FDIC提升加密批准规则

美国联邦存款保险公司（FDIC）已撤销其较早的命令，该命令要求银行在与加密货币接触之前获得批准

The U.S. Federal Deposit Insurance Corporation (FDIC) has canceled its earlier order that required banks to obtain the agency's approval. The new policy, announced on March 28, marks a significant shift from previous stances and may spur more banks to integrate cryptocurrency services without delay or denial.

美国联邦存款保险公司（FDIC）取消了其较早的命令，要求银行获得该机构的批准。这项新政策于3月28日宣布，标志着从以前的立场发生了重大转变，并可能刺激更多的银行集成加密货币服务，而不会延迟或否认。

Announcing the cancellation of FIL-16-2022, (2022 Regulation) that mandated that banks first seek permission from the FDIC to engage in cryptocurrency-related activity, the ruling allows banks supervised by the FDIC to offer cryptocurrency services without seeking the FDIC approval provided that there is effective risk management.

该裁决宣布取消FIL-16-2022（2022年法规），该法规要求银行首先寻求FDIC的许可以从事与加密货币相关的活动，因此该裁决允许FDIC监督的银行提供加密货币服务，而无需寻求FDIC，而无需寻求有效的风险管理。

The regulation reads, "This FIL affirms that FDIC-supervised institutions may engage in permissible activities, including activities involving new and emerging technologies such as crypto-assets and digital assets, provided that they adequately manage the associated risks. The FDIC expects that FDIC-supervised institutions will conduct all activities in a safe and sound manner and in accordance with all applicable laws and regulations."

该法规写道：“该文件申明，FDIC监督的机构可能会从事允许的活动，包括涉及新技术和新兴技术的活动，例如加密资产和数字资产，只要它们可以充分地管理相关风险。FDIC期望FDIC预计FDIC的机构将在所有活动中进行所有活动，并适用于所有的活动，并适用于安全和一致的行为，并在安全和声音方面进行。

The FDIC’s acting chairman, Travel Hill is quoted saying that, "With today's action, the FDIC is turning the page on the flawed approach of the past three years. I expect this to be one of several steps the FDIC will take to lay out a new approach for how banks can engage in crypto- and blockchain-related activities in accordance with safety and soundness standards."

FDIC的代理主席Travel Hill引用了话说：“通过今天的行动，FDIC正在将页面翻上过去三年的有缺陷的方法。我希望这是FDIC将采取新方法来制定银行可以从事加密货币和块与块关系的新方法的几个步骤之一。”

This new guidance came shortly after President Donal Trump came out with a much awaited federal order that instructed strengthening America’s foothold in digital assets and making friendly friendly policies to establish digital asset stockpiles. The purpose of the policy according to the executive order is “to support the responsible growth and use of digital assets, blockchain technology, and related technologies across all sectors of the economy.”

这项新的指导是在总统唐纳尔·特朗普（Donal Trump）提出了一项期待已久的联邦命令之后不久，指示加强美国在数字资产方面的立足点，并制定友好的政策来建立数字资产库存。根据行政命令的政策目的是“支持经济各个领域的数字资产，区块链技术及相关技术的负责任增长和使用”。

Greater Regulatory Clarity Encourages Banking Participation

更大的监管清晰度鼓励银行参与

With fewer regulations in the way, banks can now be more inclined to provide crypto services such as stablecoin payments, blockchain transactions, and safe crypto storage. Previously, most large banks avoided crypto because the regulations were not clear. But with the new move by the FDIC, they now feel confident to venture into digital assets. Many experts believe that more transparent regulations will prompt more banks to provide crypto services. This would introduce a much greater amount of money into the digital asset economy.

随着法规的较少，银行现在可以更倾向于提供加密服务，例如稳定付款，区块链交易和安全的加密货币存储。以前，大多数大型银行避免了加密，因为法规尚不清楚。但是，随着FDIC的新举动，他们现在有信心冒险进入数字资产。许多专家认为，更透明的法规将促使更多的银行提供加密服务。这将向数字资产经济带来更多的资金。

In a statement praising the move, the President and CEO of American Bankers Association, Rob Nixon said: "We welcome FDIC’s new guidance allowing supervised institutions to engage in permissible crypto-related activities without receiving prior FDIC approval. This important step removes an obstacle that led banks to engage more cautiously in the digital asset market, which has prevented customers from obtaining innovative products and services through their trusted bank relationships. America’s banks are actively evaluating ways to compete safely and responsibly across the financial services ecosystem, and this type of regulatory clarity is critical to enhancing innovation in the space. We look forward to our continued collaboration with the FDIC and the other banking agencies as they work to issue further guidance in this rapidly developing marketplace."

美国银行家协会的主席兼首席执行官罗布·尼克松（Rob Nixon）在赞美这一举动的声明中说：“我们欢迎FDIC的新指导，允许受监督的机构从事允许的隐秘活动，而无需获得事先的FDIC批准。这一重要步骤不接受事先的障碍来消除使银行在数字化市场中更加谨慎地从事企业的企业，从而阻止了他们的数字化市场，从而使他们的业务不断发展，从而使他们的业务不断发展，从而使他们的业务不断发展。积极评估在整个金融服务生态系统中安全和负责任的方法，这种类型的监管清晰度对于增强该领域的创新至关重要。

This move by the FDIC indicates that the government is warming up to new concepts in digital finance. Now that there are fewer barriers in front of them, banks can now venture into crypto services, and these may open up more choices and advantages to the common consumer. Banks, however, must still exercise caution and mitigate risks while venturing into new ground. In short, although this is a thrilling move forward, we all must keep a close eye as digital banking continues to grow.

FDIC的这一举动表明，政府正在升温数字融资中的新概念。既然他们面前的障碍更少了，银行现在可以冒险进入加密服务，这些服务可能会为普通消费者提供更多的选择和优势。但是，银行仍然必须谨慎行事并减轻风险，同时冒险进入新的地面。简而言之，尽管这是一个激动人心的举动，但随着数字银行业务的不断增长，我们所有人都必须密切关注。