美联储命令加密友好银行限制数字资产客户的风险

客户银行已同意解决监管机构对其未能正确遵守数字资产客户要求的担忧。

Customers Bank, which has done business with several of the most prominent crypto firms, has been called out by the U.S. Federal Reserve for inadequately policing illicit activity, particularly with digital asset clients.

与几家最著名的加密货币公司有业务往来的 Customers Bank 因对非法活动（尤其是数字资产客户的非法活动）监管不力而被美联储点名。

In an enforcement agreement signed by the bank's top executives, the Fed noted "significant deficiencies related to the Bank’s risk management practices and compliance with the applicable laws, rules, and regulations relating to anti-money laundering."

在该银行高管签署的执行协议中，美联储指出“该银行的风险管理实践以及遵守反洗钱相关法律、规则和法规方面存在重大缺陷”。

Customers Bank's client list has included top names such as Galaxy Digital (GLXY), Coinbase (COIN) and Circle, and in the wake of last year's tech-bank crisis that saw the demise of leading banks serving crypto customers, such a friendly institution has been hard to come by in the U.S. banking sector. But Customers had already shown signs of struggling with its crypto relationships. In June, CoinDesk reported it was cutting hedge fund activity and had capped its crypto deposits.

Customers Bank 的客户名单包括 Galaxy Digital (GLXY)、Coinbase (COIN) 和 Circle 等顶级品牌，在去年的科技银行危机导致服务加密货币客户的领先银行消亡之后，这样一家友好的机构这在美国银行业是很难得的。但客户已经表现出在加密货币关系方面陷入困境的迹象。 6 月，CoinDesk 报告称其正在削减对冲基金活动并限制其加密货币存款。

The Pennsylvania-based lender, which is owned by Customers Bancorp (CUBI), deals only in U.S. dollars and does not accept cryptocurrency or make loans to support crypto activities. It offers its dozens of digital asset firm clients a real-time, blockchain-based payments platform called Customer Bank Instant Token (CBIT) that lets those crypto clients make U.S. dollar payments around the clock. That service was highlighted in the enforcement action.

这家总部位于宾夕法尼亚州的贷方由 Customers Bancorp (CUBI) 所有，仅以美元进行交易，不接受加密货币或提供贷款来支持加密活动。它为数十家数字资产公司客户提供了一个基于区块链的实时支付平台，称为客户银行即时令牌（CBIT），让这些加密客户可以全天候进行美元支付。这项服务在执法行动中得到了强调。

A spokesman for the bank didn't immediately respond to a request for comment.

该银行发言人没有立即回应置评请求。

Under the order, the bank has to soon provide the Fed a series of written plans and a new approach to compliance, including an agreement to "ensure that the Bank collects, analyzes, and retains complete and accurate information for all customers." The bank must notify the Fed 30 days in advance of taking on "any new strategic initiative, product, service, or relationship with third parties related to the digital asset strategy."

根据该命令，该银行必须尽快向美联储提供一系列书面计划和新的合规方法，其中包括一项“确保该银行收集、分析并保留所有客户完整且准确的信息”的协议。银行必须提前 30 天通知美联储“任何与数字资产战略相关的新战略举措、产品、服务或与第三方的关系”。

The Fed noted that Customers "has begun to take measures to address the identified deficiencies."

美联储指出，客户“已开始采取措施解决已发现的缺陷”。

The agencies that oversee banking in the U.S. – the Fed, Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. – have previously issued guidance to banks meant to limit their exposure to the crypto sector. Last year, the Fed said it was revamping its own digital assets approach, having its new “novel activities supervision program” – with specialized experts – help the regular banking supervisors monitor the overlap of the crypto sector with the banking system.

监管美国银行业的机构——美联储、货币监理署和联邦存款保险公司——此前曾向银行发布指导意见，旨在限制其对加密货币行业的敞口。去年，美联储表示正在改进自己的数字资产方法，制定新的“新颖活动监管计划”——由专业专家组成——帮助常规银行监管机构监控加密货币行业与银行系统的重叠。