“想都别想”：监管机构如何巧妙地挤压加密货币市场

Ripple 的首席法律官斯图尔特·阿尔德罗蒂 (Stuart Alderoty) 强调了他认为美国监管机构为扼杀加密货币行业而精心策划的行为。

A top legal executive at Ripple has accused U.S. regulators of engaging in a subtle campaign to deter banks from serving the cryptocurrency industry.

Ripple 的一位高级法律主管指责美国监管机构参与了一场微妙的活动，以阻止银行为加密货币行业提供服务。

In a series of posts on the social media platform X on Saturday, Ripple’s chief legal officer, Stuart Alderoty, highlighted what he sees as a coordinated effort by agencies like the Federal Deposit Insurance Corporation (FDIC), Federal Reserve, and Office of the Comptroller of the Currency (OCC) to restrict banking services for crypto-related businesses.

周六，Ripple 首席法律官 Stuart Alderoty 在社交媒体平台 X 上发布了一系列帖子，强调了他认为联邦存款保险公司 (FDIC)、美联储和审计长办公室等机构​​的协调努力。货币局（OCC）限制加密相关业务的银行服务。

Alderoty pointed to the January 2021 rescission of the Fair Access to Banking Rule, which had aimed to ensure equal financial access, under the Biden administration. Later that year, the OCC mandated pre-approval for banks engaging in cryptocurrency activities through Interpretive Letter 1179, followed by the FDIC’s own directives in April 2022.

阿尔德罗蒂指出，拜登政府于 2021 年 1 月废除了公平银行准入规则，该规则旨在确保平等的金融准入。同年晚些时候，OCC 通过 1179 号解释信强制要求银行对从事加密货币活动进行预先批准，随后 FDIC 于 2022 年 4 月发布了自己的指令。

The Federal Reserve, FDIC, and OCC then issued warnings about “crypto risks” in January 2023, with further advisories following in February. These notices claimed that banks were not explicitly barred from serving crypto clients, but Alderoty saw a deeper intent.

美联储、FDIC 和 OCC 随后于 2023 年 1 月发布了有关“加密货币风险”的警告，并于 2 月份发布了进一步的建议。这些通知声称银行并未被明确禁止为加密货币客户提供服务，但阿尔德罗蒂看到了更深层次的意图。

“These warnings include the boilerplate: ‘Banks are not discouraged from serving crypto customers,'” he wrote. “As a former bank GC, I can decode that: ‘Don’t even think about it.'”

“这些警告包括样板：‘银行不会灰心为加密货币客户提供服务，’”他写道。 “作为一名前银行总督，我可以解读这一点：‘想都别想。’”

Having previously served as General Counsel at CIT Group and HSBC North America Holdings, Alderoty stressed that such language is a veiled deterrent.

阿尔德罗蒂此前曾担任 CIT 集团和汇丰北美控股公司的总法律顾问，他强调，这种语言是一种隐蔽的威慑。

“We're seeing the regulators engage in ‘Operation Chokepoint 2.0,'” he added. “In 2012, regulators (FDIC, OCC, Fed) weaponized banks against disfavored industries (gun stores, payday lenders, etc.) under the original ‘Operation Chokepoint.’ Fast forward to 2021: crypto is the new target.”

“我们看到监管机构正在进行‘阻塞点行动 2.0’，”他补充道。 “2012 年，监管机构（FDIC、OCC、Fed）根据最初的‘阻塞点行动’，将银行武器化，以对抗不受青睐的行业（枪支商店、发薪日贷款机构等）。快进到 2021 年：加密货币是新目标。”

The Ripple legal chief’s comments come amid broader concerns from the tech and crypto industries over being “debanked” by financial institutions.

Ripple 法律负责人发表此番言论之际，科技和加密货币行业对金融机构“取消银行业务”产生了更广泛的担忧。

Industry leaders like Marc Andreessen, co-founder of Andreessen Horowitz, have reported that over 30 tech and crypto founders have been “debanked” in the past four years, driving some to leave the country or change industries.

安德森·霍洛维茨 (Andreessen Horowitz) 联合创始人马克·安德森 (Marc Andreessen) 等行业领袖报告称，过去四年中有 30 多名科技和加密货币创始人“破产”，迫使一些人离开该国或更换行业。

“Operation Chokepoint 2.0 is a coordinated conspiracy by government officials to persecute their political opponents by debanking them,” Gemini co-founder Tyler Winklevoss wrote on X Saturday. “This is a federal crime that is ongoing and should be prosecuted.”

Gemini 联合创始人泰勒·文克莱沃斯 (Tyler Winklevoss) 在 X 周六写道：“Operation Chokepoint 2.0 是政府官员协调一致的阴谋，旨在通过剥夺政治对手的银行账户来迫害他们。” “这是一项正在进行的联邦犯罪，应该受到起诉。”