美國美聯儲已正式退縮了關鍵規則，該規則曾經限制銀行與加密貨幣和美元支持的代幣的互動方式。

LLS退回其加密規則，為銀行與Stablecoins互動打開了大門

The U.S. Federal Reserve has quietly rolled back key rules that once restricted how banks engage with cryptocurrencies and dollar-backed tokens, according to a report by Blockworks. The move marks a significant step toward easing regulatory pressure and signals growing openness to digital asset innovation within the U.S. banking system.

根據Blockworks的一份報告，美國美聯儲悄悄地撤回了關鍵規則，該規則曾經限制了銀行與加密貨幣和美元支持的代幣的互動方式。此舉標誌著朝著緩解監管壓力的重要一步，並表示對美國銀行系統內數字資產創新的開放性日益發展。

Why Is the Federal Reserve Pulling Back Its Crypto Rules?

為什麼美聯儲會退縮其加密貨幣規則？

The FED has withdrawn its 2022 guidlines that required state-chartered banks to notify the Board before offering crypto-related services. Under the new direction, banks will no longer need to send advance notices. Instead, the Fed will oversee crypto activities through its usual supervisory processes—just like any other banking service.

美聯儲已撤回其2022年指南，該指南要求由州議會的銀行在提供與加密相關的服務之前通知董事會。在新的指導下，銀行將不再需要發送預先通知。相反，美聯儲將通過其通常的監督流程來監督加密活動，就像其他任何銀行服務一樣。

Stablecoin Restrictions Loosened

Stablecoin限制鬆動

The central bank also rescinded its 2023 nonobjection letter process for banks planning to engage in dollar token activities, such as issuing or dealing in stablecoins. This means banks can now move forward with such projects without having to wait for formal approval, removing one more layer of regulatory red tape.

中央銀行還取消了其2023年的非選票信流程，以計劃從事美元代幣活動，例如發行或交易stablecoins。這意味著銀行現在可以繼續進行此類項目，而不必等待正式批准，而是刪除了另外一層監管繁文tape節。

The Federal Reserve, alongside the Federal Deposit Insurance Corporation (FDIC), has also pulled back from two joint statements issued last year with the Office of the Comptroller of the Currency (OCC). These joint memos had set cautious expectations around crypto involvement for banks. Their removal signals a coordinated shift toward more relaxed oversight across U.S. regulators.

美聯儲與聯邦存款保險公司（FDIC）一起，也從去年與貨幣審計長辦公室發表的兩次聯合聲明中退縮（OCC）。這些聯合備忘錄對銀行的加密貨幣介入持謹慎的期望。他們的撤職表明，在美國監管機構中，朝著更輕鬆的監督進行了協調的轉變。

What Does the Federal Reserve’s Shift Mean for the Future of Crypto in Banking?

美聯儲的轉變對銀行業中加密貨幣的未來意味著什麼？

While oversight won’t disappear completely, the tone has clearly changed. The Fed stated that it will continue to work with other agencies to explore new rules that better support innovation while keeping the banking sector safe and sound.

雖然監督不會完全消失，但語調已經明顯改變。美聯儲表示，它將繼續與其他機構合作，以探索新的規則，以更好地支持創新，同時確保銀行業的安全和合理。

Vandell Aljarrah, co-founder of Black Swan Capitalist, called out the irony in the timing of the Fed’s move. Just days after being dismissed for his pro-crypto stance, the central bank reversed its position—removing the same policies he had spoken against.

黑天鵝資本家的聯合創始人范德爾·阿爾賈拉（Vandell Aljarrah）在美聯儲的舉動時期宣布了具有諷刺意味的。在因親克萊普托立場被解僱的幾天后，中央銀行扭轉了其立場，這與他所說的相同的政策相反。

“It’s validating to see the Fed now encouraging the very innovation they once blocked,” he said.

他說：“看到美聯儲現在鼓勵他們曾經被阻止的創新，這是有驗證的。”

This change may open the door for banks to step more confidently into the crypto space—especially in the growing world of dollar tokens and stablecoins. Whether this marks the start of a broader shift in U.S. crypto regulation remains to be seen, but the door is certainly opening wider.

這一變化可能為銀行更自信地進入加密貨幣空間打開了大門，尤其是在不斷增長的美元令牌和穩定世界中。這是否標誌著美國加密法規的更廣泛轉變的開始還有待觀察，但是門肯定會打開。

The Federal Reserve’s rollback of crypto guidance marks a shift from caution to cautious openness. By removing approval hurdles, it signals support for innovation and aligns with FDIC and OCC moves—making crypto more accessible for U.S. banks.

美聯儲的加密指導回滾標誌著從謹慎到謹慎的開放的轉變。通過刪除批准障礙，它標誌著對創新的支持，並與FDIC和OCC移動保持一致 - 使美國銀行更容易獲得加密貨幣。

Not directly—but the signs point in that direction. By removing the requirement for banks to seek formal nonobjection letters before engaging in dollar token activities, the Federal Reserve has eased the path for stablecoin involvement. While it hasn’t officially endorsed stablecoins, this policy shift shows a more open attitude toward their use in the banking system.

不是直接的 - 而是符號指向該方向。通過刪除銀行在進行美元代幣活動之前尋求正式非遭到信件的要求，美聯儲已經減輕了穩定的參與的道路。雖然它沒有正式認可穩定幣，但這種政策轉變表明對它們在銀行系統中的使用態度更加開放。

It means fewer barriers and more flexibility. Banks no longer need to go through extra approval processes to offer crypto or stablecoin services. With the Federal Reserve shifting to standard supervision, banks can now explore crypto opportunities more confidently and at a faster pace—without waiting for special permissions.

這意味著更少的障礙和更大的靈活性。銀行不再需要經過額外的批准流程來提供加密貨幣或Stablecoin服務。隨著美聯儲轉移到標準監督的情況下，銀行現在可以更自信地探索加密貨幣機會，並以更快的速度 - 不等待特殊許可。