简而言之 Circle 获得 OCC 最终批准建立国家信托银行，将其 732 亿美元的稳定币转移到统一的联邦框架。 这一里程碑反映了特朗普政府的巨大监管转变，为其他几家公司扫清了道路。 尽管 Coinbase 对 Circle 的消息表示赞赏，但该交易所最近还支持了一种名为 Open USD 的主要新竞争对手稳定币。 Circle 已获得美国货币监理署建立国家信托银行的最终批准，此举将使稳定币发行人的运营从各州规则的拼凑转向国家框架。 在周五的一份声明中，加密货币第二大稳定币 USDC 背后的公司将 OCC 的批准描述为一个关键的监管里程碑，预计将带来保护客户资产和管理储备的新机会。 据雅虎财经报道，开盘后不久，Circle 的股价当天上涨 8.4%，至 68.40 美元左右。在盘前交易中，该公司股价飙升至73.80美元，触及一周多来的最高点。
Circle 表示，OCC 的批准将支撑其在美国各地广泛使用的 732 亿美元旗舰稳定币的基础设施“纳入经过验证的联邦银行框架，旨在确保安全、稳健和透明。” 在唐纳德·特朗普总统的第二届政府领导下，金融监管机构大幅转变了对数字资产的立场，引发了加密货币公司进入银行业的历史性浪潮。 索尼银行周四表示，随着这家科技巨头逐步推出自己的美元支持的稳定币，该银行已获得 OCC 有条件批准建立国家信托银行。 12 月，Ripple、BitGo、Fidelity Digital Assets 和 Paxos 也享受了类似的待遇。 这些批准引发了国会山的紧张局势，参议员伊丽莎白·沃伦（D-MA）等议员认为这些特许状的授予不当。数字商会等贸易组织进行了反击，认为这些批评是误导性的。 Circle 首席执行官杰里米·阿莱尔 (Jeremy Allaire) 在 X 上的一篇帖子中表示：“今天对 Circle 来说是历史性的一天。这是为互联网构建新的基础货币层的一部分。”
Allaire 指出，Circle 将通过其银行提供数字资产托管服务，参考代表现实世界资产的稳定币和代币化证券。 这一发展得到了 Coinbase 首席执行官布莱恩·阿姆斯特朗 (Brian Armstrong) 的赞扬。该加密货币交易所与 Circle 签订了利润丰厚的收入共享协议，两家公司从提供 USDC 支持的资产（主要是美国国债）中分配利息收入。 尽管如此，在 Coinbase 与 USDC 挑战者结盟后不久，这一认可就出现了。 上个月末，超过 140 家金融和科技公司（包括加密货币交易所、万事达卡和贝莱德）支持 Open USD。该稳定币由一家名为 Open Standard 的独立运营商推出，旨在解决当前运营商的明显缺陷，包括储备金利息的分配。 每日简报时事通讯 每天从当前的热门新闻报道以及原创专题、播客、视频等开始。
In brief
Circle secured final OCC approval to establish a national trust bank, shifting its $73.2 billion stablecoin to a unified federal framework.
The milestone reflects a dramatic regulatory shift under the Trump administration that has cleared the way for several other firms.
While Coinbase praised Circle's news, the exchange also recently backed a major new rival stablecoin dubbed Open USD.
Circle has received final approval to establish a national trust bank from the U.S. Office of the Comptroller of the Currency, a move that’s set to shift the stablecoin issuer’s operations from a patchwork of state-by-state rules to a national framework.
In an announcement on Friday, the company behind crypto’s second-largest stablecoin, USDC, described the OCC’s approval as a key regulatory milestone, expected to unlock new opportunities regarding safeguarding customer assets and managing reserves.
Not long after the opening bell, shares of Circle changed hands 8.4% higher on the day at around $68.40, according to Yahoo Finance. During pre-market trading, the company’s stock price jumped as high as $73.80, touching its highest point in over a week.
Circle said the OCC approval brings infrastructure underpinning its flagship $73.2 billion stablecoin, which is commonly used throughout the U.S., “into a proven federal banking framework designed to ensure safety, soundness, and transparency.”
Under President Donald Trump’s second administration, financial regulators have dramatically shifted their stance toward digital assets, triggering a historic wave of banking access for crypto firms.
Sony Bank signaled on Thursday that it had received conditional OCC approval to establish a national trust bank as the tech giant inches toward its own dollar-backed stablecoin. In December, Ripple, BitGo, Fidelity Digital Assets, and Paxos enjoyed similar treatment.
The approvals have sparked tensions on Capitol Hill, with Sen. Elizabeth Warren (D-MA) among lawmakers who’ve argued that the charters were improperly granted. Trade groups like the Digital Chamber have shot back, contending that the criticism is misguided.
“Today is a historic day for Circle,” Circle CEO Jeremy Allaire said in a post on X. “This is all part of building a new fundamental money layer for the internet.”
Allaire noted that Circle will offer custodial services for digital assets via its bank, referencing stablecoins and tokenized securities that represent real-world assets.
The development was praised by Coinbase CEO Brian Armstrong. The crypto exchange has a highly lucrative revenue-sharing agreement with Circle, where the companies split interest income from the assets providing USDC’s backing, largely U.S. Treasuries.
Still, the nod came not long after Coinbase aligned with a USDC challenger.
Late last month, more than 140 financial and technology firms—including the crypto exchange, Mastercard, and BlackRock—backed Open USD. Unveiled by an independent operator called Open Standard, the stablecoin is designed to address perceived drawbacks with current operators, including the distribution of interest earned on reserves.
