Coinbase的大膽舉動：追求OCC憲章，但不成為銀行？

Coinbase從OCC尋求國家信託憲章，這表明與美國金融體係有更深入的整合。這不是要成為銀行，而是關於加密服務的監管清晰度。

Coinbase's Bold Move: Pursuing OCC Charter, But Not Becoming a Bank?

Coinbase的大膽舉動：追求OCC憲章，但不成為銀行？

Coinbase's pursuit of a National Trust Charter from the OCC highlights the evolving relationship between crypto and traditional finance. The exchange aims to enhance its services and gain regulatory clarity without transforming into a conventional bank.

Coinbase從OCC中追求的國家信託憲章突出了加密貨幣與傳統金融之間不斷發展的關係。該交易所旨在增強其服務並獲得監管清晰度，而無需轉變為常規銀行。

Coinbase's Charter Quest: Scaling Up, Not Becoming a Bank

Coinbase的憲章任務：擴大規模，不成為銀行

Coinbase is seeking a National Trust Company Charter from the Office of the Comptroller of the Currency (OCC), a move announced on October 3, 2025. This isn't about becoming a bank. According to Coinbase, the charter is a strategic step toward scaling its business and integrating digital assets into the broader financial system. The charter offers a fresh layer of regulatory oversight, fostering innovation and growth.

Coinbase正在從2025年10月3日宣布的貨幣審計長辦公室尋求國家信託公司憲章（OCC）。這並不是要成為銀行。根據Coinbase的說法，《憲章》是擴展業務並將數字資產整合到更廣泛的金融體系中的戰略步驟。該憲章提供了新的監管監督，從而促進了創新和增長。

Greg Tusar, Coinbase's VP of institutional product, emphasized that this charter would "streamline oversight for new offerings and enable continued innovation." The focus is on clear rules, regulatory trust, and customer confidence, ensuring secure innovation.

Coinbase的機構產品副總裁Greg Tusar強調，該憲章將“簡化新產品的監督並實現持續的創新”。重點是明確的規則，監管信任和客戶信心，從而確保安全創新。

A Trend Among Crypto Firms

加密公司的趨勢

Coinbase isn't alone in this pursuit. Other crypto firms, including Circle, Ripple, Paxos, and BitGo, have also applied for similar charters. These efforts reflect a broader trend toward aligning with traditional banking regulations, signaling a regulatory shift in the US.

在這種追求中，Coinbase並不孤單。其他加密公司，包括Circle，Ripple，Paxos和BitGo，也申請了類似的憲章。這些努力反映了與傳統銀行法規保持一致的更廣泛趨勢，這表明美國的監管轉變。

Clashes with Big Banks and the Stablecoin Stance

與大銀行和Stablecoin姿態發生衝突

Despite these federal ambitions, Coinbase isn't looking to become a bank. The company is actively mobilizing crypto users through its 'Stand With Crypto' initiative, challenging what it sees as attempts by the banking industry to limit access to interest-bearing stablecoins.

儘管有這些聯邦野心，但Coinbase並不希望成為一家銀行。該公司正在通過其“加密貨幣”計劃積極動員加密用戶，這挑戰了銀行業試圖限制獲得利息stablecoins的嘗試的挑戰。

In August, banking associations raised concerns about the risks of allowing uninsured institutions to issue stablecoins, sparking a debate about competition and regulatory loopholes. Coinbase CEO Brian Armstrong has criticized this as "hypocrisy," advocating for better products and competition in the financial sector.

8月，銀行協會引起了人們對允許無保險機構發行穩定機構的風險的擔憂，引發了有關競爭和監管漏洞的辯論。 Coinbase首席執行官布萊恩·阿姆斯特朗（Brian Armstrong）批評這是“虛偽的”，倡導在金融領域獲得更好的產品和競爭。

Payments and Stablecoins at the Core

核心的付款和穩定幣

Coinbase's strategy heavily involves payments, particularly as stablecoins gain traction. Its close partnership with Circle and the USDC stablecoin is central to this approach. With the OCC now regulating dollar-pegged stablecoins, a trust charter could enable Coinbase to expand payments and custody services under clearer federal guidelines.

Coinbase的策略在很大程度上涉及付款，尤其是隨著Stablecoins獲得吸引力。它與Circle的密切合作夥伴關係，USDC Stablecoin對於這種方法至關重要。隨著OCC現在監管美元固定的穩定股，信託憲章可以使Coinbase能夠根據更清晰的聯邦準則擴大付款和監護服務。

The Bigger Picture

更大的圖片

The OCC's decision on Coinbase's application is a pivotal moment for the crypto industry. Approval could reshape how stablecoins and digital assets interact with the US financial system, strengthening Coinbase's position as a leading crypto custodian.

OCC對Coinbase應用的決定是加密行業的關鍵時刻。批准可以重塑穩定幣和數字資產如何與美國金融體系相互作用，從而加強了Coinbase作為領先的加密保管人的地位。

As Brian Armstrong puts it, Coinbase aims to be a "bank replacement," offering crypto custody, trading, payments, and on-chain financing. This move toward a National Trust Charter is a significant step in that direction.

正如布萊恩·阿姆斯特朗（Brian Armstrong）所說，Coinbase的目標是成為“銀行更換”，提供加密貨幣，交易，付款和鏈融資。向國家信託憲章邁出的這一行動是朝著這個方向邁出的重要一步。

So, What's Next?

那麼，下一步是什麼？

Will Coinbase get its charter? Only time will tell. But one thing's for sure: the outcome will have a major impact on the future of crypto in the US. It's like watching a high-stakes poker game where the future of finance is on the table. Exciting times ahead, folks!

Coinbase會得到憲章嗎？只有時間會證明。但是可以肯定的是：結果將對美國加密貨幣的未來產生重大影響。這就像看一款高風險的撲克遊戲，財務的未來在桌子上。伙計們，令人興奮的時刻！