金融技術和加密公司正在申請州或國家銀行憲章

“我們已經看到了更多的興趣。我們現在正在研究多個應用

Financial technology and crypto firms are applying for state or national bank charters in a move that could expand their business and operating footprint, according to industry executives, who report a notable uptick in charter discussions and applications.

據行業高管稱，金融技術和加密企業正在申請州或國家銀行憲章，以擴大其業務和運營足跡，他們報告了憲章討論和申請的顯著提升。

"We have seen a lot more interest. We are working on several applications now," said Alexandra Steinberg Barrage, a partner at law firm Troutman Pepper Locke, told Reuters. However, firms are being "cautiously optimistic" as regulatory agency leadership changes unfold.

律師事務所Troutman Pepper Locke的合夥人Alexandra Steinberg Barrage說：“我們已經看到了更多的興趣。我們現在正在研究多個申請。”但是，隨著監管機構領導的變化，公司正在“謹慎樂觀”。

This year has seen a surprising surge in bank charter applications, contrasting with the previous lull. The shift coincides with the Trump administration's more crypto-friendly stance and the evolving regulatory landscape.

今年的銀行憲章申請激增，與先前的平息形成鮮明對比。這一轉變恰逢特朗普政府對加密友好的立場和不斷發展的監管格局。

Typically, becoming a bank subjects firms to stricter regulatory oversight, which can be a deterrent. However, it can also reduce borrowing costs and enhance legitimacy. Bank charters allow firms to lower their cost of capital by accepting deposits, yet accessing these is a major point of contention in the crypto community.

通常，成為一家銀行對象公司進行更嚴格的監管監督，這可能是一種威懾。但是，它還可以降低借貸成本並提高合法性。銀行憲章允許公司通過接受存款來降低其資本成本，但獲得這些是加密貨幣社區的主要爭議點。

For some time now, various cryptocurrency firms have resisted becoming banks due to the regulatory oversight that comes with it, choosing instead to follow the industry's ethos to further decentralize and improve access to financial services to unbanked or underbanked individuals.

一段時間以來，由於隨之而來的監管監督，各種加密貨幣公司已經抗拒成為銀行，而是選擇遵循行業的精神，以進一步分散並改善獲得金融服務的機會，從而對未賬戶或不受歡迎的個人進行賬戶。

However, several cryptocurrency firms, including Paxos, Anchorage, and Protego have become federally regulated crypto 'banks' after securing a federal trust charter through the U.S. Office of the Comptroller of the Currency (OCC).

但是，包括Paxos，Achonage和Protego在內的幾家加密貨幣公司在通過美國貨幣計算機辦公室獲得聯邦信託章程後，已成為聯邦監管的加密“銀行”（OCC）。

Clocktower Technology Ventures completed a $483 million merger with Health Insurance Innovations to form a blank-check firm, and Sygnum obtained a Swiss bank charter and secured $58 million in funding to become a unicorn.

ClockTower Technology Ventures與健康保險創新合併了4.83億美元，以組成一家空白的檢查公司，Sygnum獲得了瑞士銀行憲章，並獲得了5800萬美元的資金，成為獨角獸。

Meanwhile, Kraken and Avanti have secured Special Purpose Depository Institution charts in Wyoming, making them state-regulated crypto banks.

同時，Kraken和Avanti在懷俄明州獲得了特殊目的的存放機構圖表，使其成為國家監管的加密貨幣銀行。

Historically, new bank charters have been rare. Between 2010 and 2023, regulators approved an average of only five annually, compared to 144 per year from 2000 to 2007, according to S&P Global.

從歷史上看，新的銀行憲章很少見。根據標準普爾Global的數據，在2010年至2023年之間，監管機構平均每年僅批准五個，而2000年至2007年為每年144個。

Applications dwindled due to low interest rates, profitability concerns, and regulatory hurdles. The Federal Deposit Insurance Corporation (FDIC) and Federal Reserve officials have signaled support for streamlining the process. However, setting up a new bank remains expensive, with costs ranging from $20 million to $50 million, according to the report.

由於利率低，利潤率和監管障礙，申請逐漸減少。聯邦存款保險公司（FDIC）和美聯儲官員表示支持簡化該過​​程。但是，建立一家新銀行仍然昂貴，成本在2000萬美元到5000萬美元不等。