Ripple，美國銀行和Stablecoin擴展：受監管的新時代

Ripple追求美國國家銀行憲章邁出了大膽的一步，朝著規範的財務邁出了大膽的一步，可能會重塑穩定的景觀。

Ripple, US Bank, and Stablecoin Expansion: A New Era of Regulated Finance

Ripple，美國銀行和Stablecoin擴展：受監管的新時代

Ripple is making waves with its move towards deeper integration into the US financial system. The company's application for a national bank charter and a Federal Reserve master account mark a significant step in this direction. This isn't just about Ripple; it's a sign of the times as crypto firms seek regulatory clarity and a bridge to traditional finance.

Ripple朝著更深層次的整合到美國金融體系，引起了海浪。該公司申請國家銀行憲章和美聯儲主帳戶的申請標誌著這一方向的重要一步。這不僅僅是波紋。這是時代的跡象，因為加密貨幣公司尋求監管清晰度和傳統金融的橋樑。

Ripple's Regulatory Ambitions

Ripple的監管野心

Ripple has formally applied for a national bank charter with the Office of the Comptroller of the Currency (OCC). This move signals a major ambition to operate within regulated finance. If approved, Ripple would gain federal oversight, adding to its existing state-level regulation through the New York Department of Financial Services (NYDFS). CEO Brad Garlinghouse emphasizes that this dual oversight would boost trust in Ripple's stablecoin, RLUSD.

Ripple已正式申請了國家銀行憲章的貨幣審計長辦公室（OCC）。此舉標誌著在受監管的財務中運作的主要野心。如果獲得批准，Ripple將獲得聯邦監督，並通過紐約金融服務部（NYDFS）增加其現有的州級法規。首席執行官布拉德·加林豪斯（Brad Garlinghouse）強調，這種雙重監督將提高對Ripple的Stablecoin Rlusd的信任。

Simultaneously, Ripple is pursuing a Federal Reserve master account through its subsidiary, Standard Custody. This would allow Ripple to hold RLUSD reserves directly with the Fed, reducing reliance on commercial banks and enhancing reserve security. Garlinghouse believes this direct custody aligns with institutional expectations and strengthens RLUSD's position in the competitive stablecoin market.

同時，Ripple正在通過其子公司標準監護權追求美聯儲主帳戶。這將使Ripple可以直接與美聯儲保持RLUSD儲備，從而減少對商業銀行的依賴並提高儲備安全。加林豪斯（Garlinghouse）認為，這種直接監護權與機構期望保持一致，並加強了RLUSD在競爭性穩定市場中的地位。

A Changing Regulatory Landscape

不斷變化的監管景觀

Ripple's applications coincide with a shift in Washington's policy towards crypto. The rollback of restrictions on banks serving crypto firms has created a more favorable environment for companies seeking direct links with the U.S. banking system. Ripple's move could serve as a benchmark in this transition, meeting the growing demand for stable, trusted digital payment systems.

Ripple的應用程序與華盛頓對加密貨幣的政策的轉變相吻合。服務加密貨幣公司的銀行限制的回滾為尋求與美國銀行系統的直接聯繫的公司創造了一個更有利的環境。 Ripple的舉動可以在此過渡中作為基準，滿足對穩定，值得信賴的數字支付系統的不斷增長的需求。

RLUSD: A Regulated Alternative

RLUSD：受監管的替代方案

Ripple's stablecoin, RLUSD, is positioned as a fully regulated alternative in the rapidly expanding stablecoin sector. The company's efforts aim to ensure RLUSD meets evolving compliance standards while facilitating cross-border payments. By crafting an infrastructure that supports large-scale financial operations, Ripple hopes to accelerate RLUSD adoption, especially among institutions that prioritize regulatory clarity and risk mitigation.

Ripple的Stablecoin Rlusd被定位為快速擴展的Stablecoin部門的完全調節的替代方案。該公司的努力旨在確保RLUSD符合不斷發展的合規標準，同時促進跨境支付。通過制定支持大規模金融業務的基礎設施，Ripple希望加快採用RLUSD的採用，尤其是在優先考慮監管清晰度和降低風險的機構中。

The Bigger Picture: Stablecoin Expansion

大局：Stablecoin擴展

Ripple isn't the only player making moves. Circle is also seeking a national trust bank license, indicating a broader trend towards aligning stablecoin operations with U.S. banking law. Even PayPal is expanding its stablecoin, PYUSD, by launching it on the Stellar network, pending regulatory approval. This expansion aims to broaden access to PYUSD for developers and users, highlighting the increasing importance of stablecoins in everyday payments and financial activities.

波紋不是唯一的動作球員。 Circle還尋求國家信託銀行許可證，表明將Stablecoin運營與美國銀行法保持一致的趨勢更廣泛。甚至PayPal也通過在恆星網絡上啟動穩定的Pyusd來擴展其穩定的Pyusd。這一擴展旨在擴大開發人員和用戶對Pyusd的訪問，並強調Stablecoins在日常付款和財務活動中的重要性。

My Take: A Necessary Step Forward

我的看法：前進的必要一步

In my opinion, Ripple's pursuit of a national bank charter and a Fed master account is a crucial step towards legitimizing the crypto industry. The increased regulatory oversight will foster greater trust and confidence, attracting both institutional and retail investors. While the OCC review may take months, Ripple's commitment to compliance and its strong relationship with the NYDFS position it well for success. This move could indeed place Ripple ahead of its competitors in integrating with the U.S. financial system, as Ripple has a lot of regulatory experience in the United States.

我認為，Ripple對國家銀行憲章的追求和美聯儲大師帳戶是朝著合法化加密貨幣行業的關鍵一步。增加的監管監督將促進更大的信任和信心，吸引機構和散戶投資者。儘管OCC審查可能需要幾個月的時間，但Ripple對合規性的承諾及其與NYDFS立場的牢固關係為成功。由於Ripple在美國擁有很多監管經驗，因此這一舉動確實可以使Ripple與競爭對手融為一體。

As PayPal CEO Alex Chriss put it, "More blockchains, greater access—and we’re not stopping now." It's clear that the future of finance is being shaped by these bold moves, and Ripple is right in the thick of it.

正如貝寶（Paypal）首席執行官亞歷克斯·克里斯（Alex Chriss）所說：“更多的區塊鏈，更大的訪問權限 - 我們現在不停止。”很明顯，財務的未來是由這些大膽的舉動塑造的，波紋就在其中。

So, keep an eye on this space, folks! It's gonna be an interesting ride.

所以，請注意這個空間，伙計們！這將是一個有趣的旅程。