美国美联储已正式退缩了关键规则，该规则曾经限制银行与加密货币和美元支持的代币的互动方式。

LLS退回其加密规则，为银行与Stablecoins互动打开了大门

The U.S. Federal Reserve has quietly rolled back key rules that once restricted how banks engage with cryptocurrencies and dollar-backed tokens, according to a report by Blockworks. The move marks a significant step toward easing regulatory pressure and signals growing openness to digital asset innovation within the U.S. banking system.

根据Blockworks的一份报告，美国美联储悄悄地撤回了关键规则，该规则曾经限制了银行与加密货币和美元支持的代币的互动方式。此举标志着朝着缓解监管压力的重要一步，并表示对美国银行系统内数字资产创新的开放性日益发展。

Why Is the Federal Reserve Pulling Back Its Crypto Rules?

为什么美联储会退缩其加密货币规则？

The FED has withdrawn its 2022 guidlines that required state-chartered banks to notify the Board before offering crypto-related services. Under the new direction, banks will no longer need to send advance notices. Instead, the Fed will oversee crypto activities through its usual supervisory processes—just like any other banking service.

美联储已撤回其2022年指南，该指南要求由州议会的银行在提供与加密相关的服务之前通知董事会。在新的指导下，银行将不再需要发送预先通知。相反，美联储将通过其通常的监督流程来监督加密活动，就像其他任何银行服务一样。

Stablecoin Restrictions Loosened

Stablecoin限制松动

The central bank also rescinded its 2023 nonobjection letter process for banks planning to engage in dollar token activities, such as issuing or dealing in stablecoins. This means banks can now move forward with such projects without having to wait for formal approval, removing one more layer of regulatory red tape.

中央银行还取消了其2023年的非选票信流程，以计划从事美元代币活动，例如发行或交易stablecoins。这意味着银行现在可以继续进行此类项目，而不必等待正式批准，而是删除了另外一层监管繁文tape节。

The Federal Reserve, alongside the Federal Deposit Insurance Corporation (FDIC), has also pulled back from two joint statements issued last year with the Office of the Comptroller of the Currency (OCC). These joint memos had set cautious expectations around crypto involvement for banks. Their removal signals a coordinated shift toward more relaxed oversight across U.S. regulators.

美联储与联邦存款保险公司（FDIC）一起，也从去年与货币审计长办公室发表的两次联合声明中退缩（OCC）。这些联合备忘录对银行的加密货币介入持谨慎的期望。他们的撤职表明，在美国监管机构中，朝着更轻松的监督进行了协调的转变。

What Does the Federal Reserve’s Shift Mean for the Future of Crypto in Banking?

美联储的转变对银行业中加密货币的未来意味着什么？

While oversight won’t disappear completely, the tone has clearly changed. The Fed stated that it will continue to work with other agencies to explore new rules that better support innovation while keeping the banking sector safe and sound.

虽然监督不会完全消失，但语调已经明显改变。美联储表示，它将继续与其他机构合作，以探索新的规则，以更好地支持创新，同时确保银行业的安全和合理。

Vandell Aljarrah, co-founder of Black Swan Capitalist, called out the irony in the timing of the Fed’s move. Just days after being dismissed for his pro-crypto stance, the central bank reversed its position—removing the same policies he had spoken against.

黑天鹅资本家的联合创始人范德尔·阿尔贾拉（Vandell Aljarrah）在美联储的举动时期宣布了具有讽刺意味的。在因亲克莱普托立场被解雇的几天后，中央银行扭转了其立场，这与他所说的相同的政策相反。

“It’s validating to see the Fed now encouraging the very innovation they once blocked,” he said.

他说：“看到美联储现在鼓励他们曾经被阻止的创新，这是有验证的。”

This change may open the door for banks to step more confidently into the crypto space—especially in the growing world of dollar tokens and stablecoins. Whether this marks the start of a broader shift in U.S. crypto regulation remains to be seen, but the door is certainly opening wider.

这一变化可能为银行更自信地进入加密货币空间打开了大门，尤其是在不断增长的美元令牌和稳定世界中。这是否标志着美国加密法规的更广泛转变的开始还有待观察，但是门肯定会打开。

The Federal Reserve’s rollback of crypto guidance marks a shift from caution to cautious openness. By removing approval hurdles, it signals support for innovation and aligns with FDIC and OCC moves—making crypto more accessible for U.S. banks.

美联储的加密指导回滚标志着从谨慎到谨慎的开放的转变。通过删除批准障碍，它标志着对创新的支持，并与FDIC和OCC移动保持一致 - 使美国银行更容易获得加密货币。

Not directly—but the signs point in that direction. By removing the requirement for banks to seek formal nonobjection letters before engaging in dollar token activities, the Federal Reserve has eased the path for stablecoin involvement. While it hasn’t officially endorsed stablecoins, this policy shift shows a more open attitude toward their use in the banking system.

不是直接的 - 而是符号指向该方向。通过删除银行在进行美元代币活动之前寻求正式非遭到信件的要求，美联储已经减轻了稳定的参与的道路。虽然它没有正式认可稳定币，但这种政策转变表明对它们在银行系统中的使用态度更加开放。

It means fewer barriers and more flexibility. Banks no longer need to go through extra approval processes to offer crypto or stablecoin services. With the Federal Reserve shifting to standard supervision, banks can now explore crypto opportunities more confidently and at a faster pace—without waiting for special permissions.

这意味着更少的障碍和更大的灵活性。银行不再需要经过额外的批准流程来提供加密货币或Stablecoin服务。随着美联储转移到标准监督的情况下，银行现在可以更自信地探索加密货币机会，并以更快的速度 - 不等待特殊许可。