美國銀行體系已正式準備進行數字發展，因為OCC確認其準備支持區塊鏈，穩定幣和加密貨幣驅動的金融服務。

監督國家銀行和聯邦儲蓄協會的聯邦機構貨幣審計長辦公室（OCC）重申了其在銀行部門採用加密貨幣方面的立場

The U.S. banking system is officially primed for a digital evolution as the OCC confirms its readiness to support blockchain, stablecoins, and crypto-powered financial services.

美國銀行體系已正式準備進行數字發展，因為OCC確認其準備支持區塊鏈，穩定幣和加密貨幣驅動的金融服務。

The Office of the Comptroller of the Currency (OCC) has stated that the federal banking system is well positioned to engage in digital asset activities.

貨幣審計長辦公室（OCC）表示，聯邦銀行體係有能力從事數字資產活動。

“OCC Interpretive Letters 1183 and 1184 clarify and confirm national banks may engage in certain crypto-asset activities, provided they do so in a safe, sound and fair manner,” the regulator shared on Saturday via X.

監管機構在周六通過X分享說：“ OCC解釋信1183和1184澄清並確認國家銀行可以從事某些加密資產活動，只要他們以安全，合理和公正的方式進行。”

The agency’s statement highlights its broader recognition that digital assets are transforming financial services and require clear regulatory engagement.

該機構的聲明強調了其更廣泛的認識，即數字資產正在轉變金融服務，需要明確的監管參與。

In March 2025, the OCC issued Interpretive Letter 1183, affirming that national banks and federal savings associations may engage in crypto-asset custody, hold stablecoin reserves, and participate in distributed ledger networks for payment activities. This letter cancels Interpretive Letter 1179, removing the prior need for supervisory non-objection before engaging in these activities.

2025年3月，OCC發出了解釋性信1183，確認國家銀行和聯邦儲蓄協會可以從事加密資產管理，持有穩定的儲備，並參與分佈式分類帳網絡進行付款活動。這封信取消了解釋性信1179，在從事這些活動之前，取消了先前對監督性非敬意的需求。

Later, in May 2025, the OCC issued Interpretive Letter 1184, detailing that national banks and federal savings associations are authorized to provide crypto-asset custody services, encompassing buying and selling assets held in custody at the customer’s request.

後來，在2025年5月，OCC發出了解釋性信1184，詳細介紹了國家銀行和聯邦儲蓄協會被授權提供加密資產管理保管服務，包括應客戶要求持有的買賣資產。

Together, the two letters provide a structured framework for banks to explore blockchain-based services.

這兩個字母共同為銀行提供了一個結構化框架，以探索基於區塊鏈的服務。

“More than 50 million Americans now hold some form of cryptocurrency, and digital assets continue to represent hundreds of billions in financial activity,” said Acting Comptroller of the Currency Rodney E. Hood.

“現在有超過5000萬美國人擁有某種形式的加密貨幣，數字資產繼續代表了數百萬美元的金融活動，”貨幣貨幣Rodney E. Hood的代理審計長說。

“The digitalization of financial services is not a trend—it is a transformation.”

“金融服務的數字化不是趨勢，而是一種轉變。”

While some critics see crypto exposure as a potential risk factor for financial stability, proponents view the OCC’s focused attention and interpretive guidance as crucial for responsible innovation. They argue that providing a defined framework encourages traditional banking institutions to safely explore blockchain technologies. This support, they add, is key for modernization efforts and expanding access to new financial instruments.

儘管一些批評家將加密貨幣視為財務穩定性的潛在風險因素，但支持者認為OCC的集中註意力和解釋性指導是對負責任創新的至關重要的。他們認為，提供定義的框架鼓勵傳統的銀行機構安全探索區塊鏈技術。他們補充說，這種支持是現代化工作和擴大新金融工具的訪問的關鍵。