Ripple，美国银行和Stablecoin扩展：受监管的新时代

Ripple追求美国国家银行宪章迈出了大胆的一步，朝着规范的财务迈出了大胆的一步，可能会重塑稳定的景观。

Ripple, US Bank, and Stablecoin Expansion: A New Era of Regulated Finance

Ripple，美国银行和Stablecoin扩展：受监管的新时代

Ripple is making waves with its move towards deeper integration into the US financial system. The company's application for a national bank charter and a Federal Reserve master account mark a significant step in this direction. This isn't just about Ripple; it's a sign of the times as crypto firms seek regulatory clarity and a bridge to traditional finance.

Ripple朝着更深层次的整合到美国金融体系，引起了海浪。该公司申请国家银行宪章和美联储主帐户的申请标志着这一方向的重要一步。这不仅仅是波纹。这是时代的迹象，因为加密货币公司寻求监管清晰度和传统金融的桥梁。

Ripple's Regulatory Ambitions

Ripple的监管野心

Ripple has formally applied for a national bank charter with the Office of the Comptroller of the Currency (OCC). This move signals a major ambition to operate within regulated finance. If approved, Ripple would gain federal oversight, adding to its existing state-level regulation through the New York Department of Financial Services (NYDFS). CEO Brad Garlinghouse emphasizes that this dual oversight would boost trust in Ripple's stablecoin, RLUSD.

Ripple已正式申请了国家银行宪章的货币审计长办公室（OCC）。此举标志着在受监管的财务中运作的主要野心。如果获得批准，Ripple将获得联邦监督，并通过纽约金融服务部（NYDFS）增加其现有的州级法规。首席执行官布拉德·加林豪斯（Brad Garlinghouse）强调，这种双重监督将提高对Ripple的Stablecoin Rlusd的信任。

Simultaneously, Ripple is pursuing a Federal Reserve master account through its subsidiary, Standard Custody. This would allow Ripple to hold RLUSD reserves directly with the Fed, reducing reliance on commercial banks and enhancing reserve security. Garlinghouse believes this direct custody aligns with institutional expectations and strengthens RLUSD's position in the competitive stablecoin market.

同时，Ripple正在通过其子公司标准监护权追求美联储主帐户。这将使Ripple可以直接与美联储保持RLUSD储备，从而减少对商业银行的依赖并提高储备安全。加林豪斯（Garlinghouse）认为，这种直接监护权与机构期望保持一致，并加强了RLUSD在竞争性稳定市场中的地位。

A Changing Regulatory Landscape

不断变化的监管景观

Ripple's applications coincide with a shift in Washington's policy towards crypto. The rollback of restrictions on banks serving crypto firms has created a more favorable environment for companies seeking direct links with the U.S. banking system. Ripple's move could serve as a benchmark in this transition, meeting the growing demand for stable, trusted digital payment systems.

Ripple的应用程序与华盛顿对加密货币的政策的转变相吻合。服务加密货币公司的银行限制的回滚为寻求与美国银行系统的直接联系的公司创造了一个更有利的环境。 Ripple的举动可以在此过渡中作为基准，满足对稳定，值得信赖的数字支付系统的不断增长的需求。

RLUSD: A Regulated Alternative

RLUSD：受监管的替代方案

Ripple's stablecoin, RLUSD, is positioned as a fully regulated alternative in the rapidly expanding stablecoin sector. The company's efforts aim to ensure RLUSD meets evolving compliance standards while facilitating cross-border payments. By crafting an infrastructure that supports large-scale financial operations, Ripple hopes to accelerate RLUSD adoption, especially among institutions that prioritize regulatory clarity and risk mitigation.

Ripple的Stablecoin Rlusd被定位为快速扩展的Stablecoin部门的完全调节的替代方案。该公司的努力旨在确保RLUSD符合不断发展的合规标准，同时促进跨境支付。通过制定支持大规模金融业务的基础设施，Ripple希望加快采用RLUSD的采用，尤其是在优先考虑监管清晰度和降低风险的机构中。

The Bigger Picture: Stablecoin Expansion

大局：Stablecoin扩展

Ripple isn't the only player making moves. Circle is also seeking a national trust bank license, indicating a broader trend towards aligning stablecoin operations with U.S. banking law. Even PayPal is expanding its stablecoin, PYUSD, by launching it on the Stellar network, pending regulatory approval. This expansion aims to broaden access to PYUSD for developers and users, highlighting the increasing importance of stablecoins in everyday payments and financial activities.

波纹不是唯一的动作球员。 Circle还寻求国家信托银行许可证，表明将Stablecoin运营与美国银行法保持一致的趋势更广泛。甚至PayPal也通过在恒星网络上启动稳定的Pyusd来扩展其稳定的Pyusd。这一扩展旨在扩大开发人员和用户对Pyusd的访问，并强调Stablecoins在日常付款和财务活动中的重要性。

My Take: A Necessary Step Forward

我的看法：前进的必要一步

In my opinion, Ripple's pursuit of a national bank charter and a Fed master account is a crucial step towards legitimizing the crypto industry. The increased regulatory oversight will foster greater trust and confidence, attracting both institutional and retail investors. While the OCC review may take months, Ripple's commitment to compliance and its strong relationship with the NYDFS position it well for success. This move could indeed place Ripple ahead of its competitors in integrating with the U.S. financial system, as Ripple has a lot of regulatory experience in the United States.

我认为，Ripple对国家银行宪章的追求和美联储大师帐户是朝着合法化加密货币行业的关键一步。增加的监管监督将促进更大的信任和信心，吸引机构和散户投资者。尽管OCC审查可能需要几个月的时间，但Ripple对合规性的承诺及其与NYDFS立场的牢固关系为成功。由于Ripple在美国拥有很多监管经验，因此这一举动确实可以使Ripple与竞争对手融为一体。

As PayPal CEO Alex Chriss put it, "More blockchains, greater access—and we’re not stopping now." It's clear that the future of finance is being shaped by these bold moves, and Ripple is right in the thick of it.

正如贝宝（Paypal）首席执行官亚历克斯·克里斯（Alex Chriss）所说：“更多的区块链，更大的访问权限 - 我们现在不停止。”很明显，财务的未来是由这些大胆的举动塑造的，波纹就在其中。

So, keep an eye on this space, folks! It's gonna be an interesting ride.

所以，请注意这个空间，伙计们！这将是一个有趣的旅程。