聯邦存款保險公司（FDIC）闡明了與加密相關的銀行活動的立場

聯邦存款保險公司（FDIC）週五澄清了其對加密貨幣相關的銀行活動的立場，受到行業領導者的稱讚

The Federal Deposit Insurance Corporation (FDIC) has clarified its stance on crypto-related activities by U.S. banks, drawing praise from industry leaders like Cardano founder Charles Hoskinson.

聯邦存款保險公司（FDIC）闡明了其對美國銀行與加密相關活動的立場，受到了Cardano創始人查爾斯·霍斯金森（Charles Hoskinson）等行業領導者的讚譽。

The FDIC announced Friday that it was rescinding FIL-16-2022. This 2022 policy had required FDIC-supervised institutions to first notify the agency before engaging in digital asset services.

FDIC週五宣布將撤銷FIL-16-2022。這項2022年的政策要求FDIC監督機構在從事數字資產服務之前首先通知該機構。

The FDIC’s new guidance confirms that banks may participate in such activities as long as they effectively manage the associated risks.

FDIC的新指南証實，只要銀行有效地管理相關風險，銀行就可以參加此類活動。

However, while the prior notification requirement has been removed, banks are still expected to conduct crypto-related operations in a safe and sound manner. They must adhere to regulations concerning market risk, liquidity, cybersecurity, and anti-money laundering compliance.

但是，儘管已刪除了先前的通知要求，但仍期望銀行以安全而良好的方式進行與加密相關的操作。他們必須遵守有關市場風險，流動性，網絡安全和反洗錢合規性的法規。

The FDIC also emphasized that financial institutions should work closely with their supervisory teams when navigating digital asset services.

FDIC還強調，金融機構在瀏覽數字資產服務時應與其監督團隊緊密合作。

“Notably, the FIL-16-2022 policy drew criticism from industry leaders for creating an administrative burden and delaying the integration of crypto services by U.S. banks.”

“值得注意的是，FIL-16-2022的政策引起了行業領導人的批評，該政策造成了行政負擔，並推遲了美國銀行對加密服務的整合。”

The FDIC’s updated approach could reduce friction for banks looking to integrate crypto services and accelerate adoption within the traditional banking sector.

FDIC的最新方法可以減少希望整合加密服務並加速傳統銀行業中採用的銀行的摩擦。

Cardano founder Charles Hoskinson welcomed the move, calling it a “major step forward and a big win for crypto.”

Cardano創始人查爾斯·霍斯金森（Charles Hoskinson）歡迎這一舉動，稱其為“向加密貨幣的重大一步，是巨大的勝利”。

“Wow! Banks can now touch crypto without groveling for approval? How generous,” added Teddy Paulus, a Bitcoin advocate.

“哇！銀行現在可以觸摸加密貨幣，而無需批准？”比特幣倡導者泰迪·保羅斯（Teddy Paulus）補充說。

The FDIC’s decision aligns with broader regulatory easing for crypto businesses. The agency plans to issue further guidance in collaboration with other U.S. financial regulators.

FDIC的決定與加密業務更廣泛的監管寬鬆相吻合。該機構計劃與其他美國財務監管機構合作發出進一步的指導。

Earlier this year, the Securities and Exchange Commission (SEC) rescinded its policy statement on the application of generally accepted accounting principles (GAAP) to derivatives and hedge funds in E717.

今年早些時候，美國證券交易委員會（SEC）撤銷了其在E717中將公認會計原則（GAAP）應用於衍生品和對沖基金的政策聲明。

The SEC also voted 3-2 to repeal Staff Accounting Bulletin 121 (SAB 121) and approved the issuance of a new SAB 122.

SEC還以3-2投票贊成廢除員工會計公告121（SAB 121），並批准發行新的SAB 122。

SAB 121, which was issued in 1999, required financial institutions holding crypto assets for customers to list them as liabilities on their balance sheets.

SAB 121於1999年發布，要求持有加密貨幣資產的金融機構將其列為資產負債表上的負債。

The accounting rule had been a subject of controversy, with critics arguing that it would complicate crypto custody and hinder innovation.

會計規則是一個引起爭議的主題，批評家認為這會使加密貨幣的監護權和阻礙創新變得複雜。

Meanwhile, U.S. Senators voted 70-28 on Tuesday to repeal a controversial IRS rule that would have imposed heavy tax reporting requirements on decentralized finance (DeFi) protocols.

同時，美國參議員周二以70-28投票贊成一項有爭議的IRS規則，該規則將對分散融資（DEFI）方案施加重型稅收報告要求。

The rule, which was part of the 2024 government funding bill, would have required DeFi projects to report user transactions like traditional brokers, raising concerns about privacy and feasibility.

該規則是2024年政府籌資法案的一部分，將要求Defi項目報告傳統經紀人等用戶交易，從而引起人們對隱私和可行性的擔憂。

The House of Representatives previously voted 376-48 to approve the measure. The resolution now moves to President Trump for approval.

眾議院此前以376-48票批准了這項措施。該決議現在已向特朗普總統批准。

The Senate vote was largely bipartisan, with 38 Democrats and 32 Republicans voting in favor of the measure. Six Democrats and 22 Republicans voted against it.

參議院的投票主要是兩黨，有38名民主黨人和32名共和黨人投票贊成這一措施。六名民主黨人和22名共和黨人投票反對。