Ripple的大膽舉動：銀行許可證和美聯儲訪問任務

Ripple通過尋求國家銀行許可並獲得美聯儲的機會來引起轟動，從而有可能徹底改變其在彌合加密和傳統金融中的作用。

Ripple's Bold Move: Banking License and Fed Access Quest

Ripple的大膽舉動：銀行許可證和美聯儲訪問任務

Ripple, known for its XRP altcoin, is diving deeper into traditional finance. Their recent applications for a national banking license and Fed access could redefine their operations. Let's break down what this means.

Ripple以其XRP Altcoin而聞名，他正在深入研究傳統金融。他們最近在國家銀行許可證和美聯儲訪問權限的申請中可以重新定義其業務。讓我們分解這意味著什麼。

Ripple Eyes Traditional Finance

波紋眼睛傳統金融

Ripple isn't just dabbling; they're making serious moves. Fresh off the press, Ripple has applied for a national banking license with the U.S. Office of the Comptroller of the Currency (OCC). This would allow them to operate as a federally regulated bank, holding assets and managing cash reserves without relying on other banks. Circle, Coinbase and Paxos are also exploring similar moves.

波紋不僅涉足；他們正在採取嚴肅的舉動。 Ripple剛從媒體上嶄露頭角，已在美國貨幣審計長辦公室（OCC）申請了國家銀行許可證。這將使他們能夠以聯邦監管的銀行運營，持有資產和管理現金儲備，而無需依靠其他銀行。圓圈，共同基礎和Paxos也正在探索類似的動作。

RLUSD Stablecoin: A Regulatory Bridge

RLUSD Stablecoin：監管橋

This move is intertwined with Ripple's RLUSD stablecoin, launched in December 2024. Already making waves with a market cap exceeding $300 million (now closer to $469 million!), RLUSD is fully backed by U.S. dollar deposits, treasuries, and cash equivalents. A national banking license would bring RLUSD under the OCC's regulatory purview, potentially setting a new bar for transparency, according to Ripple's SVP of Stablecoins, Jack McDonald.

此舉與Ripple的Rlusd Stablecoin交織在一起，該舉動於2024年12月推出。已經在超過3億美元的市值（現已接近4.69億美元！）的浪潮中，得到了美元的押金，巨額金錢和現金等價。根據Ripple的Stablecoins傑克·麥克唐納（Jack McDonald）的高級副總裁，國家銀行許可將使RLUSD受到OCC的監管權限，有可能為透明度設定新的透明度。

Accessing the Fed: A Game Changer?

訪問美聯儲：改變遊戲規則的人？

But wait, there's more! Ripple is also seeking a master account with the Federal Reserve through its subsidiary, Standard Custody & Trust Company. This would allow them to hold RLUSD reserves directly with the Fed, adding an extra layer of security. Ripple CEO Brad Garlinghouse confirmed this in an X post, emphasizing their commitment to compliance.

但是等等，還有更多！ Ripple還通過其子公司，標準監護權和信託公司尋求與美聯儲的主帳戶。這將使他們可以直接與美聯儲保持RLUSD儲備，從而增加了一層安全性。 Ripple首席執行官Brad Garlinghouse在X帖子中證實了這一點，強調了他們對合規性的承諾。

Why This Matters

為什麼這很重要

If approved, Ripple could become the first crypto firm with both state (NYDFS) and federal oversight. This dual regulation could boost trust in the stablecoin market. Furthermore, direct Fed access would enable Ripple to issue or redeem stablecoins even outside of regular banking hours.

如果獲得批准，Ripple可能會成為州（NYDFS）和聯邦監督的第一家加密貨幣公司。這種雙重法規可以提高對Stablecoin市場的信任。此外，直接的美聯儲訪問將使Ripple甚至在常規銀行工時之外簽發或贖回Stablecoins。

My Take: A Calculated Risk with Potential Rewards

我的看法：具有潛在獎勵的計算風險

While navigating regulatory hurdles is never easy, Ripple's proactive approach could pay off big time. By embracing regulation and seeking closer ties with traditional finance, Ripple is positioning itself as a bridge between the old and the new. This could attract more institutional investors and mainstream adoption of RLUSD. It's a bold move, but one that could redefine Ripple's future. Considering the SEC's past scrutiny, this push for compliance seems strategically sound.

雖然導航監管障礙絕非易事，但Ripple的積極主動方法可能會帶來很多時間。通過擁抱監管並尋求與傳統金融的緊密聯繫，Ripple將自己定位為新舊之間的橋樑。這可能會吸引更多的機構投資者和RLUSD的主流採用。這是一個大膽的舉動，但可以重新定義Ripple的未來。考慮到SEC過去的審查，這一努力在戰略上似乎是合理的。

What's Next?

接下來是什麼？

The journey to regulatory approval is long and winding. Whether Ripple will secure both the banking license and Fed access remains to be seen. But one thing is clear: Ripple is not backing down from its ambition to play a major role in the future of finance. Keep an eye on this space – it's gonna be interesting!

監管批准的旅程漫長而蜿蜒。 Ripple是否可以確保銀行許可證和美聯儲訪問權限尚待查看。但是有一件事很清楚：Ripple並沒有從其野心中退縮，以在財務的未來中發揮重要作用。密切關注這個空間 - 這將很有趣！