Ripple的銀行憲章出價：加密貨幣的新浪潮？

Ripple對國家銀行憲章的追求表明，加密貨幣公司尋求監管清晰度和與傳統金融的融合的趨勢不斷增長。

Ripple's Bank Charter Bid: A New Wave for Crypto?

Ripple的銀行憲章出價：加密貨幣的新浪潮？

Ripple's move to apply for a national bank charter, mirroring Circle's recent efforts, highlights a significant shift in the crypto landscape. This pursuit underscores the industry's desire for regulatory clarity and seamless integration with traditional financial systems.

Ripple申請國家銀行憲章的舉動，反映了Circle最近的努力，強調了加密貨幣景觀的重大轉變。這種追求強調了該行業對監管清晰度和與傳統金融系統無縫融合的渴望。

Why a Bank Charter Matters

為什麼銀行憲章很重要

Obtaining a national bank charter would allow Ripple to expedite payment settlements and reduce costs by bypassing traditional intermediary banks. More importantly, it would provide a 'stamp of legitimacy,' addressing years of perceived regulatory sidelining. Brad Garlinghouse, Ripple's CEO, emphasized the company's commitment to building trusted and secure infrastructure.

獲得國家銀行憲章將使波紋通過繞過傳統的中介銀行加快付款和解的加速和降低成本。更重要的是，它將提供“合法性的郵票”，以解決多年的監管局勢。 Ripple的首席執行官Brad Garlinghouse強調了該公司致力於建立可信賴和確保基礎設施的承諾。

Ripple's Strategy: Compliance and Growth

波紋的策略：合規性和增長

Ripple's proactive approach to regulatory compliance is evident in its pursuit of a Fed Master Account for its subsidiary, Standard Custody. This would enable Standard Custody to hold $RLUSD reserves directly with the Federal Reserve, further solidifying its position in the stablecoin market. With the anticipated closure of the SEC lawsuit, Ripple is poised to focus on growth factors.

在追求其子公司標準監護權的Fed Master帳戶時，顯而易見的是，Ripple的主動法規合規方法是顯而易見的。這將使標準監護權能夠直接與美聯儲持有$ RLUSD儲備，從而進一步鞏固其在Stablecoin市場中的地位。隨著SEC訴訟的預期關閉，Ripple有望將重點放在增長因素上。

A Growing Trend

增長的趨勢

Ripple joins a growing list of crypto companies, including Circle, BitGo, Coinbase Global, and Paxos, seeking national banking licenses. This trend indicates a broader industry-wide push for regulatory acceptance and integration into the mainstream financial system. While the Biden administration granted a charter to Anchorage Digital, the expectation is that more crypto companies will receive charters under the Trump administration, especially with the end of Operation Choke Point 2.0 and ongoing legislative efforts to establish clear crypto regulations.

Ripple加入了越來越多的加密公司清單，包括Circle，Bitgo，Coinbase Global和Paxos，尋求國家銀行許可證。這種趨勢表明，在整個行業範圍內，監管接受和集成到主流金融體系中的廣泛推動。儘管拜登政府授予了安克雷奇數字章程的憲章，但期望更多的加密公司將在特朗普政府下獲得憲章，尤其是在Choce Point 2.0的終結以及正在進行的立法努力下，以製定明確的加密法規。

The Future of Ripple and Crypto Banking

Ripple和Crypto Banking的未來

It seems like Ripple's really trying to play nice with the grown-ups in the financial world. And honestly, who can blame them? Having a bank charter is like getting a VIP pass to the financial system. It's about time crypto firms stopped asking for permission and started building their own banks, or at least, becoming them. Now, if only my doge coin would hurry up and moon so I could get in on this action!

似乎Ripple確實試圖與金融界的成年人一起玩得很好。老實說，誰能責怪他們？擁有銀行憲章就像是獲得金融體系的VIP通行證。現在是加密貨幣公司停止尋求許可並開始建立自己的銀行的時候，或者至少成為他們的銀行。現在，如果我只有我的道幣硬幣會趕快和月亮，這樣我就可以加入這一動作！