美国货币主计算员办公室（OCC）允许银行从事加密货币业务

美国货币审计长办公室（OCC）已转移了一项重大政策，该政策将允许银行在没有监管机构许可的情况下开展加密货币业务。

The US Office of the Comptroller of the Currency (OCC) has made a decisive move by shifting a significant policy that will permit banks to engage in crypto activities without needing prior approval from regulators. This action directly contradicts the Biden administration's efforts to impose restrictions on such activities and marks a return to the Trump administration's pro-crypto stance.

美国货币审计长办公室（OCC）通过转移一项重大政策，将允许银行从事加密活动而无需事先获得监管机构的批准，从而做出了决定性的行动。这项行动直接与拜登政府对此类活动施加限制的努力相矛盾，并标志着返回特朗普政府的亲克赖特托立场。

Announced on Friday, the move will modify an existing 2023 proposal and eliminate the requirement for banks to seek permission from the OCC to provide crypto services, such as trading, custody, and digital asset banking. However, banks will still be subject to the usual risk management protocols and will be expected to manage the risks associated with crypto activities.

此举于周五宣布，将修改现有的2023年提案，并消除银行寻求OCC许可以提供加密服务（例如交易，监护权和数字资产银行业务）的要求。但是，银行仍将遵守通常的风险管理协议，并有望管理与加密活动相关的风险。

"Today’s action will lessen the burden on banks and provide for consistent treatment of crypto activities, regardless of the technology. We will continue to work with our colleagues across the government and in the industry to ensure that the U.S. financial system remains competitive and innovative in the rapidly evolving landscape of digital assets," explained Rodney Hood, acting comptroller, in a prepared statement.

Rodney Hood在准备好的陈述中，ACT Nearking Comptroller中解释说：“无论技术如何，今天的行动都将减轻银行的负担，并提供对加密活动的一致处理。我们将继续与整个政府和行业的同事合作，以确保美国金融体系在数字资产的快速发展的景观中保持竞争力和创新性。”

The move comes as crypto companies, such as Coinbase (NASDAQ:COIN), have also been pressing for greater regulatory clarity. The exchange has already sought and gained approval for banks to offer crypto custody and trading services.

此举是因为Coinbase（NASDAQ：COIN）等加密公司也一直在敦促更大的监管清晰度。该交易所已经寻求并获得了银行提供加密货币保管和交易服务的批准。

Coinbase chief legal officer Paul Grewal welcomed the development, stating that "any new class of asset or technology presents unique legal and regulatory issues that must be addressed." He added, "This step by the OCC is a positive one in setting forth clear expectations and guidelines for institutions operating in this space."

Coinbase首席法律官Paul Grewal欢迎这一开发项目，并指出：“任何新的资产或技术都会提出必须解决的独特法律和监管问题。”他补充说：“ OCC的这一步骤是为在这个领域开展的机构的明确期望和准则的积极目标。”

Highlighting the broader context, Grewal further noted, "We are encouraged to see several regulators taking steps to provide clarity in crypto. It seems like eons ago—but it was just last year that the SEC was threatening to shut down crypto trading and custody outright. Now, several agencies are granting national banks limited ability to perform these activities."

格雷瓦尔（Grewal）进一步指出：“鼓励我们看到几个监管机构正在采取措施在加密货币方面提供清晰度。这似乎是前面的。但正是去年，SEC威胁要直接关闭加密货币交易和托管。

The action also follows a period of the U.S. Securities and Exchange Commission (SEC) becoming more crypto-friendly under Mark Uyeda. The SEC recently dropped suits against leading crypto firms like Kraken and OpenSea, signaling a shift towards more open regulations. The agency also ended its lengthy court battle with Coinbase, further cementing this policy trend.

该诉讼还遵循美国证券交易委员会（SEC）在马克·乌耶达（Mark Uyeda）下变得更加加密友好的时期。 SEC最近对Kraken和Opensea等领先的加密货币公司制定了诉讼，这表明向更开放的法规转变。该机构还结束了与Coinbase的漫长法庭战斗，进一步巩固了这一政策趋势。

While the OCC pulled back and the Trump regime went all-in on crypto, the industry is waiting to be integrated with mainstream finance. Newly appointed "AI & Crypto Czar" David Sacks has done much of this heavy lifting in Trump's ranks to get the ball rolling. For instance, he got a 2019 SEC regulation repealed that regarded cryptos held by a bank in its balance sheet as "liabilities." This ruling had posed a significant obstacle to financial institutions engaging with crypto due to the limited classes of assets they are permitted to hold on their balance sheets.

当OCC退后一步，而特朗普政权全力以赴，但该行业正在等待与主流财务融合。新任命的“ AI＆Crypto Czar”大卫·萨克斯（David Sacks）在特朗普的队伍中做了很多繁重的举重，以使球滚动。例如，他获得了一项2019年SEC法规，该法规被废除，该法规被银行在其资产负债表中持有的加密货币为“负债”。由于允许他们持有资产负债表的资产有限，因此这项裁决对与加密货币的互动构成了重大障碍。

Despite the legal and regulatory hurdles, several institutions have already begun venturing into the crypto space. For instance, Northern Trust has launched a digital asset custody service, and State Street is offering blockchain-based trade processing services.

尽管有法律和监管障碍，但一些机构已经开始冒险进入加密货币领域。例如，北方信托基金（Northern Trust）推出了数字资产监护服务，而州街（State Street）则提供基于区块链的贸易处理服务。

However, even with regulators giving the all-clear and institutions beginning to take the initiative, there are still hurdles to overcome. Banks will need to manage the usual risk management burden imposed by regulators and adjust to the evolving demands of the crypto ecosystem. Furthermore, large financial institutions may not necessarily be inclined to embrace crypto due to legal and market unpredictability.

但是，即使监管机构赋予全能和机构开始采取行动，仍然有要克服的障碍。银行将需要管理监管机构施加的通常的风险管理负担，并适应加密生态系统的不断发展的需求。此外，由于法律和市场不可预测性，大型金融机构可能不一定倾向于接受加密货币。

The OCC's ruling is a pivotal moment in the unfolding narrative of crypto banking, setting the stage for greater institutional adoption. Yet, the long-term impact will depend on how banks and regulators choose to shape the next generation of financial innovation in this rapidly changing landscape.

OCC的裁决是加密货币银行叙事的关键时刻，为更大的机构采用奠定了基础。然而，长期影响将取决于银行和监管机构如何选择在这种快速变化的景观中塑造下一代金融创新。