金融技术和加密公司正在申请州或国家银行宪章

“我们已经看到了更多的兴趣。我们现在正在研究多个应用

Financial technology and crypto firms are applying for state or national bank charters in a move that could expand their business and operating footprint, according to industry executives, who report a notable uptick in charter discussions and applications.

据行业高管称，金融技术和加密企业正在申请州或国家银行宪章，以扩大其业务和运营足迹，他们报告了宪章讨论和申请的显着提升。

"We have seen a lot more interest. We are working on several applications now," said Alexandra Steinberg Barrage, a partner at law firm Troutman Pepper Locke, told Reuters. However, firms are being "cautiously optimistic" as regulatory agency leadership changes unfold.

律师事务所Troutman Pepper Locke的合伙人Alexandra Steinberg Barrage说：“我们已经看到了更多的兴趣。我们现在正在研究多个申请。”但是，随着监管机构领导的变化，公司正在“谨慎乐观”。

This year has seen a surprising surge in bank charter applications, contrasting with the previous lull. The shift coincides with the Trump administration's more crypto-friendly stance and the evolving regulatory landscape.

今年的银行宪章申请激增，与先前的平息形成鲜明对比。这一转变恰逢特朗普政府对加密友好的立场和不断发展的监管格局。

Typically, becoming a bank subjects firms to stricter regulatory oversight, which can be a deterrent. However, it can also reduce borrowing costs and enhance legitimacy. Bank charters allow firms to lower their cost of capital by accepting deposits, yet accessing these is a major point of contention in the crypto community.

通常，成为一家银行对象公司进行更严格的监管监督，这可能是一种威慑。但是，它还可以降低借贷成本并提高合法性。银行宪章允许公司通过接受存款来降低其资本成本，但获得这些是加密货币社区的主要争议点。

For some time now, various cryptocurrency firms have resisted becoming banks due to the regulatory oversight that comes with it, choosing instead to follow the industry's ethos to further decentralize and improve access to financial services to unbanked or underbanked individuals.

一段时间以来，由于随之而来的监管监督，各种加密货币公司已经抗拒成为银行，而是选择遵循行业的精神，以进一步分散并改善获得金融服务的机会，从而对未账户或不受欢迎的个人进行账户。

However, several cryptocurrency firms, including Paxos, Anchorage, and Protego have become federally regulated crypto 'banks' after securing a federal trust charter through the U.S. Office of the Comptroller of the Currency (OCC).

但是，包括Paxos，Achonage和Protego在内的几家加密货币公司在通过美国货币计算机办公室获得联邦信托章程后，已成为联邦监管的加密“银行”（OCC）。

Clocktower Technology Ventures completed a $483 million merger with Health Insurance Innovations to form a blank-check firm, and Sygnum obtained a Swiss bank charter and secured $58 million in funding to become a unicorn.

ClockTower Technology Ventures与健康保险创新合并了4.83亿美元，以组成一家空白的检查公司，Sygnum获得了瑞士银行宪章，并获得了5800万美元的资金，成为独角兽。

Meanwhile, Kraken and Avanti have secured Special Purpose Depository Institution charts in Wyoming, making them state-regulated crypto banks.

同时，Kraken和Avanti在怀俄明州获得了特殊目的的存放机构图表，使其成为国家监管的加密货币银行。

Historically, new bank charters have been rare. Between 2010 and 2023, regulators approved an average of only five annually, compared to 144 per year from 2000 to 2007, according to S&P Global.

从历史上看，新的银行宪章很少见。根据标准普尔Global的数据，在2010年至2023年之间，监管机构平均每年仅批准五个，而2000年至2007年为每年144个。

Applications dwindled due to low interest rates, profitability concerns, and regulatory hurdles. The Federal Deposit Insurance Corporation (FDIC) and Federal Reserve officials have signaled support for streamlining the process. However, setting up a new bank remains expensive, with costs ranging from $20 million to $50 million, according to the report.

由于利率低，利润率和监管障碍，申请逐渐减少。联邦存款保险公司（FDIC）和美联储官员表示支持简化该过​​程。但是，建立一家新银行仍然昂贵，成本在2000万美元到5000万美元不等。