美國貨幣主計算員辦公室（OCC）允許銀行從事加密貨幣業務

美國貨幣審計長辦公室（OCC）已轉移了一項重大政策，該政策將允許銀行在沒有監管機構許可的情況下開展加密貨幣業務。

The US Office of the Comptroller of the Currency (OCC) has made a decisive move by shifting a significant policy that will permit banks to engage in crypto activities without needing prior approval from regulators. This action directly contradicts the Biden administration's efforts to impose restrictions on such activities and marks a return to the Trump administration's pro-crypto stance.

美國貨幣審計長辦公室（OCC）通過轉移一項重大政策，將允許銀行從事加密活動而無需事先獲得監管機構的批准，從而做出了決定性的行動。這項行動直接與拜登政府對此類活動施加限制的努力相矛盾，並標誌著返回特朗普政府的親克賴特托立場。

Announced on Friday, the move will modify an existing 2023 proposal and eliminate the requirement for banks to seek permission from the OCC to provide crypto services, such as trading, custody, and digital asset banking. However, banks will still be subject to the usual risk management protocols and will be expected to manage the risks associated with crypto activities.

此舉於週五宣布，將修改現有的2023年提案，並消除銀行尋求OCC許可以提供加密服務（例如交易，監護權和數字資產銀行業務）的要求。但是，銀行仍將遵守通常的風險管理協議，並有望管理與加密活動相關的風險。

"Today’s action will lessen the burden on banks and provide for consistent treatment of crypto activities, regardless of the technology. We will continue to work with our colleagues across the government and in the industry to ensure that the U.S. financial system remains competitive and innovative in the rapidly evolving landscape of digital assets," explained Rodney Hood, acting comptroller, in a prepared statement.

Rodney Hood在準備好的陳述中，ACT Nearking Comptroller中解釋說：“無論技術如何，今天的行動都將減輕銀行的負擔，並提供對加密活動的一致處理。我們將繼續與整個政府和行業的同事合作，以確保美國金融體系在數字資產的快速發展的景觀中保持競爭力和創新性。”

The move comes as crypto companies, such as Coinbase (NASDAQ:COIN), have also been pressing for greater regulatory clarity. The exchange has already sought and gained approval for banks to offer crypto custody and trading services.

此舉是因為Coinbase（NASDAQ：COIN）等加密公司也一直在敦促更大的監管清晰度。該交易所已經尋求並獲得了銀行提供加密貨幣保管和交易服務的批准。

Coinbase chief legal officer Paul Grewal welcomed the development, stating that "any new class of asset or technology presents unique legal and regulatory issues that must be addressed." He added, "This step by the OCC is a positive one in setting forth clear expectations and guidelines for institutions operating in this space."

Coinbase首席法律官Paul Grewal歡迎這一開發項目，並指出：“任何新的資產或技術都會提出必須解決的獨特法律和監管問題。”他補充說：“ OCC的這一步驟是為在這個領域開展的機構的明確期望和準則的積極目標。”

Highlighting the broader context, Grewal further noted, "We are encouraged to see several regulators taking steps to provide clarity in crypto. It seems like eons ago—but it was just last year that the SEC was threatening to shut down crypto trading and custody outright. Now, several agencies are granting national banks limited ability to perform these activities."

格雷瓦爾（Grewal）進一步指出：“鼓勵我們看到幾個監管機構正在採取措施在加密貨幣方面提供清晰度。這似乎是前面的。但正是去年，SEC威脅要直接關閉加密貨幣交易和託管。

The action also follows a period of the U.S. Securities and Exchange Commission (SEC) becoming more crypto-friendly under Mark Uyeda. The SEC recently dropped suits against leading crypto firms like Kraken and OpenSea, signaling a shift towards more open regulations. The agency also ended its lengthy court battle with Coinbase, further cementing this policy trend.

該訴訟還遵循美國證券交易委員會（SEC）在馬克·烏耶達（Mark Uyeda）下變得更加加密友好的時期。 SEC最近對Kraken和Opensea等領先的加密貨幣公司製定了訴訟，這表明向更開放的法規轉變。該機構還結束了與Coinbase的漫長法庭戰鬥，進一步鞏固了這一政策趨勢。

While the OCC pulled back and the Trump regime went all-in on crypto, the industry is waiting to be integrated with mainstream finance. Newly appointed "AI & Crypto Czar" David Sacks has done much of this heavy lifting in Trump's ranks to get the ball rolling. For instance, he got a 2019 SEC regulation repealed that regarded cryptos held by a bank in its balance sheet as "liabilities." This ruling had posed a significant obstacle to financial institutions engaging with crypto due to the limited classes of assets they are permitted to hold on their balance sheets.

當OCC退後一步，而特朗普政權全力以赴，但該行業正在等待與主流財務融合。新任命的“ AI＆Crypto Czar”大衛·薩克斯（David Sacks）在特朗普的隊伍中做了很多繁重的比賽，以使球滾動。例如，他獲得了一項2019年SEC法規，該法規被廢除，該法規被銀行在其資產負債表中持有的加密貨幣為“負債”。由於允許他們持有資產負債表的資產有限，因此這項裁決對與加密貨幣的互動構成了重大障礙。

Despite the legal and regulatory hurdles, several institutions have already begun venturing into the crypto space. For instance, Northern Trust has launched a digital asset custody service, and State Street is offering blockchain-based trade processing services.

儘管有法律和監管障礙，但一些機構已經開始冒險進入加密貨幣領域。例如，北方信託基金（Northern Trust）推出了數字資產監護服務，而州街（State Street）則提供基於區塊鏈的貿易處理服務。

However, even with regulators giving the all-clear and institutions beginning to take the initiative, there are still hurdles to overcome. Banks will need to manage the usual risk management burden imposed by regulators and adjust to the evolving demands of the crypto ecosystem. Furthermore, large financial institutions may not necessarily be inclined to embrace crypto due to legal and market unpredictability.

但是，即使監管機構賦予全能和機構開始採取行動，仍然有要克服的障礙。銀行將需要管理監管機構施加的通常的風險管理負擔，並適應加密生態系統的不斷發展的需求。此外，由於法律和市場不可預測性，大型金融機構可能不一定傾向於接受加密貨幣。

The OCC's ruling is a pivotal moment in the unfolding narrative of crypto banking, setting the stage for greater institutional adoption. Yet, the long-term impact will depend on how banks and regulators choose to shape the next generation of financial innovation in this rapidly changing landscape.

OCC的裁決是加密貨幣銀行敘事的關鍵時刻，為更大的機構採用奠定了基礎。然而，長期影響將取決於銀行和監管機構如何選擇在這種快速變化的景觀中塑造下一代金融創新。