提供加密货币交易的瑞士在线银行 FlowBank 已被关闭并宣布破产

FlowBank 是一家从事加密货币交易的瑞士银行，与许多加密平台有联系，例如 TrueUSD 稳定币发行商 Techteryx

FlowBank, a Swiss online bank that offered cryptocurrency trading services, has been declared bankrupt after the country's financial regulator found it had breached operational standards.

FlowBank是一家提供加密货币交易服务的瑞士在线银行，在该国金融监管机构发现其违反运营标准后已被宣布破产。

FlowBank, which was established in 2020 and had ties to several crypto platforms, including TrueUSD stablecoin issuer Techteryx, crypto asset manager CoinShares, and reportedly Binance, was ordered to shut down on Thursday.

FlowBank 成立于 2020 年，与多个加密平台有联系，包括 TrueUSD 稳定币发行商 Techteryx、加密资产管理公司 CoinShares 以及据称还有币安 (Binance)，该公司于周四被勒令关闭。

According to a statement from the Swiss Financial Market Supervisory Authority (FINMA) on June 13, FlowBank had breached the standards required for it to operate as a bank and no longer had the minimum capital required for its business operations.

根据瑞士金融市场监管局（FINMA）6月13日的声明，FlowBank违反了银行运营所需的标准，不再具备其业务运营所需的最低资本。

The regulatory body also noted that there were concerns that FlowBank owed more money than it had, making it financially unstable and unable to be saved or reorganized.

监管机构还指出，有人担心 FlowBank 欠下的钱比实际情况多，导致其财务不稳定，无法挽救或重组。

"As a result of the bankruptcy, FlowBank can no longer provide any services. In particular, it can no longer accept or execute any payment orders," the statement read.

声明中写道：“由于破产，FlowBank 无法再提供任何服务。特别是，它无法再接受或执行任何支付指令。”

FlowBank declared bankruptcy on the morning of June 13, and all services provided by the bank were rendered inaccessible.

FlowBank于6月13日上午宣布破产，该银行提供的所有服务都无法访问。

According to reports, the bank had assets valued at $760 million (CHF 680 million), managed over 22,000 client accounts, and employed around 140 staff members worldwide.

据报道，该银行拥有价值 7.6 亿美元（6.8 亿瑞士法郎）的资产，管理着 22,000 多个客户账户，并在全球雇用了约 140 名员工。

In June 2023, FINMA hired a supervisor to investigate FlowBank's financial activities and determine its compliance failures.

2023 年 6 月，FINMA 聘请了一名主管来调查 FlowBank 的财务活动并确定其合规失败情况。

The investigation revealed that FlowBank had engaged in numerous higher-risk business relationships and processed large financial transactions without conducting proper due diligence, violating regulatory standards.

调查显示，FlowBank 在未进行适当尽职调查的情况下参与了大量高风险业务关系并处理了大额金融交易，违反了监管标准。

After discovering the breaches, FINMA ordered FlowBank to withdraw its banking license on March 8, 2024. However, this decision is being appealed at the Federal Administrative Court and has not yet become final.

发现违规行为后，FINMA 于 2024 年 3 月 8 日下令 FlowBank 撤销其银行执照。不过，该决定正在向联邦行政法院提出上诉，尚未成为最终决定。