Circle 宣布，它已获得 OCC 的最终批准，成立一家国家信托银行，该银行最初将为该公司及其附属公司提供服务，未来可能为机构客户提供托管服务。 USDC 稳定币发行商 Circle 周五宣布，已获得美国货币监理署 (OCC) 的最终批准，成立第一国家数字货币银行 (FNDCB)，这是一家国家信托银行，将以 Circle National Trust 的名义运营。 Circle 首席执行官 Jeremy Allaire 表示：“OCC 批准建立 Circle National Trust 标志着将区块链技术和数字资产纳入美国金融体系核心的决定性一步。” 此次批准是在 Circle 于 2025 年 6 月申请章程之后获得的，该章程允许其建立受联邦监管的信托机构并扩大其数字资产托管基础设施。 Circle 的新银行开始时托管范围有限 根据该公司批准的业务计划，Circle National Trust 最初将为 Circle 及其附属公司提供信托数字资产托管服务。
如果需求发展，该银行随后可以将这些服务扩展到有限的机构客户群体，包括银行和受监管的衍生品公司等其他金融机构。 来源：圈子 信托银行结构还可以实现对 USDC 储备的未来管理，如果实施的话，这些业务将受到联邦监督。 OCC 的批准为 Circle 在主要金融市场不断增长的监管足迹增添了又一层内容。 Circle 表示，它于 2015 年成为第一家获得纽约金融服务部颁发的 BitLicense 的公司，并于 2024 年成为第一家遵守欧盟加密资产市场监管 (MiCA) 框架的全球稳定币发行人。 相关：渣打银行、Circle 将 USDC 铸币纳入银行业轨道 随着该公司在全球范围内扩展其 USDC 基础设施，该公司还获得了英国、新加坡、百慕大、加拿大和阿布扎比等市场的监管批准。
根据 CoinGecko 的数据，截至发布时，USDC 是市值第二大的稳定币，达到 733 亿美元。去年，其市值从 628 亿美元增长了 16.7%，但今年迄今已从 752 亿美元下降了 2.5%。 据雅虎财经数据显示，消息公布后，Circle Internet Group (CRCL) 股价在周五盘前交易中上涨约 16%，在上一交易日收于 63 美元后攀升至 73 美元以上。 杂志：现实世界资产在链上代币化速度最快的 5 种类型
Circle announces it received final OCC approval for a national trust bank that will initially serve the company and affiliates, with possible future custody services for institutional clients.
USDC stablecoin issuer Circle on Friday announced it received final approval from the US Office of the Comptroller of the Currency (OCC) to establish First National Digital Currency Bank (FNDCB), a national trust bank that will operate under the name Circle National Trust.
“OCC approval to establish Circle National Trust marks a defining step in bringing blockchain technology and digital assets into the core of the US financial system,” Circle CEO Jeremy Allaire said.
The approval comes after Circle applied for the charter in June 2025, allowing it to establish a federally regulated trust institution and expand its digital asset custody infrastructure.
Circle’s new bank begins with limited custody scope
Circle National Trust will initially provide fiduciary digital asset custody services for Circle and its affiliated companies, according to the company’s approved business plan.
The bank could later expand those services to a limited group of institutional customers, including banks and other financial institutions such as regulated derivatives firms, if demand develops.
Source: Circle
The trust bank structure could also enable future management of the USDC Reserve, bringing those operations under federal oversight if implemented.
The OCC approval adds another layer to Circle’s growing regulatory footprint across major financial markets.
Circle said it became the first company to receive a BitLicense from the New York Department of Financial Services in 2015, and later became the first global stablecoin issuer to comply with the European Union’s Markets in Crypto-Assets Regulation (MiCA) framework in 2024.
Related: Standard Chartered, Circle bring USDC minting onto banking rails
The company has also secured regulatory approvals in markets including the United Kingdom, Singapore, Bermuda, Canada and Abu Dhabi as it expands its USDC infrastructure globally.
At publishing time, USDC is the second-largest stablecoin by market capitalization at $73.3 billion, according to CoinGecko. Over the past year, its market cap has increased 16.7% from $62.8 billion, though it has declined 2.5% year-to-date from $75.2 billion.
Circle Internet Group’s (CRCL) stock rose around 16% in pre-market trading on Friday following the announcement, climbing above $73 after closing the previous session at $63, according to Yahoo Finance data.
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