國家銀行和聯邦儲蓄協會被允許為數字資產提供監護權和交易服務

貨幣審計員辦公室（OCC）發布了指南，指出國家銀行和聯邦儲蓄協會被允許提供監護權

The Office of the Comptroller of the Currency (OCC) has issued guidance confirming that national banks and federal savings associations can provide custody and trading services for digital assets, such as Bitcoin.

貨幣審計長辦公室（OCC）已發布指導，證實國家銀行和聯邦儲蓄協會可以為數字資產（例如比特幣）提供監護權和交易服務。

Interpretive Letter 1184 clarifies that banks are permitted to buy and sell digital assets on behalf of customers and may outsource related services—such as custody and execution—to third-party providers, subject to appropriate risk management oversight.

解釋性信1184澄清說，銀行被允許代表客戶買賣數字資產，並可能將相關服務（例如監護權和執行）外包給第三方提供商，但要受到適當的風險管理監督。

The guidance is part of the OCC’s broader regulatory efforts to clarify the scope of activities banks can undertake in relation to emerging financial technologies.

該指南是OCC在闡明銀行在新興金融技術方面所做的活動範圍的更廣泛監管工作的一部分。

According to the letter, financial institutions may also provide related services, including recordkeeping, tax reporting, and compliance.

根據信函，金融機構還可以提供相關服務，包括記錄保存，稅收報告和合規性。

These services may be delegated to sub-custodians, provided that oversight requirements are met.

只要滿足監督要求，這些服務就可以委派給亞客戶。

In a video statement, Acting Comptroller of the Currency Rodney Hood said, “this digitalization of financial services is not a trend. It is a transformation.”

羅德尼·胡德（Rodney Hood）的貨幣代理審計長在一份視頻聲明中說：“這種金融服務的數字化不是趨勢。這是一種轉變。”

OCC-regulated banks may buy and sell assets held in custody and are permitted to outsource bank-permissible crypto-asset activities, including custody and execution services.

OCC受監管的銀行可以買賣持有的持有的資產，並被允許外包由銀行允許的加密資產活動，包括託管和執行服務。

Institutions providing crypto-asset custody services for their customers must comply with applicable risk management principles. These services may be delegated to sub-custodians, with institutions expected to maintain effective supervision over the sub-custodian in accordance with administrative capabilities.

為客戶提供加密資產管理保管服務的機構必須遵守適用的風險管理原則。這些服務可能會委派給亞客戶，並有望根據行政能力對次客戶進行有效的監督。

According to the statement, financial institutions engaging in these activities are expected to implement the necessary risk controls and follow existing legal and supervisory expectations.

根據聲明，從事這些活動的金融機構有望實施必要的風險控制，並遵循現有的法律和監督期望。

The guidance does not require banks to participate in Bitcoin or digital asset services, but it clarifies what is permissible under current law. Institutions may decide whether and how to engage in these activities based on their own business models, capabilities, and risk assessments.

該指南不需要銀行參與比特幣或數字資產服務，但它闡明了根據現行法律允許的。機構可以根據自己的業務模式，能力和風險評估來決定以及如何以及如何從事這些活動。