提供加密貨幣交易的瑞士線上銀行 FlowBank 已關閉並宣布破產

FlowBank 是一家從事加密貨幣交易的瑞士銀行，與許多加密平台有聯繫，例如 TrueUSD 穩定幣發行商 Techteryx

FlowBank, a Swiss online bank that offered cryptocurrency trading services, has been declared bankrupt after the country's financial regulator found it had breached operational standards.

FlowBank是一家提供加密貨幣交易服務的瑞士線上銀行，在該國金融監管機構發現其違反營運標準後已被宣布破產。

FlowBank, which was established in 2020 and had ties to several crypto platforms, including TrueUSD stablecoin issuer Techteryx, crypto asset manager CoinShares, and reportedly Binance, was ordered to shut down on Thursday.

FlowBank 成立於 2020 年，與多個加密平台有聯繫，包括 TrueUSD 穩定幣發行商 Techteryx、加密資產管理公司 CoinShares 以及據稱還有幣安 (Binance)，該公司於週四被勒令關閉。

According to a statement from the Swiss Financial Market Supervisory Authority (FINMA) on June 13, FlowBank had breached the standards required for it to operate as a bank and no longer had the minimum capital required for its business operations.

根據瑞士金融市場監理局（FINMA）6月13日的聲明，FlowBank違反了銀行營運所需的標準，不再具備其業務營運所需的最低資本。

The regulatory body also noted that there were concerns that FlowBank owed more money than it had, making it financially unstable and unable to be saved or reorganized.

監管機構也指出，有人擔心 FlowBank 欠下的錢比實際情況多，導致其財務不穩定，無法挽救或重組。

"As a result of the bankruptcy, FlowBank can no longer provide any services. In particular, it can no longer accept or execute any payment orders," the statement read.

聲明中寫道：“由於破產，FlowBank 無法再提供任何服務。特別是，它無法再接受或執行任何支付指令。”

FlowBank declared bankruptcy on the morning of June 13, and all services provided by the bank were rendered inaccessible.

FlowBank於6月13日上午宣布破產，該銀行提供的所有服務都無法存取。

According to reports, the bank had assets valued at $760 million (CHF 680 million), managed over 22,000 client accounts, and employed around 140 staff members worldwide.

據報道，該銀行擁有價值 7.6 億美元（6.8 億瑞士法郎）的資產，管理著 22,000 多個客戶帳戶，並在全球僱用了約 140 名員工。

In June 2023, FINMA hired a supervisor to investigate FlowBank's financial activities and determine its compliance failures.

2023 年 6 月，FINMA 聘請了一名主管來調查 FlowBank 的財務活動並確定其合規失敗情況。

The investigation revealed that FlowBank had engaged in numerous higher-risk business relationships and processed large financial transactions without conducting proper due diligence, violating regulatory standards.

調查顯示，FlowBank 在未進行適當盡職調查的情況下參與了大量高風險業務關係並處理了大額金融交易，違反了監管標準。

After discovering the breaches, FINMA ordered FlowBank to withdraw its banking license on March 8, 2024. However, this decision is being appealed at the Federal Administrative Court and has not yet become final.

在發現違規行為後，FINMA 於 2024 年 3 月 8 日下令 FlowBank 撤銷其銀行執照。