越来越多的加密货币公司准备进入美国银行系统

越来越多的加密货币公司准备进入美国银行系统，这是由唐纳德·特朗普总统的政策转变所推动的

A growing number of cryptocurrency companies are preparing to enter the U.S. banking system, propelled by a policy shift under President Donald Trump aimed at integrating digital assets into mainstream finance.

越来越多的加密货币公司准备进入美国银行体系，这是由唐纳德·特朗普（Donald Trump）总统的政策转变所推动的，旨在将数字资产纳入主流金融。

What Happened: Firms like Circle USDC/USD and BitGo are planning to apply for bank charters, The Wall Street Journal reported.

发生的事情：《华尔街日报》报道，诸如Circle USDC/USD和BitGo之类的公司正计划申请银行宪章。

Coinbase COIN and Paxos are also exploring approvals to operate with similar authority.

Coinbase Coin和Paxos还正在探索以类似权威运营的批准。

These developments follow the Trump administration's commitment to establishing the U.S. as a global leader in digital assets, including through new legislation targeting stablecoin oversight.

这些事态发展遵循特朗普政府致力于将美国作为数字资产的全球领导者的承诺，包括通过针对Stablecoin监督的新立法。

Recent bills moving through Congress propose a regulatory framework for stablecoins, mandating that issuers secure banking licenses or charters. These digital tokens, typically pegged to fiat currencies, are used as a bridge between volatile cryptocurrencies and traditional money.

最近通过国会的法案提出了一个针对稳定币的监管框架，要求发行人获得银行许可证或宪章。这些数字令牌通常与法定货币挂钩，被用作挥发性加密货币和传统资金之间的桥梁。

Some firms are aiming for national trust bank or industrial bank charters that would allow them to hold customer deposits or issue loans. Others are seeking limited permissions specifically for issuing stablecoins.

一些公司的目标是建立国家信托银行或工业银行宪章，以允许他们持有客户存款或发行贷款。其他人则寻求有限的权限，专门为发行稳定的权限。

BitGo, a crypto custody firm and reserve manager for the Trump family's stablecoin project USD1, is nearing the submission of its bank charter application, according to individuals familiar with its plans.

据熟悉计划的人说，据熟悉其计划的人说，Bitgo是特朗普家族的Stablecoin Project USD1的一家加密货币公司和预备队经理，据熟悉其计划的人称，该计划即将接近其银行宪章申请。

Anchorage Digital, currently the only federally chartered crypto bank in the U.S., has invested tens of millions of dollars to meet regulatory standards.

Anchorage Digital目前是美国唯一的联邦特许加密货币银行，已经投资了数千万美元来符合监管标准。

Also Read: Binance Advising Nations On Strategic Bitcoin Reserves, Crypto Regulation: Report

另请阅读：为战略比特币储备提供义务义务，加密法规：报告

CEO Nathan McCauley acknowledged the operational challenges, saying, "It has not been easy," but emphasized the importance of intertwining full regulatory compliance with the crypto sector.

首席执行官内森·麦考利（Nathan McCauley）承认了运营挑战，他说：“这并不容易”，但强调了将完全监管的遵守与加密货币部门相结合的重要性。

Anchorage recently became a custodian for BlackRock's iShares Bitcoin Trust IBIT and partnered with Cantor Fitzgerald and Copper on a $2 billion bitcoin-backed lending initiative. Tether USDT/USD, the world's largest stablecoin by market cap at $145 billion, is a major Cantor client.

安克雷奇（Anchorage）最近成为贝莱德（BlackRock）的iShares比特币信托基金会（Ishares Bitcoin Trust）的保管人，并与坎托·菲茨杰拉德（Cantor Fitzgerald）和铜合作制定了一项20亿美元的比特币支持贷款计划。 Tether USDT/USD是全球最大的市值稳定股，1450亿美元是主要客户。

This integration marks a reversal from two years ago when the collapses of crypto firms and banks like Silvergate and Signature led to a clampdown, forcing traditional institutions to distance themselves from the crypto sector.

这种整合标志着两年前的逆转，当时加密货币公司和银行等银行的倒塌和签名导致了倒数，迫使传统机构与加密货币部门保持距离。

Why It Matters: Trump's return to office has changed the tone. Regulations that once required banks to seek explicit approval before offering crypto services have been softened, and new federal guidance on bank-crypto relationships is expected later this year.

为什么重要：特朗普重返办公室已经改变了基调。曾经要求银行在提供加密服务之前要求银行寻求明确批准的法规已被软化，并且预计今年晚些时候将为银行 - 列带有新的联邦银行关系指导。

Legacy financial institutions are adjusting course. Bank of America BAC CEO Brian Moynihan said in February the bank is prepared to issue a stablecoin once legal clarity is set. U.S. Bancorp USB has also resumed crypto custody services via a partnership with NYDIG.

传统金融机构正在调整课程。美国银行BAC首席执行官Brian Moynihan表示，一旦确定了法律清晰度，该银行准备发行稳定的人。美国Bancorp USB还通过与NYDIG的合作伙伴关系恢复了加密保管服务。

International banks are taking note. A consortium including Deutsche Bank DB and Standard Chartered SCBFF is exploring expansion into the U.S. crypto market. Deutsche Bank declined to comment, and Standard Chartered did not respond.

国际银行正在注意。包括德意志银行DB和标准特许SCBFF在内的一个财团正在探索向美国加密市场的扩张。德意志银行拒绝发表评论，而《标准特许》没有回应。

However, caution persists in some corners. KeyCorp KEY CEO Chris Gorman noted potential competitive threats from crypto and cited regulatory concerns, particularly around transparency and anti-money laundering enforcement. "It's hard to trace," he said.

但是，谨慎在某些角落一直存在。 KeyCorp主要首席执行官Chris Gorman指出了来自加密货币的潜在竞争威胁，并引用了监管问题，尤其是在透明度和反洗钱执法方面。他说：“很难追踪。”

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