Circle的國家信託銀行申請：紐約加密法規的一分鐘

Circle對國家信託銀行憲章的追求信號表明加密貨幣準備通過擁抱財務框架來準備更廣泛的機構採用。

Circle's big move to snag a national trust bank charter from the US OCC is shaking things up in the crypto world. Let's break down what this means.

Circle從美國OCC中搶購國家信託銀行憲章的重大舉措正在搖動加密貨幣世界。讓我們分解這意味著什麼。

Circle's Bold Move: A National Trust Bank

Circle的大膽舉動：國家信託銀行

On July 1, 2025, Circle threw its hat in the ring, applying to the U.S. Office of the Comptroller of the Currency (OCC) to create a national trust bank. Dubbed First National Digital Currency Bank, this entity would manage reserves for Circle’s USDC stablecoin right here in the United States. Think of it as Circle going legit, aiming for that federal stamp of approval.

2025年7月1日，Circle將其帽子戴上了戒指，申請了美國貨幣審計長（OCC）的美國辦公室創建國家信託銀行。該實體被稱為第一國數字貨幣銀行，將管理Circle在美國的Circle USDC Stablecoin的儲備。將其視為合法的圈子，以尋求聯邦認可的郵票。

Why a National Trust Bank?

為什麼是國家信託銀行？

Circle isn't just doing this for kicks. A national trust bank would operate under federal oversight, offering custodial services without getting into the messy business of loans or deposits. According to Circle CEO Jeremy Allaire, this simplifies compliance, ditching the need for a patchwork of state-based money licenses. It's like trading in a MetroCard for an unlimited pass – way more convenient.

Circle不僅僅是為了踢而這樣做。國家信託銀行將在聯邦監督下運營，提供監護服務，而不會進入貸款或存款的混亂業務。根據Circle首席執行官Jeremy Allaire的說法，這簡化了合規性，拋棄了對基於州的貨幣許可證的拼湊而成。這就像在一個大都會牌中交易以獲取無限通行證一樣 - 更方便。

The GENIUS Act Connection

天才行為的聯繫

Here's where it gets interesting. Circle's application is all about prepping for the GENIUS Act, which is making its way through Congress. This legislation sets national rules for stablecoins like USDC. By getting ahead of the game, Circle aims to meet these emerging federal standards. It's like studying for a test way in advance – you're bound to ace it.

這是有趣的地方。 Circle的應用是為了準備《天才法》，該法案正在通過國會進行。這項立法制定了像USDC這樣的Stablecoins的國家規則。通過領先遊戲，Circle的目標是達到這些新興的聯邦標準。這就像提前學習測試方式一樣 - 您一定會喜歡它。

Circle's Stock and Market Reaction

Circle的庫存和市場反應

After a strong debut on June 5, 2025, Circle Internet Group stock (CRCL) has seen some ups and downs. While the stock initially surged, it has since stabilized, with daily price swings. Circle's pursuit of a national trust bank charter signals that crypto is readying for broader institutional adoption by embracing existing financial regulatory frameworks.

在2025年6月5日出色的首次亮相之後，Circle Internet Group Stock（CRCL）看到了一些起伏。儘管該股票最初飆升，但自那以後，每日價格波動就穩定了。 Circle追求國家信託銀行憲章信號，即加密貨幣準備通過採用現有的金融監管框架來準備更廣泛的機構採用。

Other Players in the Game

遊戲中的其他玩家

Circle isn't alone in this race. Other crypto companies, including Fidelity's digital asset unit, are also eyeing national trust bank status. Anchorage Trust Company paved the way, getting OCC approval back in 2021 and becoming Anchorage Digital Bank. It seems everyone wants a piece of the federally regulated pie.

在這場比賽中，圈子並不孤單。包括Fidelity的數字資產單位在內的其他加密公司也在關注國家信託銀行的狀況。 Anchorage Trust Company鋪平了道路，在2021年獲得了OCC批准，並成為Anchorage Digital Bank。似乎每個人都想要一塊受聯邦監管的派。

Final Thoughts

最後的想法

Circle's move to create a national trust bank is a major step towards mainstream crypto adoption. It's about playing by the rules, meeting regulatory demands, and building a solid foundation for the future. As Sei Network put it, this signals that crypto is ready for broader institutional adoption by adopting existing financial regulatory frameworks. So, keep your eyes peeled – the crypto landscape is changing, and Circle is right in the thick of it.

Circle建立國家信託銀行的舉動是邁向主流加密採用的重要一步。這是關於按規則扮演，滿足監管要求，並為未來奠定堅實的基礎。正如SEI網絡所說，這種信號表明加密貨幣已準備好通過採用現有的財務監管框架來進行更廣泛的機構採用。因此，請保持眼睛剝落 - 加密景觀正在發生變化，圓圈正好在其厚度中。