电信公司从内布拉斯加州银行和金融部收到具有里程碑意义的数字资产存放银行宪章

在一个具有里程碑意义的决定中，内布拉斯加州银行和金融部已将绿灯送给了电信公司，使其成为联邦政府的第一批联邦

The Nebraska Department of Banking and Finance has approved Telcoin, Inc., to become one of the first federally regulated digital asset depository banks in the United States under the Nebraska Financial Innovation Act (LB 1074, 2024).

根据内布拉斯加州金融创新法（LB 1074，2024），内布拉斯加州银行业和金融部已批准成为美国第一批受过联邦政府规范的数字资产存放银行之一。

This approval marks a significant milestone in the integration of digital assets into the traditional banking framework.

该批准标志着将数字资产集成到传统银行框架中的一个重要里程碑。

Telcoin’s application for this charter was accompanied by an extensive business plan, running into hundreds of pages with 29 appendices. This document, along with the detailed backgrounds of its directors and officers, demonstrated not only the adequacy but also the plausibility of Telcoin’s proposed operations.

电信公司申请此宪章的申请伴随着广泛的商业计划，分为数百页，上面有29个附录。该文件以及其董事和高级管理人员的详细背景不仅证明了电信公司拟议的行动的合理性，而且还证明了其合理性。

The plan articulates a vision where Telcoin will issue US dollar-backed stablecoins, which it refers to as “Digital Cash” or eUSD, to facilitate its safekeeping and seamless integration into mainstream financial systems using independent node verification networks.

该计划阐明了一个愿景，即电信公司将颁发以美元支持的稳定股份（它称为“数字现金”或EUSD），以促进其安全保存和无缝集成到主流金融系统中，并使用独立的节点验证网络。

The Digital Asset Depository Bank Charter approval was granted based on the assurance that Telcoin will operate safely and soundly.

根据保证电信公司将安全，精通运营的保证，授予了数字资产存放银行宪章批准。

Notably, the testimony of witnesses during the December 5, 2024, public hearing and the thoroughness of the business plan were pivotal in getting the approval.

值得注意的是，2024年12月5日的证人证词，公开听证会和商业计划的彻底性在获得批准方面至关重要。

To operate as a federally regulated digital asset depository bank within the US, Telcoin should maintain unencumbered liquid assets in US dollars, equivalent to 100% of the value of any outstanding stablecoins it issues, ensuring financial stability and consumer protection.

要作为美国境内的联邦数字资产存放银行运营，电信公司应以美元维持未限制的流动资产资产，相当于任何出色的稳定稳定IT IT问题的价值的100％，以确保财务稳定和消费者保护。

It must also adhere to stringent regulatory conditions, including providing a surety bond or pledge of assets worth $1 million and securing insurance for directors’ and officers’ liability, errors and omissions, as well as IT infrastructure, amounting to $10 million.

它还必须遵守严格的监管条件，包括提供价值100万美元的保证金或资产保证，并为董事和高级职员的责任，错误和遗漏以及IT基础设施确保保险，总计1000万美元。

Furthermore, all US currency received from customers must be held in FDIC-insured institutions in Nebraska, ensuring the safety of customer deposits.

此外，必须在内布拉斯加州的FDIC保险机构中持有所有从客户收到的US货币，以确保客户存款的安全。

Another notable aspect of Telcoin’s charter involves community engagement and education. The company has been tasked with maintaining a public file accessible to anyone, detailing its efforts in meeting community needs, including financial literacy programs for Nebraska students focusing on digital assets, budgeting, credit, and more.

电信公司宪章的另一个值得注意的方面涉及社区参与和教育。该公司的任务是维护任何人都可以访问的公共文件，详细介绍其在满足社区需求方面的努力，包括针对专注于数字资产，预算，信贷等的内布拉斯加州学生的金融扫盲计划。

Telcoin should also conspicuously display notices that digital asset deposits are not insured by the FDIC, alongside warnings about the inherent risks of holding digital assets.

电信公司还应明显地显示，FDIC并未对数字资产存款保险，并警告说持有数字资产的固有风险。

Also, Telcoin must use its full legal name, “Telcoin Bank, a Digital Asset Bank,” in all its official communications and branding, ensuring clarity and recognition in the market. The charter also stipulates that Telcoin must pay a charter fee of $50,000 and cover the costs associated with the approval hearing.

此外，电信公司必须在其所有官方通信和品牌上使用其完整的法定名称“电信银行，数字资产银行”，以确保市场上的清晰度和认可。该宪章还规定，电信公司必须支付50,000美元的租赁费，并支付与批准听证会有关的费用。

Furthermore, any material changes in Telcoin’s condition before it becomes fully operational could lead to the amendment, suspension, or withdrawal of the approval.

此外，电信因素状况充分运行之前的任何物质变化都可能导致批准的修正，暂停或撤回。

With these conditions met, Telcoin is set to commence operations, having the legal authority to issue stablecoins and leverage independent node verification networks for payment systems.

在满足这些条件的情况下，电信公司将开始运营，拥有签发Stablecoins并利用支付系统的独立节点验证网络的法律权限。

With this approval, the Nebraska Department of Banking and Finance has laid down a pathway for digital assets to coexist with traditional banking, focusing on safety, soundness, and consumer education.

经批准，内布拉斯加州银行和金融部已为数字资产与传统银行共存，重点关注安全，健全和消费者教育的途径。

The approval sets a precedent for how digital asset companies can operate within regulatory frameworks, potentially paving the way for further innovations in the financial sector.

该批准为数字资产公司如何在监管框架内运营，为金融领域的进一步创新铺平了道路。