美聯儲消除了參與加密貨幣和穩定活動的銀行的限制

在此之前，美聯儲實施了限制，禁止銀行未經同意而參與加密貨幣和Stablecoin活動。

The Federal Reserve has canceled a requirement for prior consent before banks can participate in cryptocurrency and stablecoin activities. This was announced by the central bank on April 24, 2025.

美聯儲已經取消了事先同意的要求，然後銀行可以參加加密貨幣和穩定活動。中央銀行於2025年4月24日宣布了這一點。

It follows other rescissions by the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) that have also pulled their crypto guidance. Now, banks can supervise these digital asset activities as they would any other banking service on a normal basis.

它是在聯邦存款保險公司（FDIC）和貨幣審計體辦公室（OCC）辦公室進行的其他撤消之後的，這些辦公室也提出了加密指導。現在，銀行可以監督這些數字資產活動，因為它們將正常任何其他銀行服務。

A New Era for Crypto Banking

加密銀行的新時代

The move from the Federal Reserve also reverses a 2022 supervisory letter that had instructed banks to inform regulators before they engage in crypto business. A similar rescission was also placed on a 2023 letter that imposed similar stablecoin activities. “The Board is rescinding its 2022 supervisory letter establishing an expectation that state member banks provide advance notification of planned or current crypto-asset activities,” the Federal Reserve stated in its announcement.

從美聯儲的轉變還扭轉了一封2022年的監督信，該信指示銀行在從事加密貨幣業務之前向監管機構通知監管機構。在2023年的字母上也放置了類似的撤銷，該字母實施了類似的穩定活動。美聯儲在公告中說：“董事會正在撤銷其2022年的監督信，確定州成員銀行提供有關計劃或當前加密資產活動的預先通知的期望。”

In doing this, it removes a massive obstacle for banks in offering crypto services such as custody, trading, or stablecoin issuance. Previously, banks had to deal with these risks, so they were discouraged from getting into the space.

為此，它消除了銀行在提供託管，交易或穩定發行等加密服務方面的巨大障礙。以前，銀行不得不應對這些風險，因此他們不鼓勵進入該空間。

The action is part of a wider effort to bring digital assets to traditional finance. Crypto banks such as Custodia and Kraken Financial have long sought more access to Federal Reserve services, including master accounts, for years. The new policy could enable such institutions to extend their range of amenities.

該行動是將數字資產帶入傳統金融的更廣泛努力的一部分。多年來，Custodia和Kraken Financial等加密銀行長期以來一直在尋求更多的美聯儲服務，包括主帳戶。新政策可以使此類機構能夠擴展其便利範圍。

Implications for the Financial Sector

對金融部門的影響

The adoption of cryptocurrency by more conventional banks is likely to accelerate as a result of this. This is now allowing banks to create crypto-related products without going through a pre-clearance process, which can increase liquidity in digital currency markets.

由於這種情況，更常規的銀行採用加密貨幣很可能會加速。現在，這允許銀行在不經過前清算過程的情況下創建與加密相關的產品，這可以增加數字貨幣市場的流動性。

The transition occurs within a more advantageous regulatory framework established by the administration. That is seen as moving toward fulfilling the guarantees made in the battle to evade banks from restrictions for blockchain.

過渡發生在政府建立的更有利的監管框架內。這被視為朝著履行逃避銀行擺脫區塊鏈的限制的戰鬥中的保證。

However, the banks that engage in crypto activities will be monitored. The Federal Reserve said that standard supervisory processes would be used to monitor these activities to ensure that existing rules are followed. In this case, it suggests innovation and at the same time avoids the financial crisis.

但是，從事加密活動的銀行將受到監控。美聯儲表示，標準監督程序將用於監視這些活動，以確保遵守現有規則。在這種情況下，它暗示了創新，同時避免了金融危機。

This might also help develop stablecoins, digital currencies pegged to assets like the U.S. Stablecoins have been paid more heed on account of their capacity to empower fast, minimal expense exchanges.

這也可能有助於開發穩定的穩定，數字貨幣與美國穩定幣這樣的資產掛鉤，因為他們的能力賦予了快速，最小的費用交易所的能力，因此獲得了更多的關注。

Smaller banks and fintechs may get the most out of the relaxed rules, as they will now be able to compete with large institutions on offering crypto services. This would let in new products like crypto custody solutions or blockchain-based payments systems.

較小的銀行和金融科技公司可能會充分利用輕鬆的規定，因為它們現在將能夠與大型機構競爭加密服務。這將使新產品等新產品等新產品或基於區塊鏈的支付系統。

If banks are exploring these opportunities and if the financial sector is to enter a phase of blockchain technology integration, then so it will be.

如果銀行正在探索這些機會，並且金融部門要進入區塊鏈技術集成的階段，那就這樣了。