新发布的文件显示，FDIC 不鼓励会员银行使用以太坊等公共区块链

Coinbase 根据《信息自由法》(FOIA) 获得的最新发布的文件揭示了 FDIC 对使用公共区块链的银行的担忧

Newly obtained documents reveal that the U.S. banking regulator, the Federal Deposit Insurance Corporation (FDIC), has discouraged a member bank from utilizing public blockchains, highlighting tensions between traditional finance and DeFi.

新获得的文件显示，美国银行监管机构联邦存款保险公司（FDIC）不鼓励一家成员银行使用公共区块链，凸显了传统金融与 DeFi 之间的紧张关系。

Documents obtained by Coinbase show that the FDIC raised concerns with a bank that had been exploring the use of Ethereum, a prominent public blockchain, for certain financial activities. The regulator’s main concern appears to be the lack of control and oversight associated with public blockchains, which are decentralized and operate outside the purview of centralized authorities like banks or government institutions. The FDIC expressed worries over the potential for public blockchains to create risks related to transaction privacy, security, and compliance with financial regulations.

Coinbase 获得的文件显示，FDIC 对一家银行表示担忧，该银行一直在探索使用以太坊（一种著名的公共区块链）进行某些金融活动。监管机构的主要担忧似乎是缺乏与公共区块链相关的控制和监督，这些区块链是去中心化的，并且在银行或政府机构等中央机构的职权范围之外运作。 FDIC 对公共区块链可能带来交易隐私、安全和金融监管合规性相关风险的担忧。

One of the primary issues raised by the FDIC in the documents is the challenge of ensuring the privacy and security of sensitive financial data on public blockchains. Since public blockchains like Ethereum are transparent by design, transactions can be viewed by anyone on the network. While transactions are pseudonymous, this transparency poses a risk for banks, which are typically required to comply with strict privacy and data protection regulations.

FDIC 在文件中提出的主要问题之一是确保公共区块链上敏感金融数据的隐私和安全的挑战。由于像以太坊这样的公共区块链在设计上是透明的，因此网络上的任何人都可以查看交易。虽然交易是匿名的，但这种透明度给银行带来了风险，银行通常需要遵守严格的隐私和数据保护法规。

Additionally, the FDIC highlighted the potential for regulatory uncertainty surrounding the use of public blockchains in banking activities. With many countries still working to establish clear guidelines on cryptocurrency regulation, the FDIC’s concerns reflect broader anxieties about how public blockchain adoption could complicate existing compliance frameworks and expose banks to legal and operational risks.

此外，FDIC 强调了在银行活动中使用公共区块链可能存在的监管不确定性。由于许多国家仍在努力制定明确的加密货币监管指导方针，FDIC 的担忧反映了人们对公共区块链的采用如何使现有合规框架复杂化并使银行面临法律和运营风险的更广泛的担忧。

While the FDIC’s concerns are significant, they also signal the ongoing conversation about the future role of blockchain technology in traditional banking. Although public blockchains like Ethereum present certain risks, their potential for enabling faster, cheaper, and more transparent transactions has led many in the fintech sector to advocate for broader adoption.

虽然 FDIC 的担忧很严重，但它们也表明人们正在就区块链技术在传统银行业中的未来作用进行对话。尽管像以太坊这样的公共区块链存在一定的风险，但它们实现更快、更便宜和更透明交易的潜力促使金融科技领域的许多人主张更广泛地采用。

Some banks and financial institutions have already begun experimenting with private or permissioned blockchains, which offer greater control and privacy compared to public blockchains. These solutions aim to address some of the concerns raised by regulators while still leveraging the benefits of blockchain technology.

一些银行和金融机构已经开始尝试私有或许可的区块链，与公共区块链相比，它们提供了更好的控制和隐私。这些解决方案旨在解决监管机构提出的一些担忧，同时仍然利用区块链技术的优势。

As the regulatory landscape continues to evolve, it’s likely that the FDIC and other financial authorities will continue to assess the risks and rewards of integrating blockchain into the banking system. The tension between innovation and regulation is expected to shape the conversation around the adoption of blockchain technology in traditional finance for the foreseeable future.

随着监管环境的不断发展，FDIC 和其他金融机构可能会继续评估将区块链整合到银行系统的风险和回报。在可预见的未来，创新与监管之间的紧张关系预计将影响传统金融中区块链技术采用的讨论。

Coinbase’s efforts in obtaining and releasing these documents have opened a window into the FDIC’s stance on blockchain adoption, adding to the growing debate about the intersection of cryptocurrency and traditional finance.

Coinbase 获取和发布这些文件的努力为了解 FDIC 对区块链采用的立场打开了一个窗口，加剧了关于加密货币与传统金融交叉的日益激烈的争论。

By using the FOIA process, Coinbase has once again positioned itself at the center of the conversation about regulatory clarity and the future of cryptocurrency in mainstream finance. As blockchain technology continues to mature, it’s clear that regulators will play a pivotal role in determining the extent to which banks can integrate decentralized systems like Ethereum into their operations. The outcome of this ongoing dialogue will likely have a profound impact on the future of both the banking sector and the broader cryptocurrency market.

通过使用 FOIA 流程，Coinbase 再次将自己置于有关监管清晰度和加密货币在主流金融领域的未来的对话中心。随着区块链技术的不断成熟，很明显，监管机构将在确定银行将以太坊等去中心化系统整合到其运营中的程度方面发挥关键作用。此次持续对话的结果可能会对银行业和更广泛的加密货币市场的未来产生深远影响。