加密货币和金融科技公司越来越多地寻求特朗普政府的银行宪章

一份报告称

Cryptocurrency and fintech companies are increasingly seeking bank charters in an attempt to grow their businesses, according to a report from Reuters, which talked to more than half a dozen industry executives.

根据路透社的一份报告，加密货币和金融科技公司越来越多地寻求银行宪章，以发展其业务，该报告与六个以上的行业高管进行了交谈。

The moves come as the Trump administration is seen as more industry-friendly and there are opportunities to gain the licenses that regulators under previous administrations may have been slow to approve.

这一举动是因为特朗普政府被视为对行业更友好，并且有机会获得前先前政府领导下的监管机构的许可证可能很慢。

While discussions about pursuing bank charters are heating up, it is unknown how many companies will ultimately follow through. It can cost tens of millions of dollars to start up a bank, but there are benefits such as increased credibility with the general public.

尽管关于追求银行宪章的讨论正在加热，但尚不清楚有多少公司最终将继续进行。成立银行可能会花费数千万美元，但是有很多好处，例如提高公众的信誉。

According to Reuters, 144 bank charter applications were approved every year between 2000 and 2007, but that number shrank to only five approved per year between 2010 and 2023. 2008 marked the year of the great financial crisis and subsequently increased scrutiny on banks.

根据路透社的说法，每年在2000年至2007年之间批准了144份银行宪章申请，但该数字在2010年至2023年期间每年仅批准5个批准。2008年是大金融危机的一年，随后对银行的审查进行了增加。

The Trump administration has signaled openness to innovation in the finance sector, especially in the cryptocurrency industry. Since his January inauguration, President Trump created a crypto working group, signed an executive order to create a national strategic Bitcoin (BTC) reserve, and hosted the first White House crypto summit.

特朗普政府标志着金融部门的创新开放，尤其是在加密货币行业。自1月就职典礼以来，特朗普总统成立了一个加密货币工作组，签署了一项行政命令，以创建国家战略比特币（BTC）储备金，并主持了第一个白宫加密峰会。

Related: Wyoming defends crypto-friendly bank charter regime in Custodia Bank’s lawsuit with Fed

相关：怀俄明州在Custodia银行与美联储的诉讼中为对加密货币友好的银行包机辩护

The report highlights how this administration has been more receptive to new types of financial institutions.

该报告强调了该政府如何更容易接受新型的金融机构。

“The Trump administration has shown an interest in approving new bank charters, which is something that the Obama administration was not keen on doing,” said an industry executive who requested anonymity to speak candidly.

一位行业主管说：“特朗普政府对批准新的银行宪章有兴趣，这是奥巴马政府不热衷于这样做的事情。”

“They are also more open to the idea of cryptocurrency and fintech companies applying for charters, which could lead to the creation of new financial institutions that are better suited to the needs of the digital age.”

“他们也更开放对加密货币和金融科技公司申请宪章的想法，这可能导致创建新的金融机构，这些机构更适合数字时代的需求。”

Crypto companies that have applied for bank charters in US

在美国申请银行宪章的加密公司

Although it is uncommon for crypto companies to seek bank charters in the United States, there are examples of some who succeeded in the 2020s.

尽管加密货币公司在美国寻求银行宪章并不常见，但有些人在2020年代取得了成功。

Crypto exchange Kraken was approved for a bank charter in Wyoming in 2020, Anchorage Digital Bank received its charter in January 2021, and crypto lender Nexo purchased a stake in a holding company that owns a federally-chartered bank in 2022.

Crypto Exchange Kraken于2020年在怀俄明州获得银行宪章，于2021年1月获得了Anchorage Digital Bank的宪章，加密货币贷方Nexo在一家拥有一家由联邦政府的银行的控股公司购买了一笔股份。

Companies applying for bank charters in the United States face challenges such as compliance with anti-money laundering laws and the Bank Secrecy Act.

在美国申请银行宪章的公司面临诸如遵守反洗钱法律和《银行保密法》之类的挑战。

The increased regulatory oversight and centralization may also run contrary to the spirit of crypto, where decentralization is a core value. However, securing a bank charter comes with a major financial benefit: companies that do so can lower the cost of capital by accepting deposits.

增加的监管监督和集中化也可能与加密精神相反，加密精神是核心价值。但是，确保银行宪章具有重大财务利益：这样做的公司可以通过接受存款来降低资本成本。