美联储消除了参与加密货币和稳定活动的银行的限制

在此之前，美联储实施了限制，禁止银行未经同意而参与加密货币和Stablecoin活动。

The Federal Reserve has canceled a requirement for prior consent before banks can participate in cryptocurrency and stablecoin activities. This was announced by the central bank on April 24, 2025.

美联储已经取消了事先同意的要求，然后银行可以参加加密货币和稳定活动。中央银行于2025年4月24日宣布了这一点。

It follows other rescissions by the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC) that have also pulled their crypto guidance. Now, banks can supervise these digital asset activities as they would any other banking service on a normal basis.

它是在联邦存款保险公司（FDIC）和货币审计体办公室（OCC）办公室进行的其他撤消之后的，这些办公室也提出了加密指导。现在，银行可以监督这些数字资产活动，因为它们将正常任何其他银行服务。

A New Era for Crypto Banking

加密银行的新时代

The move from the Federal Reserve also reverses a 2022 supervisory letter that had instructed banks to inform regulators before they engage in crypto business. A similar rescission was also placed on a 2023 letter that imposed similar stablecoin activities. “The Board is rescinding its 2022 supervisory letter establishing an expectation that state member banks provide advance notification of planned or current crypto-asset activities,” the Federal Reserve stated in its announcement.

从美联储的转变还扭转了一封2022年的监督信，该信指示银行在从事加密货币业务之前向监管机构通知监管机构。在2023年的字母上也放置了类似的撤销，该字母实施了类似的稳定活动。美联储在公告中说：“董事会正在撤销其2022年的监督信，确定州成员银行提供有关计划或当前加密资产活动的预先通知的期望。”

In doing this, it removes a massive obstacle for banks in offering crypto services such as custody, trading, or stablecoin issuance. Previously, banks had to deal with these risks, so they were discouraged from getting into the space.

为此，它消除了银行在提供托管，交易或稳定发行等加密服务方面的巨大障碍。以前，银行不得不应对这些风险，因此他们不鼓励进入该空间。

The action is part of a wider effort to bring digital assets to traditional finance. Crypto banks such as Custodia and Kraken Financial have long sought more access to Federal Reserve services, including master accounts, for years. The new policy could enable such institutions to extend their range of amenities.

该行动是将数字资产带入传统金融的更广泛努力的一部分。多年来，Custodia和Kraken Financial等加密银行长期以来一直在寻求更多的美联储服务，包括主帐户。新政策可以使此类机构能够扩展其便利范围。

Implications for the Financial Sector

对金融部门的影响

The adoption of cryptocurrency by more conventional banks is likely to accelerate as a result of this. This is now allowing banks to create crypto-related products without going through a pre-clearance process, which can increase liquidity in digital currency markets.

由于这种情况，更常规的银行采用加密货币很可能会加速。现在，这允许银行在不经过前清算过程的情况下创建与加密相关的产品，这可以增加数字货币市场的流动性。

The transition occurs within a more advantageous regulatory framework established by the administration. That is seen as moving toward fulfilling the guarantees made in the battle to evade banks from restrictions for blockchain.

过渡发生在政府建立的更有利的监管框架内。这被视为朝着履行逃避银行摆脱区块链的限制的战斗中的保证。

However, the banks that engage in crypto activities will be monitored. The Federal Reserve said that standard supervisory processes would be used to monitor these activities to ensure that existing rules are followed. In this case, it suggests innovation and at the same time avoids the financial crisis.

但是，从事加密活动的银行将受到监控。美联储表示，标准监督程序将用于监视这些活动，以确保遵守现有规则。在这种情况下，它暗示了创新，同时避免了金融危机。

This might also help develop stablecoins, digital currencies pegged to assets like the U.S. Stablecoins have been paid more heed on account of their capacity to empower fast, minimal expense exchanges.

这也可能有助于开发稳定的稳定，数字货币与美国稳定币这样的资产挂钩，因为他们的能力赋予了快速，最小的费用交易所的能力，因此获得了更多的关注。

Smaller banks and fintechs may get the most out of the relaxed rules, as they will now be able to compete with large institutions on offering crypto services. This would let in new products like crypto custody solutions or blockchain-based payments systems.

较小的银行和金融科技公司可能会充分利用轻松的规定，因为它们现在将能够与大型机构竞争加密服务。这将使新产品等新产品等新产品或基于区块链的支付系统。

If banks are exploring these opportunities and if the financial sector is to enter a phase of blockchain technology integration, then so it will be.

如果银行正在探索这些机会，并且金融部门要进入区块链技术集成的阶段，那就这样了。