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数字资产友好型贷款机构 Silvergate Bank 的母公司 Silvergate Capital Corp. 已根据美国破产法第 11 章向美国法院申请破产保护。
Silvergate Capital Corp. (NYSE:SI), the parent company of digital asset-friendly lender Silvergate Bank, has filed for Chapter 11 bankruptcy protection at a U.S. court.
Silvergate Capital Corp.(纽约证券交易所股票代码:SI)是数字资产友好型贷款机构 Silvergate Bank 的母公司,已根据美国破产法第 11 章向美国法院申请破产保护。
The bank entered liquidation in March 2023, announcing that it would wind down operations and repay all deposits in the aftermath of the FTX contagion.
该银行于 2023 年 3 月进入清算阶段,宣布将在 FTX 疫情蔓延后结束业务并偿还所有存款。
In its filing at the United States Bankruptcy Court for the District of Delaware, Silvergate Capital revealed that it has no remaining lines of business and pledged to repay creditors using the remaining cash.
Silvergate Capital 在向美国特拉华州破产法院提交的文件中透露,该公司没有剩余业务,并承诺使用剩余现金偿还债权人。
After repaying the depositors, the company will have $163 million in cash. It will use $18 million from this stash to repay bondholders and divide the rest among the stakeholders. However, it doesn’t intend to repay common stockholders.
偿还储户后,公司将拥有1.63亿美元现金。它将用这笔资金中的 1800 万美元偿还债券持有人,并将其余部分分配给利益相关者。然而,它并不打算偿还普通股股东。
Silvergate was one of the American banks that capitalized on the rise of digital currency, growing its deposits from less than $2 billion in 2019 to $14 billion two years later. It became the bank of choice for companies like Circle, which held $3.3 billion in USDC reserves at the bank.
Silvergate 是利用数字货币崛起的美国银行之一,其存款从 2019 年的不到 20 亿美元增加到两年后的 140 亿美元。它成为 Circle 等公司的首选银行,Circle 在该银行持有 33 亿美元的 USDC 储备。
By 2021, digital asset deposits at Silvergate Bank accounted for a staggering 98% of the bank’s overall deposits. Then came the FTX collapse in November 2022, which impacted the direct deposits by the exchange and sparked a bank run that saw clients withdraw over $8 billion in weeks.
到2021年,Silvergate银行的数字资产存款占该银行整体存款的比例达到惊人的98%。随后,FTX 在 2022 年 11 月崩溃,影响了该交易所的直接存款,并引发了银行挤兑,导致客户在几周内提取了超过 80 亿美元。
Silvergate exec: Regulators pushed us out of business
Silvergate 高管:监管机构让我们破产
While its tie-up with digital currency has been cited as its downfall, one Silvergate executive has blamed the bank’s collapse on federal regulators.
尽管与数字货币的合作被认为是该银行垮台的原因之一,但 Silvergate 的一位高管将该银行的倒闭归咎于联邦监管机构。
In an accompanying filing, Chief Administrative Officer Elaine Hetrick narrowed the company’s woes to a push by regulators in early 2023 to tighten their regulatory grip on ‘crypto’ banks.
在随附的一份文件中,首席行政官 Elaine Hetrick 将公司的困境缩小到监管机构在 2023 年初推动加强对“加密”银行的监管控制。
In February, the U.S. Fed, the OCC, and the FDIC released a joint statement claiming that banks with digital asset exposure may face heightened liquidity risk.
今年 2 月,美联储、OCC 和 FDIC 发布联合声明,声称拥有数字资产敞口的银行可能面临更高的流动性风险。
“The increased supervisory pressure on Silvergate Bank and other banks focused on servicing crypto-asset businesses forced Silvergate Bank to a point where it would have needed to remake its business model away from its focus on crypto-asset businesses, seek to sell itself as a going concern in the shadow of the regulatory overhang or begin winding down its affairs with the goal of preserving as much value as possible for stakeholders,” Hetrick wrote in the filing.
“Silvergate 银行和其他专注于为加密资产业务提供服务的银行面临的监管压力不断增加,迫使 Silvergate 银行不得不重塑其业务模式,不再专注于加密资产业务,而是寻求将自己推销为一家赫特里克在文件中写道:“在监管悬而未决的阴影下继续经营,或者开始逐步结束其事务,以期为利益相关者保留尽可能多的价值。”
Hetrick insists that, before this statement, Silvergate had been able to absorb the shock of the FTX collapse, including by cutting 40% of its staff and suspending capital-intensive services. However, the statement affected investors’ confidence, and the ensuing bank run dealt a massive blow to the bank, she said.
Hetrick 坚称,在发表此声明之前,Silvergate 已经能够吸收 FTX 崩溃的冲击,包括裁员 40% 并暂停资本密集型服务。然而,该声明影响了投资者的信心,随后发生的银行挤兑对银行造成了巨大打击,她说。
Hetrick added that Silvergate’s closure indicates the U.S. federal regulators’ anti-digital asset stance. She quoted Barney Frank, a former congressman and director of Signature Bank—yet another defunct crypto-friendly bank—who claimed that “regulators wanted to send a very strong anti-crypto message.”
Hetrick 补充道,Silvergate 的关闭表明了美国联邦监管机构的反数字资产立场。她引用了前国会议员兼 Signature Bank(另一家已解散的加密友好银行)董事 Barney Frank 的话,他声称“监管机构希望发出非常强烈的反加密信息。”
A year after its collapse, federal regulators filed charges against Silvergate, accusing it of lax KYC and AML structures, which allowed over $1 trillion to be transferred through its 24/7 Silvergate Exchange Network (SEN) without monitoring for suspicious transactions.
Silvergate 倒闭一年后,联邦监管机构对 Silvergate 提出指控,指责其 KYC 和 AML 结构松懈,导致超过 1 万亿美元通过其 24/7 Silvergate 交易网络 (SEN) 进行转移,而没有监控可疑交易。
The top brass also faced charges for misleading investors about the bank’s compliance with the Bank Secrecy Act and its losses from FTX-related debt securities sales. The SEC proved that the management was aware of the deficiencies, with Kathleen Fraher, the chief risk officer, allegedly infamously stating, “We have known of this issue and either we have established other controls to account for it or we haven’t, and we have to take our lumps.”
高管们还因在该银行遵守《银行保密法》以及 FTX 相关债务证券销售损失方面误导投资者而面临指控。 SEC 证明管理层意识到了这些缺陷,首席风险官凯瑟琳·弗拉赫 (Kathleen Fraher) 据称曾臭名昭著地表示:“我们已经知道这个问题,要么我们已经建立了其他控制措施来解决这个问题,要么我们还没有,并且我们必须克服困难。”
To settle the charges with the SEC, Silvergate forked out $50 million in penalties. It also paid $43 million to settle similar charges filed by the Fed and $20 million to the California Department of Financial Protection and Innovation.
为了与 SEC 达成和解,Silvergate 支付了 5000 万美元的罚款。它还支付了 4300 万美元来和解美联储提出的类似指控,并向加州金融保护和创新部支付了 2000 万美元。
Watch: Teranode & the Web3 world with edge-to-edge electronic value system
观看:Teranode 和具有边缘到边缘电子价值系统的 Web3 世界
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