超过15家加密公司正在为银行许可证袭击大门

据报道

The U.S. banking regulators are opening the door for greater participation by crypto firms in the federal financial system. More than 15 crypto firms are applying for banking licenses with the Office of the Comptroller of the Currency (OCC).

美国银行监管机构正在为加密货币公司在联邦金融体系中的更多参与打开了大门。超过15家加密公司正在申请与货币审计长办公室（OCC）申请银行许可证。

According to data from Crypto in America, at least 15 crypto and fintech entities, including Circle and Bitgo, have applications pending with the OCC for new national bank charters.

根据美国加密货币的数据，包括Circle和BitGo在内的至少15个加密技术（包括Circle和BitGo）在OCC中申请了新的国家银行宪章。

The OCC, which regulates around 1,000 national banks and federal savings associations, has become more receptive to these applications, especially under the Trump administration.

OCC规范了约1,000个国家银行和联邦储蓄协会，它变得更加接受这些申请，尤其是在特朗普政府的领导下。

Those seeking deeper integration with the traditional banking system can apply for a trust charter. These charters can provide an entry point for firms to reach the Federal Reserve’s master accounts, granting direct access to the central bank’s payment infrastructure - a resource typically reserved for federally regulated depository institutions.

那些寻求与传统银行系统更深入整合的人可以申请信托宪章。这些宪章可以为公司到达美联储的主要帐户的切入点，从而直接访问中央银行的付款基础设施 - 这种资源通常保留给联邦管制的托管机构。

This increase in applications follows an Interpretive Letter issued by the OCC in March, permitting national banks and federal savings associations to engage in certain cryptocurrency activities.

申请的增加遵循OCC在3月发出的解释信之后，允许国家银行和联邦储蓄协会从事某些加密货币活动。

The letter confirms that crypto custody, stablecoin functions, and use of distributed ledger networks are permitted. Acting Comptroller Rodney E. Hood emphasized the importance of consistent risk management.

这封信确认允许加密货币，稳定的功能以及分布式分类帐网络的使用。代理主计长罗德尼·E·胡德（Rodney E. Hood）强调了一致的风险管理的重要性。

“This administrative action will reduce the regulatory burden on banks to engage in crypto-related activities and ensure that these bank activities are treated consistently by the OCC, regardless of the underlying technology,” said Hood.

Hood说：“行政行动将减轻银行的监管负担，以从事加密货币相关的活动，并确保这些银行活动受到OCC的一致对待，无论基本技术如何。”

The Federal Deposit Insurance Corporation (FDIC) is also aligning with this shift. A policy update in Financial Institution Letter FIL-7-2025 permits FDIC-supervised banks to engage in crypto activities without prior approval, provided they have proper risk controls.

联邦存款保险公司（FDIC）也与这一转变保持一致。金融机构信件FIL-7-2025的政策更新允许FDIC监督银行在未经事先批准的情况下从事加密活动，只要它们具有适当的风险控制。

“With today’s action, the FDIC is turning the page on the flawed approach of the past three years,” said Acting Chairman Travis Hill last month. This change applies to more than 5,000 U.S. banks under FDIC oversight.

代理董事长特拉维斯·希尔（Travis Hill）上个月说：“通过今天的行动，FDIC将在过去三年的有缺陷的方法上翻页。”此更改适用于FDIC监督下的5,000多家美国银行。

The shift in approach was signaled by Federal Reserve Chair Jerome Powell, who noted a more open regulatory stance toward crypto assets.

美联储主席杰罗姆·鲍威尔（Jerome Powell）表示，进近的转变指出了对加密资产的更公开的监管立场。

“We took a pretty conservative and other banking regulators took an even more conservative perspective on the guidance and rules we imposed on banks on crypto. I think there’ll be some loosening of that,” Powell said.

鲍威尔说：“我们采取了一个非常保守的银行监管机构对我们对加密货币银行施加的指导和规则的看法更加保守。我认为这会有一些松动。”

He recognized the sector’s growing maturity, adding: “The climate is changing and you’re moving into sort of more mainstreaming of that whole sector.”

他认识到该行业的成熟度越来越大，并补充说：“气候正在发生变化，您正在成为整个部门的更多主流。”