Circle的大膽舉動：美國信託銀行的USDC和Stablecoins的未來

Circle申請美國信託銀行憲章，標誌著USDC和更廣泛的Stablecoin行業的關鍵時刻，可能會重塑監管景觀。

Circle's Bold Move: A US Trust Bank for USDC and the Future of Stablecoins

Circle的大膽舉動：美國信託銀行的USDC和Stablecoins的未來

Circle, the issuer of USDC, is making waves with its application to establish a national trust bank. This move could redefine how stablecoins are regulated and operated in the US, especially with the GENIUS Act on the horizon.

USDC的發行人Circle隨著其建立國家信託銀行的應用而引起了轟動。這一舉動可以重新定義在美國如何調節和操作的穩定劑，尤其是在《天才法案》中。

What's the Big Deal?

有什麼大不了的？

Circle's application to the Office of the Comptroller of the Currency (OCC) to form a federally regulated national trust bank is a strategic play. If approved, Circle's First National Digital Currency Bank would oversee the custody of USDC reserves and offer services to institutions, all under the watchful eye of the OCC. This aligns Circle with traditional financial institutions and could streamline operations across state lines, sidestepping the need for individual state licenses.

Circle在貨幣審計體辦公室（OCC）的辦公室申請形成聯邦監管的國家信託銀行是一項戰略性的作用。如果獲得批准，Circle的第一家國家數字貨幣銀行將監督USDC儲備的監護權，並向機構提供服務，所有這些都在OCC的關注下。這使圈子與傳統的金融機構保持一致，並可以簡化跨州線路的運營，從而避開了對各個國家許可的需求。

Key Benefits of a National Trust Bank

國家信託銀行的主要好處

• Federal Oversight: Direct regulation by the OCC ensures compliance and stability.
• Nationwide Operations: No need for separate licenses in each state, simplifying expansion.
• Institutional Services: Offering regulated digital asset custody services to institutions.
• GENIUS Act Compliance: Aligning with potential requirements under the GENIUS Act.

Circle's Vision

圈子的願景

Circle CEO Jeremy Allaire emphasizes that this move is about strengthening USDC infrastructure and aligning with emerging US regulations for dollar-denominated stablecoins. He believes this can enhance the reach and resilience of the US dollar and support crucial market-neutral infrastructure for leading institutions.

Circle首席執行官Jeremy Allaire強調，這一舉動是關於加強USDC基礎設施，並與新興的以美元計價的Stablecoins的規定保持一致。他認為，這可以提高美元的覆蓋範圍和韌性，並為領先機構提供關鍵的市場基礎設施​​。

Who Else Is in the Game?

遊戲中還有誰？

Circle isn't alone. Other crypto firms, including Fidelity's digital currency arm, are also eyeing national bank charters. Anchorage Trust Company already paved the way, becoming the first crypto firm to receive a license from the OCC in January 2021.

圈子並不孤單。其他加密公司，包括富達的數字貨幣部門，也在關注國家銀行憲章。 Anchorage Trust Company已經鋪平了道路，成為2021年1月從OCC獲得許可證的第一家加密貨幣公司。

My Take

我的看法

This move by Circle is a smart one. By proactively seeking federal oversight, Circle is positioning itself as a leader in the stablecoin space. The GENIUS Act, if passed, will create new guardrails for stablecoins, and Circle is getting ahead of the curve. It's like they're saying, "We're not just playing the game; we're helping write the rules."

這一舉動是聰明的。通過積極尋求聯邦監督，圈子將自己定位為Stablecoin領域的領導者。 《天才法案》（如果通過）將為Stablecoins創建新的護欄，而Circle則領先於曲線。就像他們在說：“我們不僅在玩遊戲；我們正在幫助編寫規則。”

Looking Ahead

展望未來

The OCC has a 30-day comment period for Circle's application and typically decides within 120 days after receiving a complete application. Keep an eye on this space – it's shaping up to be a pivotal moment for stablecoins and the future of finance.

OCC在Circle的申請中有30天的評論期，通常在收到完整申請後的120天內決定。密切關注這個空間 - 它正在成為穩定幣和財務未來的關鍵時刻。

So, what's next? Grab some popcorn and watch as Circle potentially revolutionizes the stablecoin landscape. It's gonna be a wild ride!

那麼，下一步是什麼？抓住一些爆米花，看著Circle可能徹底改變了Stablecoin景觀。這將是一個瘋狂的旅程！