美国银行已准备好进军加密货币领域，但需要监管机构的批准

加密货币已经被用来向海外汇款和购买日常用品。银行知道他们需要跟上，否则就有落后的风险。

Banks are still waiting on regulators to give them the green light to enter the crypto market. In the meantime, they're already developing the tools they'll need to make it happen.

银行仍在等待监管机构为其进入加密货币市场开绿灯。与此同时，他们已经在开发实现这一目标所需的工具。

As cryptocurrency continues to gain mainstream adoption, major financial institutions like Bank of America (NYSE:BAC) are still yet to integrate crypto into their banking services. But according to Bank of America CEO Brian Moynihan, it’s not because banks don’t want a piece of the crypto pie—it’s because they’re waiting for regulators to do their thing.

随着加密货币继续获得主流采用，美国银行（NYSE：BAC）等主要金融机构仍未将加密货币整合到其银行服务中。但美国银行首席执行官布莱恩·莫伊尼汉 (Brian Moynihan) 表示，这并不是因为银行不想分一杯羹，而是因为他们正在等待监管机构采取行动。

During an interview with CNBC’s Andrew Ross Sorkin at the World Economic Forum (WEF) in Davos, Switzerland, Moynihan stated that banks are ready to enter the crypto market once the rules are clear.

莫伊尼汉在瑞士达沃斯世界经济论坛 (WEF) 上接受 CNBC 安德鲁·罗斯·索金 (Andrew Ross Sorkin) 采访时表示，一旦规则明确，银行就准备进入加密货币市场。

“If the rules come in and make it a real thing that you can actually do business with, you’ll find that the banking system will come in hard on the transactional side of it,” he said.

“如果规则出台并使其成为真正可以与之开展业务的东西，你会发现银行系统将在交易方面发挥作用，”他说。

Banks are no longer just curious about cryptocurrency; they're ready to get in line. But only if the rules are laid bare.

银行不再只是对加密货币感到好奇；而是对加密货币感到好奇。他们已经准备好排队了。但前提是规则是公开的。

Banks are known for their cautious approach to new trends, preferring to take their time and ensure everything checks out. And with something as disruptive as cryptocurrency, there's a lot to tinker on.

银行以其对新趋势的谨慎态度而闻名，更愿意花时间确保一切顺利。对于像加密货币这样具有颠覆性的事物，还有很多需要改进的地方。

But financial giants like Bank of America have been in the blockchain game for years. The leading financial institution has clinched hundreds of patents and found ways to play it safe with Bitcoin ETFs and custody services. But letting customers pay for coffee with BTC? That's another story entirely.

但像美国银行这样的金融巨头已经涉足区块链游戏多年。这家领先的金融机构已获得数百项专利，并找到了安全使用比特币 ETF 和托管服务的方法。但让顾客用比特币支付咖啡费用呢？那完全是另一个故事了。

Right now, it all comes down to uncertainty. Or, to say it as it is, the lack of clarity. With regulators still figuring things out and the SEC’s past history of cracking down on crypto firms, banks don't want to take any risks. If there were clearer rules, crypto payments might already be mainstream.

现在，一切都归结为不确定性。或者说，事实上，缺乏清晰度。由于监管机构仍在解决问题以及美国证券交易委员会过去打击加密货币公司的历史，银行不想承担任何风险。如果有更明确的规则，加密支付可能已经成为主流。

But things might just be turning around for good with Gensler now gone; as of Monday, 20th January, when his resignation was officially announced by the SEC.

但随着詹斯勒的离开，事情可能会永远好转。截至 1 月 20 日星期一，美国证券交易委员会正式宣布他辞职。

Not to mention Donald Trump, sworn in as the 47th U.S. President on Monday. Things are taking a new turn for the crypto industry since these major events.

更不用说周一宣誓就任美国第 47 任总统的唐纳德·特朗普了。自这些重大事件以来，加密行业的情况正在发生新的转变。

For example, about 48 hours to his inauguration on Monday, U.S. President Donald J. Trump took to his official X handle to announce the launch of his meme coin, $TRUMP, on the Solana network. This news first came as a shock to many in the crypto community. Some even suspected foul play, while others feared that his X handle might have been hacked. It’s amusing and equally interesting that the First Lady, Melania Trump, 24 hours later, launched her own official meme coin, $MELANIA, just after $TRUMP went live. Disruption Banking has covered in detail how these two adventure zone meme coins will perform this year, 2025.

例如，距离周一就职典礼还有大约 48 小时，美国总统唐纳德·J·特朗普 (Donald J. Trump) 通过其官方 X 账号宣布在 Solana 网络上推出他的模因币 $TRUMP。这个消息首先让加密社区的许多人感到震惊。有些人甚至怀疑他有谋杀行为，而另一些人则担心他的 X 手柄可能被黑客入侵。有趣的是，同样有趣的是，第一夫人梅拉尼娅·特朗普 (Melania Trump) 在 $TRUMP 上线 24 小时后，推出了她自己的官方模因币 $MELANIA。 Disruption Banking 详细介绍了这两种冒险区模因币在 2025 年的表现。

Moynihan’s comments should turn a few heads. Crypto is already being used to send money overseas and buy everyday items. Banks know they need to keep up or risk falling behind.

莫伊尼汉的评论应该会引起一些人的注意。加密货币已经被用来向海外汇款和购买日常用品。银行知道他们需要跟上，否则就有落后的风险。

And here’s the thing—banks already have the tools to make it happen. “We have hundreds of patents on blockchain already, we know how to enter the field,” Moynihan said. So, it’s not a question of if banks can do it. It’s about when they’ll be allowed to.

事情是这样的——银行已经拥有实现这一目标的工具。 “我们已经拥有数百项区块链专利，我们知道如何进入该领域，”莫伊尼汉说。所以，这不是银行能不能做到的问题。这是关于他们何时被允许这样做的问题。

For a bit, think about being able to pay for groceries with Bitcoin the same way you use Apple Pay or a debit card, Visa or MasterCard. That future isn’t as far off as it seems. It’s just waiting for the right regulatory green light.

想象一下能够使用比特币支付杂货费用，就像使用 Apple Pay 或借记卡、Visa 或 MasterCard 一样。这个未来并不像看起来那么遥远。它只是在等待适当的监管绿灯。

It turns out that European banks may be jumping headfirst into crypto anyway. Disruption Banking reported that Italy’s largest bank — Intesa Sanpaolo — acquired 11 BTC as a test should customers request that kind of asset type, the bank’s CEO Carlo Messina said.

事实证明，无论如何，欧洲银行可能会一头扎进加密货币领域。 Disruption Banking 报道称，意大利最大的银行 Intesa Sanpaolo 收购了 11 BTC，以测试客户是否需要此类资产类型，该银行首席执行官卡洛·梅西纳 (Carlo Messina) 表示。

In 2017 the head of Italy’s biggest retail bank Intesa Sanpaolo called digital assets a ‘speculative bubble’. Today the bank is testing the same digital assets. The first time an established European bank has undertaken anything like this #bitcoin #banking https://t.co/H8QplMpNlQ pic.twitter.com/WR40RAUZcw

2017年，意大利最大零售银行联合圣保罗银行(Intesa Sanpaolo)的负责人称数字资产是“投机泡沫”。今天，该银行正在测试相同的数字资产。这是一家老牌欧洲银行第一次采取这样的行动#bitcoin #banking https://t.co/H8QplMpNlQ pic.twitter.com/WR40RAUZcw

But with pro-crypto Trump in the Oval Office now, the cryptocurrency industry is fairly sure that “Fair weather winds are beginning to blow…,” says Fred Thiel, Charmain, and CEO at MARA Holdings (NASDAQ:MARA). Besides, many people are speculating that with the Trump administration already dishing out executive orders from day 1, the Strategic Bitcoin Reserve (SBR) should make his list. And with a total of 12 U.S. States that have introduced bills to hold Bitcoin as part

但现在随着支持加密货币的特朗普入主椭圆形办公室，加密货币行业相当肯定“好天气即将开始……”MARA Holdings（纳斯达克股票代码：MARA）首席执行官 Fred Thiel 表示。此外，许多人猜测，由于特朗普政府从第一天起就已经发布了行政命令，战略比特币储备（SBR）应该列入他的名单。美国共有 12 个州出台了持有比特币的法案