USDC 稳定币发行人 Circle 已获得美国货币监理署的最终批准，成立一家受联邦监管的国家信托银行。 盘前交易中股价上涨 14%。 新实体 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，并有可能扩展到银行和其他受监管金融公司等特定机构客户。
全球第二大稳定币USDC发行人Circle（CRCL）获得美国货币监理署（OCC）批准设立国家信托银行。 国家信托银行被授权为用户提供托管和信托服务，但不像传统商业银行那样接受消费者存款或发放贷款。 盘前交易中股价上涨 14%。 Circle 首席执行官杰里米·阿莱尔 (Jeremy Allaire) 周五在宣布这一里程碑的声明中表示：“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。” “联邦对我们信托银行的监督为 Circle 基础设施的透明度、治理和规模制定了新标准。” 此举出台之际，Kraken 等加密货币公司越来越多地寻求联邦特许、许可证和银行批准。 Crypto.com 在 2 月份获得了 OCC 许可证，作为受联邦监管的加密货币托管银行运营。 BitGo、Circle、Ripple、Paxos 和 Fidelity Digital Assets 在 12 月都获得了类似的有条件批准。 OCC 随后立即将 BitGo 的批准升级为无条件。
据声明称，Circle 的银行将以 Circle National Trust 的名义运营，在 Circle 开业后将为 Circle 及其附属公司提供信托数字资产托管服务。根据其批准的业务计划，该银行随后可以向有限数量的机构客户（包括银行和其他受监管的金融机构）提供托管服务。 该章程还允许 Circle 制定未来计划，在 OCC 的监管下管理支持其 USDC 稳定币的储备金，尽管该公司表示储备管理仍然是未来的能力。 Circle 于 2025 年 6 月申请了特许权，六个月后获得有条件批准。 OCC 的最终批准将信托银行置于联邦直接监督之下。 Circle 的 USDC 是第二大与美元挂钩的稳定币，流通量约为 732 亿美元。 Tether 的 USDT 规模最大，达 1841 亿美元。 更新（世界标准时间 7 月 10 日 12:43）：补充说 BitGo 在初始有条件授权后立即获得了完全无条件的 OCC 批准。 Circle稳定币银行
Circle, issuer of the USDC stablecoin, has received final approval from the U.S. Office of the Comptroller of the Currency to establish a federally supervised national trust bank.
Shares are higher by 14% in pre-market trading.
The new entity, Circle National Trust, will initially provide fiduciary digital asset custody services for Circle and its affiliates, with potential expansion to select institutional clients such as banks and other regulated financial firms.
Circle (CRCL), the issuer of the world's second largest stablecoin USDC, received approval from the U.S. Office of the Comptroller of the Currency (OCC) to establish a national trust bank.
National trust banks are authorized to provide users with custody and fiduciary services but do not accept consumer deposits or make loans like traditional commercial banks.
Shares are higher by 14% in pre-market trading.
"OCC approval to establish Circle National Trust marks a defining step in bringing blockchain technology and digital assets into the core of the U.S. financial system," Circle CEO Jeremy Allaire said Friday in a statement announcing the milestone. "Federal oversight of our trust bank sets a new standard for transparency, governance, and scale for Circle's infrastructure."
The move comes as crypto firms such as Kraken, increasingly seek federal charters, licenses and banking approvals. Crypto.com secured an OCC license in February to operate as a federally regulated crypto custodian bank. BitGo, Circle, Ripple, Paxos, and Fidelity Digital Assets all received similar conditional approvals in December. The OCC upgraded BitGo's approval to unconditional immediately after.
Circle’s bank, which will operate as Circle National Trust, will provide fiduciary digital asset custody services for Circle and its affiliates when it opens, according to its statement. Under its approved business plan, the bank could later offer custody services to a limited number of institutional customers, including banks and other regulated financial institutions.
The charter also allows Circle to pursue future plans to manage reserves backing its USDC stablecoin under OCC supervision, though the company said reserve management remains a future capability.
Circle applied for the charter in June 2025 and received conditional approval six months later. The OCC's final approval places the trust bank under direct federal oversight.
Circle’s USDC is the second-largest U.S. dollar-pegged stablecoin with about $73.2 billion in circulation. Tether’s USDT is the largest with $184.1 billion.
UPDATE (July 10, 12:43 UTC): Adding that BitGo received full unconditional OCC approval immediately after the initial conditional authorization.
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