国家银行和联邦储蓄协会被允许为数字资产提供监护权和交易服务

货币审计员办公室（OCC）发布了指南，指出国家银行和联邦储蓄协会被允许提供监护权

The Office of the Comptroller of the Currency (OCC) has issued guidance confirming that national banks and federal savings associations can provide custody and trading services for digital assets, such as Bitcoin.

货币审计长办公室（OCC）已发布指导，证实国家银行和联邦储蓄协会可以为数字资产（例如比特币）提供监护权和交易服务。

Interpretive Letter 1184 clarifies that banks are permitted to buy and sell digital assets on behalf of customers and may outsource related services—such as custody and execution—to third-party providers, subject to appropriate risk management oversight.

解释性信1184澄清说，银行被允许代表客户买卖数字资产，并可能将相关服务（例如监护权和执行）外包给第三方提供商，但要受到适当的风险管理监督。

The guidance is part of the OCC’s broader regulatory efforts to clarify the scope of activities banks can undertake in relation to emerging financial technologies.

该指南是OCC在阐明银行在新兴金融技术方面所做的活动范围的更广泛监管工作的一部分。

According to the letter, financial institutions may also provide related services, including recordkeeping, tax reporting, and compliance.

根据信函，金融机构还可以提供相关服务，包括记录保存，税收报告和合规性。

These services may be delegated to sub-custodians, provided that oversight requirements are met.

只要满足监督要求，这些服务就可以委派给亚客户。

In a video statement, Acting Comptroller of the Currency Rodney Hood said, “this digitalization of financial services is not a trend. It is a transformation.”

罗德尼·胡德（Rodney Hood）的货币代理审计长在一份视频声明中说：“这种金融服务的数字化不是趋势。这是一种转变。”

OCC-regulated banks may buy and sell assets held in custody and are permitted to outsource bank-permissible crypto-asset activities, including custody and execution services.

OCC受监管的银行可以买卖持有的持有的资产，并被允许外包由银行允许的加密资产活动，包括托管和执行服务。

Institutions providing crypto-asset custody services for their customers must comply with applicable risk management principles. These services may be delegated to sub-custodians, with institutions expected to maintain effective supervision over the sub-custodian in accordance with administrative capabilities.

为客户提供加密资产管理保管服务的机构必须遵守适用的风险管理原则。这些服务可能会委派给亚客户，并有望根据行政能力对次客户进行有效的监督。

According to the statement, financial institutions engaging in these activities are expected to implement the necessary risk controls and follow existing legal and supervisory expectations.

根据声明，从事这些活动的金融机构有望实施必要的风险控制，并遵循现有的法律和监督期望。

The guidance does not require banks to participate in Bitcoin or digital asset services, but it clarifies what is permissible under current law. Institutions may decide whether and how to engage in these activities based on their own business models, capabilities, and risk assessments.

该指南不需要银行参与比特币或数字资产服务，但它阐明了根据现行法律允许的。机构可以根据自己的业务模式，能力和风险评估来决定以及如何以及如何从事这些活动。