據報導，美國數字資產公司正在考慮申請銀行憲章和許可證

特朗普政府對加密貨幣行業更有利的立場的鼓勵，幾家美國數字資產公司正在考慮申請銀行憲章和許可。

Several U.S. digital asset firms are considering applying for bank charters and licenses, the Wall Street Journal reported on Wednesday, citing people familiar with the matter.

《華爾街日報》週三報導，幾家美國數字資產公司正在考慮申請銀行憲章和許可證。

Among the digital asset firms that are contemplating acquiring the bank charters or licenses are stablecoin issuers Circle and Paxos, the report stated. Crypto exchange Coinbase and digital asset infrastructure provider Bitgo are also reportedly seeking to obtain banking licenses.

報告說，正在考慮獲取銀行憲章或許可證的數字資產公司中有Stablecoin發行人圈和Paxos。據報導，加密交易所Coinbase和數字資產基礎設施提供商BitGo也正在尋求獲得銀行許可證。

The report adds that the firms are planning to apply for the charters or licenses as they seek to take advantage of the Trump administration’s more conciliatory stance toward the digital asset industry.

該報告補充說，這些公司正計劃申請憲章或許可，因為他們試圖利用特朗普政府對數字資產行業的更和解立場。

Since assuming office January 20, the Trump administration has been moving to fulfill its campaign pledge to end government hostility toward the cryptocurrency industry. To achieve this, the administration has appointed known crypto advocates to key government posts.

自1月20日上任以來，特朗普政府一直在履行其競選承諾，以結束政府對加密貨幣行業的敵意。為了實現這一目標，政府已任命已知的加密貨幣倡導者擔任關鍵政府職位。

For example, the Trump administration’s nominee for chairman of the U.S. Securities and Exchange Commission, Paul Atkins, was recently confirmed by the U.S. Senate. A Harvard Law School graduate, Atkins previously served as a commissioner at the Commodity Futures Trading Commission (CFTC) from 2001 to 2008.

例如，美國參議院最近確認了特朗普政府為美國證券交易委員會主席保羅·阿特金斯（Paul Atkins）提名。阿特金斯（Atkins）是哈佛法學院的畢業生，此前曾在2001年至2008年擔任商品期貨貿易委員會（CFTC）的專員。

Atkins’ confirmation, as well as that of several crypto-friendly figures, has in turn convinced crypto firms to seek bank charters or licenses two years after the collapse of FTX prompted players in the banking system to shun the digital asset industry.

阿特金斯（Atkins）的確認以及幾個對加密貨幣友好型數字的確認，反過來又說服了加密貨幣公司在FTX崩潰兩年後尋求銀行憲章或許可證，促使銀行系統中的玩家避開了數字資產行業。

According to the WSJ report, some of the digital assets firms are keen on securing national trust or industrial bank charters, which would enable them to take deposits and issue loans. Other firms are reportedly interested in obtaining a license that allows them to issue stablecoins.

根據WSJ報告，一些數字資產公司熱衷於確保國家信託或工業銀行憲章，這將使他們能夠拿存款並發行貸款。據報導，其他公司有興趣獲得允許他們發行Stablecoins的許可。

Although securing a bank charter would make the firms and indeed crypto more intertwined with the banking system, such an approval entails increased scrutiny. Furthermore, complying with the attendant rules may prove costly, as Anchorage Digital, the only crypto firm issued a banking charter, found.

儘管確保銀行憲章會使公司和加密貨幣與銀行系統更加交織在一起，但這種批准需要增加審查。此外，遵守服務人規則可能會很昂貴，因為唯一的加密貨幣公司是錨定數字，這是一家銀行憲章。

Besides incurring millions of dollars, Anchorage was once flagged by a banking regulator for having deficiencies in its anti-money laundering systems. Anchorage CEO Nathan McCauley is quoted in the report as saying that having a bank charter has its own challenges but added that he is optimistic that regulations governing banks can be intertwined with the crypto industry.

除了產生數百萬美元外，安克雷奇曾經被銀行監管機構標記，因為它的反洗錢系統中有缺陷。報導中引用了安克雷奇首席執行官內森·麥考利（Nathan McCauley）的話說，擁有銀行憲章有其自身的挑戰，但他補充說，他對管理銀行的法規可以與加密貨幣行業交織在一起很樂觀。

“[The] whole gamut of regulatory and compliance obligations that banks have can be intertwined with the crypto industry,” McCauley said.

麥卡利說：“銀行擁有的整體監管和合規義務可以與加密行業交織在一起。”