Circle的国家信托银行申请：纽约加密法规的一分钟

Circle对国家信托银行宪章的追求信号表明加密货币准备通过拥抱财务框架来准备更广泛的机构采用。

Circle's big move to snag a national trust bank charter from the US OCC is shaking things up in the crypto world. Let's break down what this means.

Circle从美国OCC中抢购国家信托银行宪章的重大举措正在摇动加密货币世界。让我们分解这意味着什么。

Circle's Bold Move: A National Trust Bank

Circle的大胆举动：国家信托银行

On July 1, 2025, Circle threw its hat in the ring, applying to the U.S. Office of the Comptroller of the Currency (OCC) to create a national trust bank. Dubbed First National Digital Currency Bank, this entity would manage reserves for Circle’s USDC stablecoin right here in the United States. Think of it as Circle going legit, aiming for that federal stamp of approval.

2025年7月1日，Circle将其帽子戴上了戒指，申请了美国货币审计长（OCC）的美国办公室创建国家信托银行。该实体被称为第一国数字货币银行，将管理Circle在美国的Circle USDC Stablecoin的储备。将其视为合法的圈子，以寻求联邦认可的邮票。

Why a National Trust Bank?

为什么是国家信托银行？

Circle isn't just doing this for kicks. A national trust bank would operate under federal oversight, offering custodial services without getting into the messy business of loans or deposits. According to Circle CEO Jeremy Allaire, this simplifies compliance, ditching the need for a patchwork of state-based money licenses. It's like trading in a MetroCard for an unlimited pass – way more convenient.

Circle不仅仅是为了踢而这样做。国家信托银行将在联邦监督下运营，提供监护服务，而不会进入贷款或存款的混乱业务。根据Circle首席执行官Jeremy Allaire的说法，这简化了合规性，抛弃了对基于州的货币许可证的拼凑而成。这就像在一个大都会牌中交易以获取无限通行证一样 - 更方便。

The GENIUS Act Connection

天才行为的联系

Here's where it gets interesting. Circle's application is all about prepping for the GENIUS Act, which is making its way through Congress. This legislation sets national rules for stablecoins like USDC. By getting ahead of the game, Circle aims to meet these emerging federal standards. It's like studying for a test way in advance – you're bound to ace it.

这是有趣的地方。 Circle的应用是为了准备《天才法》，该法案正在通过国会进行。这项立法制定了像USDC这样的Stablecoins的国家规则。通过领先游戏，Circle的目标是达到这些新兴的联邦标准。这就像提前学习测试方式一样 - 您一定会喜欢它。

Circle's Stock and Market Reaction

Circle的库存和市场反应

After a strong debut on June 5, 2025, Circle Internet Group stock (CRCL) has seen some ups and downs. While the stock initially surged, it has since stabilized, with daily price swings. Circle's pursuit of a national trust bank charter signals that crypto is readying for broader institutional adoption by embracing existing financial regulatory frameworks.

在2025年6月5日出色的首次亮相之后，Circle Internet Group Stock（CRCL）看到了一些起伏。尽管该股票最初飙升，但自那以后，每日价格波动就稳定了。 Circle追求国家信托银行宪章信号，即加密货币准备通过采用现有的金融监管框架来准备更广泛的机构采用。

Other Players in the Game

游戏中的其他玩家

Circle isn't alone in this race. Other crypto companies, including Fidelity's digital asset unit, are also eyeing national trust bank status. Anchorage Trust Company paved the way, getting OCC approval back in 2021 and becoming Anchorage Digital Bank. It seems everyone wants a piece of the federally regulated pie.

在这场比赛中，圈子并不孤单。包括Fidelity的数字资产单位在内的其他加密公司也在关注国家信托银行的状况。 Anchorage Trust Company铺平了道路，在2021年获得了OCC批准，并成为Anchorage Digital Bank。似乎每个人都想要一块受联邦监管的派。

Final Thoughts

最后的想法

Circle's move to create a national trust bank is a major step towards mainstream crypto adoption. It's about playing by the rules, meeting regulatory demands, and building a solid foundation for the future. As Sei Network put it, this signals that crypto is ready for broader institutional adoption by adopting existing financial regulatory frameworks. So, keep your eyes peeled – the crypto landscape is changing, and Circle is right in the thick of it.

Circle建立国家信托银行的举动是迈向主流加密采用的重要一步。这是关于按规则扮演，满足监管要求，并为未来奠定坚实的基础。正如SEI网络所说，这种信号表明加密货币已准备好通过采用现有的财务监管框架来进行更广泛的机构采用。因此，请保持眼睛剥落 - 加密景观正在发生变化，圆圈正好在其厚度中。