美國美聯儲允許銀行從事加密貨幣和Stablecoin活動

採取了重大行動，美國美聯儲已經撤消了以前的反克里普托指導，現在允許銀行從事加密貨幣和Stablecoin活動。

The U.S. Federal Reserve has quietly rescinded previous anti-crypto guidance, now permitting banks to engage in crypto and stablecoin activities, according to a recent report by Blockware. This decision, made on April 24, 2025, is seen as a step toward supporting innovation in the financial sector, with the Fed noting that it aims to align expectations with the evolving risks in the banking system.

根據Blockware最近的一份報告，美國美聯儲已悄悄地撤銷了先前的反克里普托指導，現在允許銀行從事加密貨幣和Stablecoin活動。該決定於2025年4月24日做出，被視為支持金融部門創新的一步，美聯儲指出，它旨在使期望與銀行體系中不斷發展的風險保持一致。

Over the past few years, U.S. regulators, including the Federal Reserve, the FDIC (Federal Deposit Insurance Corporation), and the OCC (Office of the Comptroller of the Currency), have expressed caution regarding banks’ involvement in crypto assets and stablecoins. Concerns ranged from the volatility and liquidity of crypto markets to legal risks. However, the Fed’s recent move, which involves rolling back two supervisory letters issued in 2022 and 2023, signals a shift in their stance.

在過去的幾年中，美國的監管機構，包括美聯儲，外國國外保險公司（聯邦存款保險公司）和OCC（貨幣審計器的辦公室），對銀行參與加密貨幣資產和穩定股的介入表示謹慎。關注範圍從加密市場的波動和流動性到法律風險。但是，美聯儲最近的舉動涉及回滾2022年和2023年發出的兩封監督信，這標誌著他們的立場發生了變化。

While allowing banks to support crypto-related activities, including stablecoins, the Fed noted that regular banking oversight will still apply. The agency stated that it would monitor banks’ crypto-asset activities through standard supervisory processes, and banks are not required to notify the Fed prior to engaging in such activities.

美聯儲允許銀行支持與加密相關的活動（包括Stablecoins），並指出，定期的銀行監督仍將適用。該機構表示，它將通過標準監督程序監視銀行的加密資產活動，並且在從事此類活動之前，無需銀行必須通知美聯儲。

This change in the Fed’s stance could have significant implications for the crypto market. Michael Saylor, founder of Strategy (formerly MicroStrategy), pointed out that the decision allows banks to begin supporting Bitcoin (BTC).

美聯儲立場的這種變化可能會對加密貨幣市場產生重大影響。戰略創始人邁克爾·塞勒（Michael Saylor）（以前是Microstrategy）指出，該決定允許銀行開始支持比特幣（BTC）。

“Good news! The Fed has now cancelled all of its prior advisories to banks re: crypto. This means that banks are now free to begin supporting Bitcoin. They will not be able to ignore the best investment over the last 15 years any longer!” Saylor stated.

“好消息！美聯儲現在已經取消了對銀行的所有先前諮詢。塞勒說。

Alex Svanevik, CEO of blockchain analytics firm Nansen, added that the decision is also favorable for banks looking to enter the stablecoin market.

區塊鏈分析公司Nansen的首席執行官Alex Svanevik補充說，該決定也有利於希望進入Stablecoin市場的銀行。

“This is a good sign that regulators are adapting to crypto, rather than trying to shut it down or pushing for more time to stall integration,” Svanevik noted.

Svanevik指出：“這是一個好跡象表明，監管機構正在適應加密貨幣，而不是試圖將其關閉或推動更多時間停止集成。”

However, Caitlin Long, founder of Custodian Bank, cautioned that the Fed did not rescind all anti-crypto measures. A key piece of guidance issued in 2023 via a Board vote remains in place, which could still present challenges for the broader crypto sector.

但是，託管銀行的創始人凱特琳·朗（Caitlin Long）警告說，美聯儲並未撤銷所有反對措施。 2023年通過董事會投票發布的關鍵指導仍然存在，這仍然可能給更廣泛的加密貨幣領域帶來挑戰。

“They did NOT cancel the 2023 (Board-voted) guidance (still no new guidance from the Board). So, still no BDCs, no SPVs, and no 'material portion' of a bank's business being funded by 'digital assets.' Congress will need to pass the stablecoin bill to get the remaining guidance cancelled,” Long explained.

“他們沒有取消2023年（董事會投票）的指導（董事會仍然沒有新的指導）。因此，仍然沒有BDC，沒有SPV，也沒有由“數字資產”資助的銀行業務的“物質部分”。國會將需要通過穩定法案，以取消剩餘的指導。”

The FDIC, which is a key regulator of commercial banks, has also been taking steps to investigate the so-called “crypto de-banking” trend under the Biden Administration. Recently, the FDIC announced an inquiry into the practices of several large banks, part of an effort to understand how the rapid growth of the crypto industry is affecting banking services.

FDIC是商業銀行的關鍵監管機構，也一直在採取措施調查Biden Administration下所謂的“加密貨運”趨勢。最近，FDIC宣布對幾家大型銀行的做法進行調查，這是了解加密行業如何影響銀行服務的一部分。