FDIC对我们所有人撒谎：未经审查的文件揭示了有关加密货币暂停字母的真相

在参议院听证会上，代理FDIC主席特拉维斯·希尔（Travis Hill）确认该机构正在修改其对加密货币的立场。

The Federal Deposit Insurance Corporation (FDIC) has announced plans to revise its policies, allowing U.S. banks to manage cryptocurrency assets and offer tokenized deposits without prior regulatory approval.

联邦存款保险公司（FDIC）宣布了计划修改其政策的计划，使美国银行能够管理加密货币资产并提供代币的存款，而无需事先进行监管。

During a Senate hearing on Thursday, Acting FDIC Chairman Travis Hill confirmed that the agency is revising its stance on cryptocurrency. He explained that the FDIC is re-evaluating its previous policies that had discouraged banks from engaging with crypto assets.

在周四的参议院听证会上，代理FDIC主席特拉维斯·希尔（Travis Hill）确认该机构正在修改其对加密货币的立场。他解释说，FDIC正在重新评估其以前的政策，该政策阻止银行参与加密资产。

Hill noted that financial institutions interested in entering the crypto space often faced significant delays, excessive scrutiny, and pushback from regulators. This hindered their efforts to participate in the growing sector.

希尔指出，有兴趣进入加密货币空间的金融机构通常会面临重大延误，过度审查和监管机构的推回。这阻碍了他们参与成长行业的努力。

Once the revisions are finalized, tokenized deposits could merge checking accounts with blockchain technology, marking a key shift in banking infrastructure as it adapts to the rapidly growing digital asset sector, Barron’s reported.

据Barron的报道，一旦修订确定，令牌的存款可以将支票帐户与区块链技术合并，这标志着银行基础设施的关键转变，因为它适应了快速增长的数字资产行业。

The announcement comes as the FDIC also made public 175 internal documents outlining its previous interactions with banks about cryptocurrency. The release follows a court order stemming from a lawsuit by Coinbase, which sought greater transparency on the regulatory measures impacting the crypto sector.

该公告是因为FDIC还公开了175个内部文件，概述了其先前与银行有关加密货币的互动。该释放是由Coinbase诉讼引起的法院命令，该命令要求对影响加密部门的监管措施提高透明度。

These documents specifically pertain to the “pause letters” sent in 2022, advising 24 financial institutions to halt or avoid offering services related to cryptocurrency.

这些文件特别与2022年发送的“暂停信”有关，建议24个金融机构停止或避免提供与加密货币有关的服务。

“Our decision to release these documents reflects a commitment to enhance transparency, beyond what is required by the Freedom of Information Act (FOIA), while also attempting to fulfill the spirit of the FOIA request,” Hill said in a statement.

希尔在一份声明中说：“我们发布这些文件的决定反映了提高透明度的承诺，超出了《信息自由法》（FOIA）的要求，同时也试图满足FOIA请求的精神。”

Coinbase had filed a Freedom of Information Act (FOIA) request with the FDIC in March 2023, seeking details about a reported 15% deposit cap on crypto-friendly banks by the regulator. The FDIC released relevant documents in December 2024, though they were heavily redacted. A less censored version was published on January 3, 2025.

Coinbase于2023年3月向FDIC提出了一项信息自由法（FOIA）的请求，搜索了有关监管机构对Crypto友好型银行的15％存款上限的详细信息。 FDIC于2024年12月发布了相关文件，尽管已大量编辑。 2025年1月3日发布了一个较少的审查版本。

Coinbase's Chief Legal Officer Paul Grewal noted that the uncensored version included two additional letters that were previously withheld by the FDIC.

Coinbase的首席法律官Paul Grewal指出，未经审查的版本包括FDIC以前扣留的另外两封信。

In a recent post on X, Grewal alleged that the FDIC is still withholding additional “pause letters” that could shed more light on the regulator's actions.

格雷瓦尔（Grewal）在最近的一篇关于X的文章中指出，FDIC仍在保留其他“停顿信”，这可能会使监管机构的行为更加阐明。

“We were right. The previous @FDICgov leadership lied to us all. There were many, many more pause letters. We are reviewing now–and so can you (link in thread). THANK YOU ACTING CHAIRMAN HILL,” Grewal wrote.

“我们是对的。以前的@fdicgov领导人对我们所有人撒谎。还有很多暂停字母。我们现在正在审查 - 您也可以（线程中的链接）。谢谢代理主席希尔，”格雷瓦尔写道。

According to Hill, the newly released documents reveal that requests from banks to offer crypto-related services were consistently met with resistance from the FDIC. In many cases, the regulator demanded additional information from banks and, in some instances, remained largely unresponsive for extended periods.

根据希尔的说法，新发布的文件显示，银行提供与加密相关服务的要求始终受到FDIC的抵抗。在许多情况下，监管机构要求银行提供其他信息，在某些情况下，长期存在很大程度上没有反应。

“Both individually and collectively, these and other actions sent the message to banks that it would be extraordinarily difficult — if not impossible — to move forward. As a result, the vast majority of banks simply stopped trying,” Hill stated in the press release.

“无论是单独和集体，这些和其他行动都向银行发送了消息，即前进将非常困难（即使不是不可能）。结果，绝大多数银行只是停止尝试。”希尔在新闻稿中说。

The FDIC employed a strategy in which it first sent banks a letter urging them to suspend crypto-related services and requesting more details. After receiving responses, the regulator would place the requests on hold, ultimately leading banks to abandon their crypto offerings.

FDIC采用了一种策略，其中首先向银行发送了一封信，敦促他们暂停与加密相关的服务并索取更多详细信息。收到答复后，监管机构将搁置请求，最终导致银行放弃其加密货币。

The documents indicate that the FDIC identified several key factors in its decision to halt crypto-related services. These included concerns over the volatility of Bitcoin (BTC), potential reputational risks for the banks involved, and the need to protect consumers from potential harm.

这些文件表明，FDIC决定停止与加密相关的服务的决定确定了几个关键因素。这些包括对比特币（BTC）波动率的关注点，有关银行的潜在声誉风险以及保护消费者免受潜在伤害的需求。