Ripple的银行许可野心：导航监管推动力

Ripple通过追求银行许可证来浪费，这表明其监管合规战略和更广泛的加密货币采用迈出了重要一步。

Ripple's Banking License Ambitions: Navigating the Regulatory Push

Ripple的银行许可野心：导航监管推动力

Ripple is charging ahead in the crypto space, seeking a national banking license amidst ongoing regulatory developments. This move could redefine Ripple's role in global finance.

Ripple正在加密货币领域提前指控，在持续的监管发展中寻求国家银行许可证。这一举动可以重新定义Ripple在全球金融中的作用。

Ripple's Bold Move: Banking License Application

Ripple的大胆举动：银行许可证申请

Ripple Labs has officially applied for a national banking license with the Office of the Comptroller of the Currency (OCC). CEO Brad Garlinghouse emphasized that this pursuit aims to enhance regulatory compliance, setting a new standard in the industry. This move places Ripple alongside other major players like Circle and Fidelity Digital Assets in seeking mainstream banking integration.

Ripple Labs已在货币审计长办公室（OCC）正式申请了国家银行许可证。首席执行官布拉德·加林豪斯（Brad Garlinghouse）强调，这种追求旨在提高监管合规性，并在行业中设定新标准。此举使Ripple与Circle和Fidelity Digital Assets等其他主要参与者一起寻求主流银行整合。

Why a Banking License Matters

为什么银行许可很重要

Obtaining a national banking license could significantly streamline Ripple's operations, particularly concerning its stablecoin, RLUSD. Currently, RLUSD operates under the supervision of the New York Department of Financial Services (NYDFS). A national license would bring it under the direct oversight of the OCC, potentially setting a “new standard for transparency and compliance,” according to Ripple’s VP of stablecoins, Jack McDonald.

获得国家银行许可证可能会大大简化Ripple的运营，尤其是有关其Stablecoin Rlusd的运营。目前，RLUSD在纽约金融服务部（NYDFS）的监督下运营。根据Ripple的Stablecoins杰克·麦克唐纳（Jack McDonald）的副总裁，国家许可将其直接监督在OCC的直接监督下，并有可能设定“透明和合规性的新标准”。

Standard Custody's Role: A Master Account with the Fed

标准监护权的角色：美联储的主帐户

Ripple's subsidiary, Standard Custody & Trust Company, has applied for a master account with the Federal Reserve. Approval would allow Ripple to store RLUSD reserves directly with the Fed and conduct stablecoin transactions outside of regular business hours. This would further solidify Ripple's position within traditional financial infrastructure.

Ripple的子公司标准监护与信托公司已向美联储申请了主帐户。批准将使Ripple可以直接与美联储一起存储RLUSD储备，并在常规营业时间之外进行Stablecoin交易。这将进一步巩固波纹在传统金融基础设施中的地位。

Partnerships and Regulatory Progress

伙伴关系和监管进步

Ripple has also partnered with OpenPayd, a London-based fintech firm, to develop a stablecoin and payments infrastructure for cross-border transactions. This collaboration supports Ripple USD (RLUSD) and aims to simplify cross-border payments and treasury management. These efforts coincide with Ripple dropping its cross-appeal against the SEC, signaling a move towards resolving its legal battles.

Ripple还与位于伦敦的Fintech公司OpenPayd合作开发了跨境交易的Stablecoin和付款基础设施。这项合作支持Ripple USD（RLUSD），旨在简化跨境支付和财政部管理。这些努力与Ripple对SEC的交叉竞争相吻合，这表明朝着解决其法律战斗的转变。

The Bigger Picture: Crypto and Regulatory Clarity

大局：加密和法规清晰度

The push for regulatory compliance isn't just about Ripple. It's part of a broader trend of crypto companies seeking clearer regulatory frameworks. With the U.S. Congress pushing for crypto regulations and the end of Operation Choke Point 2.0, the environment seems to be shifting towards greater acceptance and regulation of digital assets. While the Biden administration has been slow to grant national banking licenses to crypto firms, a potential change in administration could open doors for more approvals.

寻求法规合规性的推动不仅仅是波纹。这是加密公司寻求更清晰的监管框架的更广泛趋势的一部分。随着美国国会推动加密法规和操作障碍点2.0的终结，环境似乎正在转向更大的接受和监管数字资产。尽管拜登政府向加密货币公司授予国家银行许可证的速度速度很慢，但管理的潜在变化可能会为更多的认可打开大门。

Looking Ahead

展望未来

Ripple's pursuit of a banking license marks a pivotal moment. If successful, it could pave the way for broader institutional adoption of crypto, offering a regulated and transparent platform for digital asset transactions. Whether you're a crypto enthusiast or a Wall Street veteran, Ripple's moves are worth watching closely.

Ripple对银行许可证的追求标志着关键时刻。如果成功的话，它可能为更广泛的机构采用加密货币铺平道路，为数字资产交易提供一个规范和透明的平台。无论您是加密爱好者还是华尔街的老兵，Ripple的举动都值得关注。

So, keep your eyes peeled and maybe start brushing up on your banking jargon. The future of finance might just be a little more... Rippled.

因此，请保持眼睛剥皮，也许开始在银行术语上刷牙。金融的未来可能会更多...波纹。