Circle的大胆举动：美国信托银行的USDC和Stablecoins的未来

Circle申请美国信托银行宪章，标志着USDC和更广泛的Stablecoin行业的关键时刻，可能会重塑监管景观。

Circle's Bold Move: A US Trust Bank for USDC and the Future of Stablecoins

Circle的大胆举动：美国信托银行的USDC和Stablecoins的未来

Circle, the issuer of USDC, is making waves with its application to establish a national trust bank. This move could redefine how stablecoins are regulated and operated in the US, especially with the GENIUS Act on the horizon.

USDC的发行人Circle随着其建立国家信托银行的应用而引起了轰动。这一举动可以重新定义在美国如何调节和操作的稳定剂，尤其是在《天才法案》中。

What's the Big Deal?

有什么大不了的？

Circle's application to the Office of the Comptroller of the Currency (OCC) to form a federally regulated national trust bank is a strategic play. If approved, Circle's First National Digital Currency Bank would oversee the custody of USDC reserves and offer services to institutions, all under the watchful eye of the OCC. This aligns Circle with traditional financial institutions and could streamline operations across state lines, sidestepping the need for individual state licenses.

Circle在货币审计体办公室（OCC）的办公室申请形成联邦监管的国家信托银行是一项战略性的作用。如果获得批准，Circle的第一家国家数字货币银行将监督USDC储备的监护权，并向机构提供服务，所有这些都在OCC的关注下。这使圈子与传统的金融机构保持一致，并可以简化跨州线路的运营，从而避开了对各个国家许可的需求。

Key Benefits of a National Trust Bank

国家信托银行的主要好处

• Federal Oversight: Direct regulation by the OCC ensures compliance and stability.
• Nationwide Operations: No need for separate licenses in each state, simplifying expansion.
• Institutional Services: Offering regulated digital asset custody services to institutions.
• GENIUS Act Compliance: Aligning with potential requirements under the GENIUS Act.

Circle's Vision

圈子的愿景

Circle CEO Jeremy Allaire emphasizes that this move is about strengthening USDC infrastructure and aligning with emerging US regulations for dollar-denominated stablecoins. He believes this can enhance the reach and resilience of the US dollar and support crucial market-neutral infrastructure for leading institutions.

Circle首席执行官Jeremy Allaire强调，这一举动是关于加强USDC基础设施，并与新兴的以美元计价的Stablecoins的规定保持一致。他认为，这可以提高美元的覆盖范围和韧性，并为领先机构提供关键的市场基础设施。

Who Else Is in the Game?

游戏中还有谁？

Circle isn't alone. Other crypto firms, including Fidelity's digital currency arm, are also eyeing national bank charters. Anchorage Trust Company already paved the way, becoming the first crypto firm to receive a license from the OCC in January 2021.

圈子并不孤单。其他加密公司，包括富达的数字货币部门，也在关注国家银行宪章。 Anchorage Trust Company已经铺平了道路，成为2021年1月从OCC获得许可证的第一家加密货币公司。

My Take

我的看法

This move by Circle is a smart one. By proactively seeking federal oversight, Circle is positioning itself as a leader in the stablecoin space. The GENIUS Act, if passed, will create new guardrails for stablecoins, and Circle is getting ahead of the curve. It's like they're saying, "We're not just playing the game; we're helping write the rules."

这一举动是聪明的。通过积极寻求联邦监督，圈子将自己定位为Stablecoin领域的领导者。 《天才法案》（如果通过）将为Stablecoins创建新的护栏，而Circle则领先于曲线。就像他们在说：“我们不仅在玩游戏；我们正在帮助编写规则。”

Looking Ahead

展望未来

The OCC has a 30-day comment period for Circle's application and typically decides within 120 days after receiving a complete application. Keep an eye on this space – it's shaping up to be a pivotal moment for stablecoins and the future of finance.

OCC在Circle的申请中有30天的评论期，通常在收到完整申请后的120天内决定。密切关注这个空间 - 它正在成为稳定币和财务未来的关键时刻。

So, what's next? Grab some popcorn and watch as Circle potentially revolutionizes the stablecoin landscape. It's gonna be a wild ride!

那么，下一步是什么？抓住一些爆米花，看着Circle可能彻底改变了Stablecoin景观。这将是一个疯狂的旅程！