美国美联储允许银行从事加密货币和Stablecoin活动

采取了重大行动，美国美联储已经撤消了以前的反克里普托指导，现在允许银行从事加密货币和Stablecoin活动。

The U.S. Federal Reserve has quietly rescinded previous anti-crypto guidance, now permitting banks to engage in crypto and stablecoin activities, according to a recent report by Blockware. This decision, made on April 24, 2025, is seen as a step toward supporting innovation in the financial sector, with the Fed noting that it aims to align expectations with the evolving risks in the banking system.

根据Blockware最近的一份报告，美国美联储已悄悄地撤销了先前的反克里普托指导，现在允许银行从事加密货币和Stablecoin活动。该决定于2025年4月24日做出，被视为支持金融部门创新的一步，美联储指出，它旨在使期望与银行体系中不断发展的风险保持一致。

Over the past few years, U.S. regulators, including the Federal Reserve, the FDIC (Federal Deposit Insurance Corporation), and the OCC (Office of the Comptroller of the Currency), have expressed caution regarding banks’ involvement in crypto assets and stablecoins. Concerns ranged from the volatility and liquidity of crypto markets to legal risks. However, the Fed’s recent move, which involves rolling back two supervisory letters issued in 2022 and 2023, signals a shift in their stance.

在过去的几年中，美国的监管机构，包括美联储，外国国外保险公司（联邦存款保险公司）和OCC（货币审计器的办公室），对银行参与加密货币资产和稳定股的介入表示谨慎。关注范围从加密市场的波动和流动性到法律风险。但是，美联储最近的举动涉及回滚2022年和2023年发出的两封监督信，这标志着他们的立场发生了变化。

While allowing banks to support crypto-related activities, including stablecoins, the Fed noted that regular banking oversight will still apply. The agency stated that it would monitor banks’ crypto-asset activities through standard supervisory processes, and banks are not required to notify the Fed prior to engaging in such activities.

美联储允许银行支持与加密相关的活动（包括Stablecoins），并指出，定期的银行监督仍将适用。该机构表示，它将通过标准监督程序监视银行的加密资产活动，并且在从事此类活动之前，无需银行必须通知美联储。

This change in the Fed’s stance could have significant implications for the crypto market. Michael Saylor, founder of Strategy (formerly MicroStrategy), pointed out that the decision allows banks to begin supporting Bitcoin (BTC).

美联储立场的这种变化可能会对加密货币市场产生重大影响。战略创始人迈克尔·塞勒（Michael Saylor）（以前是Microstrategy）指出，该决定允许银行开始支持比特币（BTC）。

“Good news! The Fed has now cancelled all of its prior advisories to banks re: crypto. This means that banks are now free to begin supporting Bitcoin. They will not be able to ignore the best investment over the last 15 years any longer!” Saylor stated.

“好消息！美联储现在已经取消了对银行的所有先前咨询。塞勒说。

Alex Svanevik, CEO of blockchain analytics firm Nansen, added that the decision is also favorable for banks looking to enter the stablecoin market.

区块链分析公司Nansen的首席执行官Alex Svanevik补充说，该决定也有利于希望进入Stablecoin市场的银行。

“This is a good sign that regulators are adapting to crypto, rather than trying to shut it down or pushing for more time to stall integration,” Svanevik noted.

Svanevik指出：“这是一个好迹象表明，监管机构正在适应加密货币，而不是试图将其关闭或推动更多时间停止集成。”

However, Caitlin Long, founder of Custodian Bank, cautioned that the Fed did not rescind all anti-crypto measures. A key piece of guidance issued in 2023 via a Board vote remains in place, which could still present challenges for the broader crypto sector.

但是，托管银行的创始人凯特琳·朗（Caitlin Long）警告说，美联储并未撤销所有反对措施。 2023年通过董事会投票发布的关键指导仍然存在，这仍然可能给更广泛的加密货币领域带来挑战。

“They did NOT cancel the 2023 (Board-voted) guidance (still no new guidance from the Board). So, still no BDCs, no SPVs, and no 'material portion' of a bank's business being funded by 'digital assets.' Congress will need to pass the stablecoin bill to get the remaining guidance cancelled,” Long explained.

“他们没有取消2023年（董事会投票）的指导（董事会仍然没有新的指导）。因此，仍然没有BDC，没有SPV，也没有由“数字资产”资助的银行业务的“物质部分”。国会将需要通过稳定法案，以取消剩余的指导。”

The FDIC, which is a key regulator of commercial banks, has also been taking steps to investigate the so-called “crypto de-banking” trend under the Biden Administration. Recently, the FDIC announced an inquiry into the practices of several large banks, part of an effort to understand how the rapid growth of the crypto industry is affecting banking services.

FDIC是商业银行的关键监管机构，也一直在采取措施调查Biden Administration下所谓的“加密货运”趋势。最近，FDIC宣布对几家大型银行的做法进行调查，这是了解加密行业如何影响银行服务的一部分。