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數位資產友善貸款機構 Silvergate Bank 的母公司 Silvergate Capital Corp. 已根據美國破產法第 11 章向美國法院申請破產保護。
Silvergate Capital Corp. (NYSE:SI), the parent company of digital asset-friendly lender Silvergate Bank, has filed for Chapter 11 bankruptcy protection at a U.S. court.
Silvergate Capital Corp.(NYSE:SI)是數位資產友善貸款機構 Silvergate Bank 的母公司,已根據美國破產法第 11 章向美國法院申請破產保護。
The bank entered liquidation in March 2023, announcing that it would wind down operations and repay all deposits in the aftermath of the FTX contagion.
該銀行於 2023 年 3 月進入清算階段,宣布將在 FTX 疫情蔓延後結束業務並償還所有存款。
In its filing at the United States Bankruptcy Court for the District of Delaware, Silvergate Capital revealed that it has no remaining lines of business and pledged to repay creditors using the remaining cash.
Silvergate Capital 在向美國特拉華州破產法院提交的文件中透露,該公司沒有剩餘業務,並承諾使用剩餘現金償還債權人。
After repaying the depositors, the company will have $163 million in cash. It will use $18 million from this stash to repay bondholders and divide the rest among the stakeholders. However, it doesn’t intend to repay common stockholders.
償還儲戶後,公司將擁有1.63億美元現金。它將用這筆資金中的 1800 萬美元償還債券持有人,並將其餘部分分配給利害關係人。然而,它並不打算償還普通股股東。
Silvergate was one of the American banks that capitalized on the rise of digital currency, growing its deposits from less than $2 billion in 2019 to $14 billion two years later. It became the bank of choice for companies like Circle, which held $3.3 billion in USDC reserves at the bank.
Silvergate 是利用數位貨幣崛起的美國銀行之一,其存款從 2019 年的不到 20 億美元增加到兩年後的 140 億美元。它成為 Circle 等公司的首選銀行,Circle 在該銀行持有 33 億美元的 USDC 儲備。
By 2021, digital asset deposits at Silvergate Bank accounted for a staggering 98% of the bank’s overall deposits. Then came the FTX collapse in November 2022, which impacted the direct deposits by the exchange and sparked a bank run that saw clients withdraw over $8 billion in weeks.
到2021年,Silvergate銀行的數位資產存款佔該銀行整體存款的比例達到驚人的98%。隨後,FTX 在 2022 年 11 月崩潰,影響了交易所的直接存款,並引發了銀行擠兌,導致客戶在幾週內提取了超過 80 億美元。
Silvergate exec: Regulators pushed us out of business
Silvergate 高層:監管機構讓我們破產
While its tie-up with digital currency has been cited as its downfall, one Silvergate executive has blamed the bank’s collapse on federal regulators.
儘管與數位貨幣的合作被認為是該銀行垮台的原因之一,但 Silvergate 的一位高層將該銀行的倒閉歸咎於聯邦監管機構。
In an accompanying filing, Chief Administrative Officer Elaine Hetrick narrowed the company’s woes to a push by regulators in early 2023 to tighten their regulatory grip on ‘crypto’ banks.
在隨附的一份文件中,首席行政官 Elaine Hetrick 將公司的困境縮小到監管機構在 2023 年初推動加強對「加密」銀行的監管控制。
In February, the U.S. Fed, the OCC, and the FDIC released a joint statement claiming that banks with digital asset exposure may face heightened liquidity risk.
今年 2 月,聯準會、OCC 和 FDIC 發布聯合聲明,聲稱擁有數位資產曝險的銀行可能面臨更高的流動性風險。
“The increased supervisory pressure on Silvergate Bank and other banks focused on servicing crypto-asset businesses forced Silvergate Bank to a point where it would have needed to remake its business model away from its focus on crypto-asset businesses, seek to sell itself as a going concern in the shadow of the regulatory overhang or begin winding down its affairs with the goal of preserving as much value as possible for stakeholders,” Hetrick wrote in the filing.
「Silvergate 銀行和其他專注於為加密資產業務提供服務的銀行面臨的監管壓力不斷增加,迫使 Silvergate 銀行不得不重塑其業務模式,不再專注於加密資產業務,而是尋求將自己推銷為一家赫特里克在文件中寫道:“在監管懸而未決的陰影下繼續經營,或者開始逐步結束其事務,以期為利益相關者保留盡可能多的價值。”
Hetrick insists that, before this statement, Silvergate had been able to absorb the shock of the FTX collapse, including by cutting 40% of its staff and suspending capital-intensive services. However, the statement affected investors’ confidence, and the ensuing bank run dealt a massive blow to the bank, she said.
Hetrick 堅稱,在發表此聲明之前,Silvergate 已經能夠吸收 FTX 崩潰的衝擊,包括裁員 40% 並暫停資本密集型服務。然而,該聲明影響了投資者的信心,隨後發生的銀行擠兌對銀行造成了巨大打擊,她說。
Hetrick added that Silvergate’s closure indicates the U.S. federal regulators’ anti-digital asset stance. She quoted Barney Frank, a former congressman and director of Signature Bank—yet another defunct crypto-friendly bank—who claimed that “regulators wanted to send a very strong anti-crypto message.”
Hetrick 補充道,Silvergate 的關閉表明了美國聯邦監管機構的反數位資產立場。她引用了前國會議員兼 Signature Bank(另一家已解散的加密友好銀行)董事 Barney Frank 的話,他聲稱“監管機構希望發出非常強烈的反加密信息。”
A year after its collapse, federal regulators filed charges against Silvergate, accusing it of lax KYC and AML structures, which allowed over $1 trillion to be transferred through its 24/7 Silvergate Exchange Network (SEN) without monitoring for suspicious transactions.
Silvergate 倒閉一年後,聯邦監管機構對 Silvergate 提出指控,指責其 KYC 和 AML 結構鬆懈,導致超過 1 兆美元透過其 24/7 Silvergate 交易網絡 (SEN) 進行轉移,而沒有監控可疑交易。
The top brass also faced charges for misleading investors about the bank’s compliance with the Bank Secrecy Act and its losses from FTX-related debt securities sales. The SEC proved that the management was aware of the deficiencies, with Kathleen Fraher, the chief risk officer, allegedly infamously stating, “We have known of this issue and either we have established other controls to account for it or we haven’t, and we have to take our lumps.”
高層還因在該銀行遵守《銀行保密法》以及 FTX 相關債務證券銷售損失方面誤導投資者而面臨指控。 SEC 證明管理層意識到了這些缺陷,首席風險官凱瑟琳·弗拉赫(Kathleen Fraher) 據稱曾臭名昭著地表示:「我們已經知道這個問題,要么我們已經建立了其他控制措施來解決這個問題,要么我們還沒有,並且我們必須克服困難。
To settle the charges with the SEC, Silvergate forked out $50 million in penalties. It also paid $43 million to settle similar charges filed by the Fed and $20 million to the California Department of Financial Protection and Innovation.
為了與 SEC 達成和解,Silvergate 支付了 5,000 萬美元的罰款。它還支付了 4,300 萬美元來和解聯準會提出的類似指控,並向加州金融保護和創新部支付了 2,000 萬美元。
Watch: Teranode & the Web3 world with edge-to-edge electronic value system
觀看:Teranode 和具有邊緣到邊緣電子價值系統的 Web3 世界
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