美国银行体系已正式准备进行数字发展，因为OCC确认其准备支持区块链，稳定币和加密货币驱动的金融服务。

监督国家银行和联邦储蓄协会的联邦机构货币审计长办公室（OCC）重申了其在银行部门采用加密货币方面的立场

The U.S. banking system is officially primed for a digital evolution as the OCC confirms its readiness to support blockchain, stablecoins, and crypto-powered financial services.

美国银行体系已正式准备进行数字发展，因为OCC确认其准备支持区块链，稳定币和加密货币驱动的金融服务。

The Office of the Comptroller of the Currency (OCC) has stated that the federal banking system is well positioned to engage in digital asset activities.

货币审计长办公室（OCC）表示，联邦银行体系有能力从事数字资产活动。

“OCC Interpretive Letters 1183 and 1184 clarify and confirm national banks may engage in certain crypto-asset activities, provided they do so in a safe, sound and fair manner,” the regulator shared on Saturday via X.

监管机构在周六通过X分享说：“ OCC解释信1183和1184澄清并确认国家银行可以从事某些加密资产活动，只要他们以安全，合理和公正的方式进行。”

The agency’s statement highlights its broader recognition that digital assets are transforming financial services and require clear regulatory engagement.

该机构的声明强调了其更广泛的认识，即数字资产正在转变金融服务，需要明确的监管参与。

In March 2025, the OCC issued Interpretive Letter 1183, affirming that national banks and federal savings associations may engage in crypto-asset custody, hold stablecoin reserves, and participate in distributed ledger networks for payment activities. This letter cancels Interpretive Letter 1179, removing the prior need for supervisory non-objection before engaging in these activities.

2025年3月，OCC发出了解释性信1183，确认国家银行和联邦储蓄协会可以从事加密资产管理，持有稳定的储备，并参与分布式分类帐网络进行付款活动。这封信取消了解释性信1179，在从事这些活动之前，取消了先前对监督性非敬意的需求。

Later, in May 2025, the OCC issued Interpretive Letter 1184, detailing that national banks and federal savings associations are authorized to provide crypto-asset custody services, encompassing buying and selling assets held in custody at the customer’s request.

后来，在2025年5月，OCC发出了解释性信1184，详细介绍了国家银行和联邦储蓄协会被授权提供加密资产管理保管服务，包括应客户要求持有的买卖资产。

Together, the two letters provide a structured framework for banks to explore blockchain-based services.

这两个字母共同为银行提供了一个结构化框架，以探索基于区块链的服务。

“More than 50 million Americans now hold some form of cryptocurrency, and digital assets continue to represent hundreds of billions in financial activity,” said Acting Comptroller of the Currency Rodney E. Hood.

“现在有超过5000万美国人拥有某种形式的加密货币，数字资产继续代表了数百万美元的金融活动，”货币货币Rodney E. Hood的代理审计长说。

“The digitalization of financial services is not a trend—it is a transformation.”

“金融服务的数字化不是趋势，而是一种转变。”

While some critics see crypto exposure as a potential risk factor for financial stability, proponents view the OCC’s focused attention and interpretive guidance as crucial for responsible innovation. They argue that providing a defined framework encourages traditional banking institutions to safely explore blockchain technologies. This support, they add, is key for modernization efforts and expanding access to new financial instruments.

尽管一些批评家将加密货币视为财务稳定性的潜在风险因素，但支持者认为OCC的集中注意力和解释性指导是对负责任创新的至关重要的。他们认为，提供定义的框架鼓励传统的银行机构安全探索区块链技术。他们补充说，这种支持是现代化工作和扩大新金融工具的访问的关键。