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Circle成为一家国家信托银行的举动,信号是一个重大转变,在传统金融和加密货币之间模糊,可能会重塑Stablecoins和Crypto Banking的未来。
Circle, Stablecoins, and Crypto Banks: Navigating the New Financial Frontier
圈子,稳定银行和加密银行:浏览新的金融领域
The world of crypto is constantly evolving, and the latest development is Circle's ambition to become a national trust bank. This move is more than just a headline; it signifies a potential paradigm shift in how stablecoins and crypto institutions operate within the broader financial system.
加密世界一直在不断发展,最新的发展是Circle成为国家信托银行的野心。这一举动不仅仅是标题。它表明,稳定机构和加密机构在更广泛的金融体系中的运作方式可能发生了潜在的范式转变。
Circle's Bold Move: Challenging the Traditional Banking Model
Circle的大胆举动:挑战传统银行模式
Circle, the U.S.'s largest stablecoin company, is making waves with its application to become a federally regulated national trust bank. This isn't just about managing USDC reserves; it's about challenging the very definition of a 'crypto bank.' Circle plans to directly oversee its USDC reserves through federal banks and even offer custody services for institutions. This strategic move reflects a larger trend: the lines between traditional finance and the crypto world are blurring, and fast.
美国最大的Stablecoin公司Circle正在随着其申请成为一个受联邦监管的国家信托银行的轰动。这不仅仅是管理USDC储备金;这是关于挑战“加密银行”的定义。 Circle计划通过联邦银行直接监督其USDC储备,甚至为机构提供监护权服务。这一战略举动反映了一个更大的趋势:传统金融与加密货币世界之间的界限既模糊,又快。
Why a Trust Bank Charter Matters
为什么信托银行宪章很重要
Applying for a U.S. national trust bank license allows Circle to streamline compliance across the country, which reduces the headache of dealing with different state regulations. A national charter would let Circle operate under one unified regulatory framework, boosting the efficiency and scalability of its services. The proposed trust bank, First National Digital Currency Bank, N.A., aims to manage Circle's USDC reserves directly, a change from using current custodians. This move also enables Circle to offer custody services for tokenized stocks and bonds, aligning with its strategy to grow its position in the digital asset market.
申请美国国家信托银行许可证允许Circle简化全国的合规性,从而减少了处理不同州法规的头痛。一份国家宪章将允许圈子在一个统一的监管框架下运作,从而提高其服务的效率和可扩展性。拟议的信托银行NA旨在直接管理Circle的USDC储备,这是使用当前的托管人的变化。此举还使Circle能够为令牌化股票和债券提供监护权服务,从而符合其在数字资产市场中的地位的策略。
The Regulatory Landscape: GENIUS Act and Beyond
监管景观:天才法和超越
Circle’s proactive approach comes as the U.S. is increasingly looking to integrate virtual assets into the existing financial framework. The company is preparing for potential changes under the GENIUS Act, a proposed bill designed to introduce stricter oversight for dollar-backed stablecoins. CEO Jeremy Allaire emphasizes Circle's dedication to building neutral, robust infrastructure to support the U.S. dollar’s global role.
Circle的积极主动方法是因为美国越来越希望将虚拟资产整合到现有的财务框架中。该公司正在为《天才法案》(Genius Act)的潜在变化做准备,该法案旨在引入对美元支持的稳定股(Stablecoins)进行更严格的监督。首席执行官杰里米·阿莱尔(Jeremy Allaire)强调了Circle致力于建立中性,强大的基础设施来支持美元的全球角色。
The End of 'Debanking'? A Potential Silver Lining
“撤销”的结尾?潜在的银线
The Federal Reserve's recent decision to remove 'reputational risk' from its examination framework for banks could positively affect crypto. This update aims to make bank assessments more transparent by focusing on concrete financial risks rather than subjective concerns. For years, crypto firms have faced difficulties in securing banking services due to perceived reputational risks, but this policy change might signal a turning point, potentially encouraging banks to re-evaluate partnerships with crypto businesses.
美联储最近决定从其银行检查框架中删除“声誉风险”的决定可能会对加密货币产生积极影响。此更新旨在通过专注于具体的财务风险而不是主观问题来使银行评估更加透明。多年来,由于声誉风险,加密货币公司在确保银行服务方面遇到困难,但是这种政策变化可能标志着转折点,可能鼓励银行与加密货币企业重新评估合作伙伴关系。
My Take: Circle's Vision and the Future of Crypto Banking
我的看法:Circle的愿景和加密银行的未来
Circle's pursuit of a national bank charter isn't just about compliance; it's a strategic move to legitimize and stabilize the crypto industry. Securing such a license could catalyze further institutional adoption and integration of cryptocurrency solutions within mainstream financial services. It is similar to a company town controlling its own currency, while also managing the funds of those who live there. As a New Yorker, I have seen it all, but Circle's potential trust bank could reshape how regulated stablecoin issuers operate within the U.S. financial system.
Circle对国家银行宪章的追求不仅仅是合规性;这是合法化和稳定加密行业的战略举动。获得这样的许可可以促进主流金融服务中加密货币解决方案的进一步采用和整合。它类似于一个控制自己的货币的公司城镇,同时还管理居住在那里的人的资金。作为纽约客,我已经看到了这一切,但是Circle的潜在信任银行可以重塑美国金融体系中监管的Stablecoin发行人如何运作。
The Road Ahead
前面的道路
The OCC's approval process is ongoing, but previous charters granted to crypto-native firms suggest a growing regulatory acceptance of blockchain-based financial services. Keep an eye on this space – Circle's journey could redefine the future of finance. Who knows, maybe one day we'll all be banking with crypto!
OCC的批准过程正在进行中,但是以前授予加密本地公司的宪章表明,基于区块链的金融服务的监管越来越多。密切关注这个空间 - Circle的旅程可以重新定义财务的未来。谁知道,也许有一天我们都会与加密货币一起银行!
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