美联储委员会做出了重大举动

美联储委员会在周四采取了重大行动，以简化与加密货币和数字美元令牌互动的银行规则

The Federal Reserve Board has made a significant move to simplify rules for banks engaging with cryptocurrencies and digital dollar tokens, aiming to foster innovation while keeping risks in mind, a decision that will shape how banks interact with these emerging technologies.

美联储委员会采取了重大行动，简化了与加密货币和数字美元代币交往的银行的规则，旨在促进创新的同时牢记风险，这一决定将影响银行与这些新兴技术的互动方式。

To understand this, cryptocurrencies like Bitcoin or XRP are digital forms of money that operate on secure, decentralized technology, and dollar tokens are digital versions of the U.S. dollar, usually backed by assets to maintain a stable value.

为了理解这一点，像比特币或XRP这样的加密货币是在安全，分散的技术和美元代币上运行的数字货币形式，是美元的数字版本，通常由资产支持以保持稳定的价值。

Last year, the Federal Reserve required banks under its oversight to notify it in advance if they planned to engage with cryptocurrencies, allowing the Fed to review potential risks like fraud or instability. However, this requirement has now been eliminated, permitting banks to handle crypto activities without prior notification. Instead, the Fed will monitor these activities during routine bank examinations, treating them like other banking operations.

去年，美联储要求其监督银行，如果他们计划与加密货币互动，则将其提前通知，并允许美联储审查诸如欺诈或不稳定之类的潜在风险。但是，现在已经取消了这一要求，允许银行在没有事先通知的情况下处理加密活动。取而代之的是，美联储将在常规银行考试期间监视这些活动，并像对待其他银行业务一样对待它们。

Moreover, the Federal Reserve has scrapped a rule that was set to come into effect this year requiring banks to get a formal “nonobjection” approval before engaging in dollar token activities, such as issuing or managing digital dollars on blockchain networks. This change removes a layer of bureaucracy, making it easier for banks to explore technologies for tokenized payments, stablecoins, or other services.

此外，美联储已经取消了一项规则，该规则将在今年生效，要求银行在进行美元代币活动之前获得正式的“非反应”批准，例如在区块链网络上发行或管理数字美元。这种变化消除了一层官僚主义，使银行更容易探索用于代币化的付款，Stablecoins或其他服务的技术。

The Federal Reserve, together with the Federal Deposit Insurance Corporation, is also aligning with the Office of the Comptroller of the Currency to withdraw two joint statements that had set the stage for a cautious approach to crypto.

美联储与联邦存款保险公司一起，也与货币审计长办公室保持一致，以撤回两个联合声明，这为谨慎的加密方法奠定了基础。

Earlier this year, the three agencies had released statements setting strict guidelines for banks’ crypto activities and risk exposures, a move that came after several U.S. banks began offering crypto services. These statements had set a cautious tone, emphasizing the need for banks to manage risks carefully and stay within the agencies’ limited approval for crypto activities.

今年早些时候，这三个机构发布了对银行加密活动和风险曝光的严格指南的声明，此举是在美国几家银行开始提供加密服务后采取的。这些陈述定义了谨慎的基调，强调了银行需要仔细管理风险并留在该机构对加密活动的有限批准中。

But with this step back, the agencies are signaling a more flexible approach, planning to collaborate on new guidance to support safe innovation in the rapidly evolving crypto space.

但是，随着这一退后一步，这些代理机构标志着一种更灵活的方法，计划在新的指导下进行合作，以支持快速发展的加密货币空间中的安全创新。

This shift comes as the Federal Reserve has observed that the crypto landscape is changing rapidly, with banks showing increasing interest in offering services like crypto custody or tokenized dollar transactions.

这种转变是因为美联储观察到加密货币景观正在迅速变化，银行对提供加密货币或令牌美元交易等服务的兴趣越来越大。

In response, the central bank is aiming to streamline oversight, encouraging banks to innovate in crypto while ensuring risks are managed through standard supervision. This balances the potential of digital assets to transform finance with the need for stability in the banking system.

作为回应，中央银行的目标是简化监督，鼓励银行在加密货币中进行创新，同时通过标准监督来确保风险得到管理。这可以平衡数字资产转化金融的潜力与银行系统中稳定的需求。