的銀行提供加密貨幣服務，而無需尋求FDIC，而無需尋求有效的風險管理。

The regulation reads, "This FIL affirms that FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as crypto-assets and digital assets, provided that they adequately manage the associated risks. The FDIC expects that FDIC-supervised institutions will conduct all activities in a safe and sound manner and in accordance with all applicable laws and regulations."

該法規寫道：“該文件申明，FDIC監督的機構可能會從事允許的活動，包括涉及新技術和新興技術的活動，例如加密資產和數字資產，只要它們可以充分地管理相關風險。FDIC期望FDIC預計FDIC的機構將在所有活動中進行所有活動，並適用於所有的活動，並適用於安全和一致的行為，並在安全和聲音方面進行。

The FDIC’s acting chairman, Travel Hill is quoted saying that, "With today's action, the FDIC is turning the page on the flawed approach of the past three years. I expect this to be one of several steps the FDIC will take to lay out a new approach for how banks can engage in crypto- and blockchain-related activities in accordance with safety and soundness standards."

FDIC的代理主席Travel Hill引用了話說：“通過今天的行動，FDIC正在將頁面翻上過去三年的有缺陷的方法。我希望這是FDIC將採取新方法來製定銀行可以從事加密貨幣和塊與塊關係的新方法的幾個步驟之一。”

This new guidance came shortly after President Donal Trump came out with a much awaited federal order that instructed strengthening America’s foothold in digital assets and making friendly friendly policies to establish digital asset stockpiles. The purpose of the policy according to the executive order is “to support the responsible growth and use of digital assets, blockchain technology, and related technologies across all sectors of the economy.”

這項新的指導是在總統唐納爾·特朗普（Donal Trump）提出了一項期待已久的聯邦命令之後不久，指示加強美國在數字資產方面的立足點，並製定友好的政策來建立數字資產庫存。根據行政命令的政策目的是“支持經濟各個領域的數字資產，區塊鏈技術及相關技術的負責任增長和使用”。

Greater Regulatory Clarity Encourages Banking Participation

更大的監管清晰度鼓勵銀行參與

With fewer regulations in the way, banks can now be more inclined to provide crypto services such as stablecoin payments, blockchain transactions, and safe crypto storage. Previously, most large banks avoided crypto because the regulations were not clear. But with the new move by the FDIC, they now feel confident to venture into digital assets. Many experts believe that more transparent regulations will prompt more banks to provide crypto services. This would introduce a much greater amount of money into the digital asset economy.

隨著法規的較少，銀行現在可以更傾向於提供加密服務，例如穩定付款，區塊鏈交易和安全的加密貨幣存儲。以前，大多數大型銀行避免了加密，因為法規尚不清楚。但是，隨著FDIC的新舉動，他們現在有信心冒險進入數字資產。許多專家認為，更透明的法規將促使更多的銀行提供加密服務。這將向數字資產經濟帶來更多的資金。

In a statement praising the move, the President and CEO of American Bankers Association, Rob Nixon said: "We welcome FDIC’s new guidance allowing supervised institutions to engage in permissible crypto-related activities without receiving prior FDIC approval. This important step removes an obstacle that led banks to engage more cautiously in the digital asset market, which has prevented customers from obtaining innovative products and services through their trusted bank relationships. America’s banks are actively evaluating ways to compete safely and responsibly across the financial services ecosystem, and this type of regulatory clarity is critical to enhancing innovation in the space. We look forward to our continued collaboration with the FDIC and the other banking agencies as they work to issue further guidance in this rapidly developing marketplace."

美國銀行家協會的主席兼首席執行官羅布·尼克松（Rob Nixon）在讚美這一舉動的聲明中說：“我們歡迎FDIC的新指導，允許受監督的機構從事允許的隱秘活動，而無需獲得事先的FDIC批准。這一重要步驟不接受事先的障礙來消除使銀行在數字化市場中更加謹慎地從事企業的企業，從而阻止了他們的數字化市場，從而使他們的業務不斷發展，從而使他們的業務不斷發展，從而使他們的業務不斷發展。積極評估在整個金融服務生態系統中安全和負責任的方法，這種類型的監管清晰度對於增強該領域的創新至關重要。

This move by the FDIC indicates that the government is warming up to new concepts in digital finance. Now that there are fewer barriers in front of them, banks can now venture into crypto services, and these may open up more choices and advantages to the common consumer. Banks, however, must still exercise caution and mitigate risks while venturing into new ground. In short, although this is a thrilling move forward, we all must keep a close eye as digital banking continues to grow.

FDIC的這一舉動表明，政府正在升溫數字融資中的新概念。既然他們面前的障礙更少了，銀行現在可以冒險進入加密服務，這些服務可能會為普通消費者提供更多的選擇和優勢。但是，銀行仍然必須謹慎行事並減輕風險，同時冒險進入新的地面。簡而言之，儘管這是一個激動人心的舉動，但隨著數字銀行業務的不斷增長，我們所有人都必須密切關注。