据报道，美国数字资产公司正在考虑申请银行宪章和许可证

特朗普政府对加密货币行业更有利的立场的鼓励，几家美国数字资产公司正在考虑申请银行宪章和许可。

Several U.S. digital asset firms are considering applying for bank charters and licenses, the Wall Street Journal reported on Wednesday, citing people familiar with the matter.

《华尔街日报》周三报道，几家美国数字资产公司正在考虑申请银行宪章和许可证。

Among the digital asset firms that are contemplating acquiring the bank charters or licenses are stablecoin issuers Circle and Paxos, the report stated. Crypto exchange Coinbase and digital asset infrastructure provider Bitgo are also reportedly seeking to obtain banking licenses.

报告说，正在考虑获取银行宪章或许可证的数字资产公司中有Stablecoin发行人圈和Paxos。据报道，加密交易所Coinbase和数字资产基础设施提供商BitGo也正在寻求获得银行许可证。

The report adds that the firms are planning to apply for the charters or licenses as they seek to take advantage of the Trump administration’s more conciliatory stance toward the digital asset industry.

该报告补充说，这些公司正计划申请宪章或许可，因为他们试图利用特朗普政府对数字资产行业的更和解立场。

Since assuming office January 20, the Trump administration has been moving to fulfill its campaign pledge to end government hostility toward the cryptocurrency industry. To achieve this, the administration has appointed known crypto advocates to key government posts.

自1月20日上任以来，特朗普政府一直在履行其竞选承诺，以结束政府对加密货币行业的敌意。为了实现这一目标，政府已任命已知的加密货币倡导者担任关键政府职位。

For example, the Trump administration’s nominee for chairman of the U.S. Securities and Exchange Commission, Paul Atkins, was recently confirmed by the U.S. Senate. A Harvard Law School graduate, Atkins previously served as a commissioner at the Commodity Futures Trading Commission (CFTC) from 2001 to 2008.

例如，美国参议院最近确认了特朗普政府为美国证券交易委员会主席保罗·阿特金斯（Paul Atkins）提名。阿特金斯（Atkins）是哈佛法学院的毕业生，此前曾在2001年至2008年担任商品期货贸易委员会（CFTC）的专员。

Atkins’ confirmation, as well as that of several crypto-friendly figures, has in turn convinced crypto firms to seek bank charters or licenses two years after the collapse of FTX prompted players in the banking system to shun the digital asset industry.

阿特金斯（Atkins）的确认以及几个对加密货币友好型数字的确认，反过来又说服了加密货币公司在FTX崩溃两年后寻求银行宪章或许可证，促使银行系统中的玩家避开了数字资产行业。

According to the WSJ report, some of the digital assets firms are keen on securing national trust or industrial bank charters, which would enable them to take deposits and issue loans. Other firms are reportedly interested in obtaining a license that allows them to issue stablecoins.

根据WSJ报告，一些数字资产公司热衷于确保国家信托或工业银行宪章，这将使他们能够拿存款并发行贷款。据报道，其他公司有兴趣获得允许他们发行Stablecoins的许可。

Although securing a bank charter would make the firms and indeed crypto more intertwined with the banking system, such an approval entails increased scrutiny. Furthermore, complying with the attendant rules may prove costly, as Anchorage Digital, the only crypto firm issued a banking charter, found.

尽管确保银行宪章会使公司和加密货币与银行系统更加交织在一起，但这种批准需要增加审查。此外，遵守服务人规则可能会很昂贵，因为唯一的加密货币公司是锚定数字，这是一家银行宪章。

Besides incurring millions of dollars, Anchorage was once flagged by a banking regulator for having deficiencies in its anti-money laundering systems. Anchorage CEO Nathan McCauley is quoted in the report as saying that having a bank charter has its own challenges but added that he is optimistic that regulations governing banks can be intertwined with the crypto industry.

除了产生数百万美元外，安克雷奇曾经被银行监管机构标记，因为它的反洗钱系统中有缺陷。报道中引用了安克雷奇首席执行官内森·麦考利（Nathan McCauley）的话说，拥有银行宪章有其自身的挑战，但他补充说，他对管理银行的法规可以与加密货币行业交织在一起很乐观。

“[The] whole gamut of regulatory and compliance obligations that banks have can be intertwined with the crypto industry,” McCauley said.

麦卡利说：“银行拥有的整体监管和合规义务可以与加密行业交织在一起。”