FDIC宣布银行不再需要批准才能从事与加密相关的活动

联邦存款保险公司（FDIC）周五宣布，银行不再需要事先批准与加密相关的活动。

The Federal Deposit Insurance Corporation (FDIC) has announced that banks will no longer require prior approval to engage in cryptocurrency-related activities. This adjustment to the agency’s policy permits banks to work with digital currencies while still keeping some oversight.

联邦存款保险公司（FDIC）宣布，银行将不再需要事先批准与加密货币相关的活动。对机构政策的调整使银行可以使用数字货币合作，同时仍保持一定的监督。

The change, announced Friday, cancels a 2022 rule that forced banks to get permission before dealing with cryptocurrencies or blockchain technology.

该变更周五宣布，取消了一项2022年的规则，该规则迫使银行在处理加密货币或区块链技术之前获得许可。

The old restrictions had been criticized by banking groups and crypto supporters. They argued that regulators were attempting to block legitimate blockchain innovation through paperwork barriers. A lawsuit by Coinbase recently showed letters where the FDIC discouraged banks from working with crypto.

旧的限制受到银行集团和加密支持者的批评。他们认为监管机构试图通过文书工作壁垒阻止合法的区块链创新。 Coinbase的诉讼最近显示了FDIC阻止银行与Crypto合作的信件。

The agency is now returning to a policy that requires banks to notify the FDIC about crypto activities and show they can manage risks related to consumer protection and financial stability.

该机构现在正在恢复一项政策，要求银行通知FDIC有关加密活动的活动，并表明他们可以管理与消费者保护和财务稳定性有关的风险。

“FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as cryptoassets and digital assets, provided that they adequately manage the associated risks,” the agency said.

该机构说：“ FDIC监督机构可以从事允许的活动，包括涉及新兴技术和加密和数字资产等新兴技术的活动，只要它们可以充分管理相关的风险。”

“With today’s action, the FDIC is turning the page on the flawed approach of the past three years,” said FDIC Acting Chairman Travis Hill.

FDIC代理主席特拉维斯·希尔（Travis Hill）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。”

Banks may now handle cryptocurrency custody, manage stablecoin reserves, and participate in blockchain payment systems without pre-approval.

银行现在可以处理加密货币监护权，管理Stablecoin储备，并在没有预先批准的情况下参与区块链支付系统。

This adjustment to the agency’s policy permits banks to work with digital currencies while still keeping some oversight.

对机构政策的调整使银行可以使用数字货币合作，同时仍保持一定的监督。

“The institutions may engage in permissible activities, including activities involving new and emerging technologies such as cryptoassets and digital assets, provided that they adequately manage the associated risks,” the agency said Friday.

该机构周五表示：“这些机构可以从事允许的活动，包括涉及新兴技术和加密和数字资产等新兴技术的活动，只要它们可以充分管理相关风险。”

The institutions will still be subject to supervision and must follow safety standards, anti-money laundering laws, and consumer protection rules when working with digital assets.

这些机构仍将受到监督，并且必须遵守安全标准，反洗钱法律以及使用数字资产时的消费者保护规则。

This change follows a similar move by the Office of the Comptroller of the Currency earlier this month. Both changes reflect the Trump administration’s more friendly approach to crypto.

这一变化是在本月初的货币审计长办公室采取的类似举动。两种变化都反映了特朗普政府对加密货币的更友好的方法。

David Sacks, White House AI and Crypto Advisor, said the OCC’s decision is “a big win for crypto.”

白宫AI和加密助理顾问大卫·萨克斯（David Sacks）说，OCC的决定是“加密货币的巨大胜利”。

“It removes reputational risk, a subjective and meaningless factor, from how banks are supervised,” Sacks added.

萨克斯补充说：“从银行的监督方式中，它消除了声誉风险，这是一个主观和毫无意义的因素。”

The FDIC is also working with other regulatory agencies to update outdated guidance.

FDIC还与其他监管机构合作以更新过时的指导。

“This policy change is one of several steps the FDIC will take to provide clarity and support to institutions engaging with blockchain and crypto technologies,” said Acting Chairman Hill.

代理主席希尔说：“这项政策变更是FDIC将采取的几个步骤之一，为与区块链和加密技术的机构提供明确和支持。”