越來越多的加密貨幣公司準備進入美國銀行系統

越來越多的加密貨幣公司準備進入美國銀行系統，這是由唐納德·特朗普總統的政策轉變所推動的

A growing number of cryptocurrency companies are preparing to enter the U.S. banking system, propelled by a policy shift under President Donald Trump aimed at integrating digital assets into mainstream finance.

越來越多的加密貨幣公司準備進入美國銀行體系，這是由唐納德·特朗普（Donald Trump）總統的政策轉變所推動的，旨在將數字資產納入主流金融。

What Happened: Firms like Circle USDC/USD and BitGo are planning to apply for bank charters, The Wall Street Journal reported.

發生的事情：《華爾街日報》報導，諸如Circle USDC/USD和BitGo之類的公司正計劃申請銀行憲章。

Coinbase COIN and Paxos are also exploring approvals to operate with similar authority.

Coinbase Coin和Paxos還正在探索以類似權威運營的批准。

These developments follow the Trump administration's commitment to establishing the U.S. as a global leader in digital assets, including through new legislation targeting stablecoin oversight.

這些事態發展遵循特朗普政府致力於將美國作為數字資產的全球領導者的承諾，包括通過針對Stablecoin監督的新立法。

Recent bills moving through Congress propose a regulatory framework for stablecoins, mandating that issuers secure banking licenses or charters. These digital tokens, typically pegged to fiat currencies, are used as a bridge between volatile cryptocurrencies and traditional money.

最近通過國會的法案提出了一個針對穩定幣的監管框架，要求發行人獲得銀行許可證或憲章。這些數字令牌通常與法定貨幣掛鉤，被用作揮發性加密貨幣和傳統資金之間的橋樑。

Some firms are aiming for national trust bank or industrial bank charters that would allow them to hold customer deposits or issue loans. Others are seeking limited permissions specifically for issuing stablecoins.

一些公司的目標是建立國家信託銀行或工業銀行憲章，以允許他們持有客戶存款或發行貸款。其他人則尋求有限的權限，專門為發行穩定的權限。

BitGo, a crypto custody firm and reserve manager for the Trump family's stablecoin project USD1, is nearing the submission of its bank charter application, according to individuals familiar with its plans.

據熟悉計劃的人說，據熟悉其計劃的人說，Bitgo是特朗普家族的Stablecoin Project USD1的一家加密貨幣公司和預備隊經理，據熟悉其計劃的人稱，該計劃即將接近其銀行憲章申請。

Anchorage Digital, currently the only federally chartered crypto bank in the U.S., has invested tens of millions of dollars to meet regulatory standards.

Anchorage Digital目前是美國唯一的聯邦特許加密貨幣銀行，已經投資了數千萬美元來符合監管標準。

Also Read: Binance Advising Nations On Strategic Bitcoin Reserves, Crypto Regulation: Report

另請閱讀：為戰略比特幣儲備提供義務義務，加密法規：報告

CEO Nathan McCauley acknowledged the operational challenges, saying, "It has not been easy," but emphasized the importance of intertwining full regulatory compliance with the crypto sector.

首席執行官內森·麥考利（Nathan McCauley）承認了運營挑戰，他說：“這並不容易”，但強調了將完全監管的遵守與加密貨幣部門相結合的重要性。

Anchorage recently became a custodian for BlackRock's iShares Bitcoin Trust IBIT and partnered with Cantor Fitzgerald and Copper on a $2 billion bitcoin-backed lending initiative. Tether USDT/USD, the world's largest stablecoin by market cap at $145 billion, is a major Cantor client.

安克雷奇（Anchorage）最近成為貝萊德（BlackRock）的iShares比特幣信託基金會（Ishares Bitcoin Trust）的保管人，並與坎托·菲茨杰拉德（Cantor Fitzgerald）和銅合作制定了一項20億美元的比特幣支持貸款計劃。 Tether USDT/USD是全球最大的市值穩定股，1450億美元是主要客戶。

This integration marks a reversal from two years ago when the collapses of crypto firms and banks like Silvergate and Signature led to a clampdown, forcing traditional institutions to distance themselves from the crypto sector.

這種整合標誌著兩年前的逆轉，當時加密貨幣公司和銀行等銀行的倒塌和簽名導致了倒數，迫使傳統機構與加密貨幣部門保持距離。

Why It Matters: Trump's return to office has changed the tone. Regulations that once required banks to seek explicit approval before offering crypto services have been softened, and new federal guidance on bank-crypto relationships is expected later this year.

為什麼重要：特朗普重返辦公室已經改變了基調。曾經要求銀行在提供加密服務之前要求銀行尋求明確批准的法規已被軟化，並且預計今年晚些時候將為銀行 - 列帶有新的聯邦銀行關係指導。

Legacy financial institutions are adjusting course. Bank of America BAC CEO Brian Moynihan said in February the bank is prepared to issue a stablecoin once legal clarity is set. U.S. Bancorp USB has also resumed crypto custody services via a partnership with NYDIG.

傳統金融機構正在調整課程。美國銀行BAC首席執行官Brian Moynihan表示，一旦確定了法律清晰度，該銀行準備發行穩定的人。美國Bancorp USB還通過與NYDIG的合作夥伴關係恢復了加密保管服務。

International banks are taking note. A consortium including Deutsche Bank DB and Standard Chartered SCBFF is exploring expansion into the U.S. crypto market. Deutsche Bank declined to comment, and Standard Chartered did not respond.

國際銀行正在註意。包括德意志銀行DB和標準特許SCBFF在內的一個財團正在探索向美國加密市場的擴張。德意志銀行拒絕發表評論，而《標準特許》沒有回應。

However, caution persists in some corners. KeyCorp KEY CEO Chris Gorman noted potential competitive threats from crypto and cited regulatory concerns, particularly around transparency and anti-money laundering enforcement. "It's hard to trace," he said.

但是，謹慎在某些角落一直存在。 KeyCorp主要首席執行官Chris Gorman指出了來自加密貨幣的潛在競爭威脅，並引用了監管問題，尤其是在透明度和反洗錢執法方面。他說：“很難追踪。”

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