Ripple的银行宪章出价：加密货币的新浪潮？

Ripple对国家银行宪章的追求表明，加密货币公司寻求监管清晰度和与传统金融的融合的趋势不断增长。

Ripple's Bank Charter Bid: A New Wave for Crypto?

Ripple的银行宪章出价：加密货币的新浪潮？

Ripple's move to apply for a national bank charter, mirroring Circle's recent efforts, highlights a significant shift in the crypto landscape. This pursuit underscores the industry's desire for regulatory clarity and seamless integration with traditional financial systems.

Ripple申请国家银行宪章的举动，反映了Circle最近的努力，强调了加密货币景观的重大转变。这种追求强调了该行业对监管清晰度和与传统金融系统无缝融合的渴望。

Why a Bank Charter Matters

为什么银行宪章很重要

Obtaining a national bank charter would allow Ripple to expedite payment settlements and reduce costs by bypassing traditional intermediary banks. More importantly, it would provide a 'stamp of legitimacy,' addressing years of perceived regulatory sidelining. Brad Garlinghouse, Ripple's CEO, emphasized the company's commitment to building trusted and secure infrastructure.

获得国家银行宪章将使波纹通过绕过传统的中介银行加快付款和解的加速和降低成本。更重要的是，它将提供“合法性的邮票”，以解决多年的监管局势。 Ripple的首席执行官Brad Garlinghouse强调了该公司致力于建立可信赖和确保基础设施的承诺。

Ripple's Strategy: Compliance and Growth

波纹的策略：合规性和增长

Ripple's proactive approach to regulatory compliance is evident in its pursuit of a Fed Master Account for its subsidiary, Standard Custody. This would enable Standard Custody to hold $RLUSD reserves directly with the Federal Reserve, further solidifying its position in the stablecoin market. With the anticipated closure of the SEC lawsuit, Ripple is poised to focus on growth factors.

在追求其子公司标准监护权的Fed Master帐户时，显而易见的是，Ripple的主动法规合规方法是显而易见的。这将使标准监护权能够直接与美联储持有$ RLUSD储备，从而进一步巩固其在Stablecoin市场中的地位。随着SEC诉讼的预期关闭，Ripple有望将重点放在增长因素上。

A Growing Trend

增长的趋势

Ripple joins a growing list of crypto companies, including Circle, BitGo, Coinbase Global, and Paxos, seeking national banking licenses. This trend indicates a broader industry-wide push for regulatory acceptance and integration into the mainstream financial system. While the Biden administration granted a charter to Anchorage Digital, the expectation is that more crypto companies will receive charters under the Trump administration, especially with the end of Operation Choke Point 2.0 and ongoing legislative efforts to establish clear crypto regulations.

Ripple加入了越来越多的加密公司清单，包括Circle，Bitgo，Coinbase Global和Paxos，寻求国家银行许可证。这种趋势表明，在整个行业范围内，监管接受和集成到主流金融体系中的广泛推动。尽管拜登政府授予了安克雷奇数字章程的宪章，但期望更多的加密公司将在特朗普政府下获得宪章，尤其是在Choce Point 2.0的终结以及正在进行的立法努力下，以制定明确的加密法规。

The Future of Ripple and Crypto Banking

Ripple和Crypto Banking的未来

It seems like Ripple's really trying to play nice with the grown-ups in the financial world. And honestly, who can blame them? Having a bank charter is like getting a VIP pass to the financial system. It's about time crypto firms stopped asking for permission and started building their own banks, or at least, becoming them. Now, if only my doge coin would hurry up and moon so I could get in on this action!

似乎Ripple确实试图与金融界的成年人一起玩得很好。老实说，谁能责怪他们？拥有银行宪章就像是获得金融体系的VIP通行证。现在是加密货币公司停止寻求许可并开始建立自己的银行的时候，或者至少成为他们的银行。现在，如果我只有我的道币硬币会赶快和月亮，这样我就可以加入这一动作！