简而言之 日本索尼银行已获得美国货币监理署有条件批准设立国家信托银行 Connectia Trust，以发行美元支持的稳定币。 该子公司将于本月成立，资本为 4000 万美元，预计将于 2027 年开始运营，目前正在等待最终批准。 索尼希望美国客户使用该代币来支付其生态系统中的视频游戏、动漫和订阅费用。 索尼银行已获得美国货币监理署有条件批准建立国家信托银行，这使得日本索尼金融集团距离发行自己的美元支持的稳定币又近了一步。 该银行在 7 月 6 日的一份声明中表示，计划本月设立一家全资子公司 Connectia Trust，资本金为 4000 万美元。该部门将发行和管理以美元计价的稳定币，一旦满足监管机构的剩余条件，预计将于 2027 年开始运营。 索尼银行表示，该信托旨在为索尼金融集团的数字资产业务奠定“中长期业务基础”。目前尚未任命 Connectia Trust 的代表。
PlayStation 经济的稳定币 该银行此前告诉《日经新闻》，它希望美国客户使用该代币在索尼生态系统中购买数字内容，从而削减卡支付的费用。索尼的足迹遍布 PlayStation 平台和 Crunchyroll 动漫服务，但尚未有主要特许经营商承诺实施该计划。 这一举措只有在美国才可行，这要归功于去年通过的联邦法律《GENIUS Act》，该法律为与美元挂钩的代币设定了准备金和披露规则。它还与索尼更广泛的加密战略相吻合：该公司于 2025 年初推出了以太坊第 2 层网络 Soneium，其区块链合作伙伴 Startale 在去年年底推出了单独的美元稳定币。对于自己的代币，索尼银行已聘请基础设施公司 Bastion 来处理发行、储备管理和托管。 拥挤的包机队列
索尼正在加入一系列寻求联邦信托地位的加密货币和支付公司行列。去年 12 月，OCC 有条件批准了 Circle、Ripple、BitGo、Fidelity Digital Assets 和 Paxos，申请不断涌现，其中包括来自与特朗普有关联的 World Liberty Financial 的申请。国家信托章程允许公司在联邦监督下托管资产、管理储备并发行稳定币，但禁止其吸收现金存款或发放贷款。 索尼的出价已经面临阻力。美国独立社区银行家协会 (Independent Community Bankers of America) 在 11 月份敦促 OCC 拒绝 Connectia Trust 的申请，认为这将让索尼发行类似存款的稳定币，同时避开约束普通银行的保险和规则。
这波申请浪潮也引发了政治热潮，参议员伊丽莎白·沃伦 (D-MA) 认为 OCC 不恰当地向不符合《国家银行法》资格的公司授予特许权。代表 250 多家加密货币公司的贸易组织 Digital Chamber 在 5 月份拒绝了这一说法，其首席执行官科迪·卡本 (Cody Carbone) 表示，这种批评“误读了法规和 OCC 的长期章程权威”。美国银行业游说团体也考虑就这些章程提起诉讼。 目前，Connectia Trust 还只是一个纸面上的计划：有条件的批准不会让索尼开业，该银行必须满足 OCC 的未决条件，然后才能推出其代币（目前计划于 2027 年）。与此同时，全球稳定币市值超过 3080 亿美元。 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
Japan's Sony Bank has won conditional approval from the U.S. Office of the Comptroller of the Currency to set up a national trust bank, Connectia Trust, to issue a dollar-backed stablecoin.
The subsidiary will be established this month with $40 million in capital and is expected to begin operations in 2027, pending final approval.
Sony envisions U.S. customers using the token to pay for video games, anime and subscriptions across its ecosystem.
Sony Bank has secured conditional approval from the U.S. Office of the Comptroller of the Currency to establish a national trust bank, moving Japan's Sony Financial Group closer to issuing its own dollar-backed stablecoin.
The lender plans to set up a wholly owned subsidiary, Connectia Trust, this month with $40 million in capital, it said in a statement dated July 6. The unit would issue and manage a dollar-denominated stablecoin, and is expected to begin operating in 2027 once it clears the regulator's remaining conditions.
Sony Bank said the trust is meant to build a "medium- to long-term business foundation" for Sony Financial Group's digital-asset business. It has not yet named a representative for Connectia Trust.
A stablecoin for the PlayStation economy
The bank previously told Nikkei that it wants U.S. customers to use the token to pay for digital content across Sony's ecosystem, trimming the fees that come with card payments. Sony's footprint spans the PlayStation platform and the Crunchyroll anime service, though no major franchise has yet committed to the plan.
The push is only viable in the U.S. thanks to the GENIUS Act, the federal law passed last year that set reserve and disclosure rules for dollar-pegged tokens. It also dovetails with Sony's wider crypto strategy: the company launched an Ethereum layer-2 network, Soneium, in early 2025, on which its blockchain partner Startale rolled out a separate dollar stablecoin late last year. For its own token, Sony Bank has tapped infrastructure firm Bastion to handle issuance, reserve management and custody.
A crowded charter queue
Sony is joining a line of crypto and payments firms seeking federal trust status. In December, the OCC conditionally approved Circle, Ripple, BitGo, Fidelity Digital Assets and Paxos, and applications have kept coming, including one from Trump-linked World Liberty Financial. A national trust charter lets a firm custody assets, manage reserves and issue stablecoins under federal supervision, but bars it from taking cash deposits or making loans.
Sony's bid has already faced pushback. The Independent Community Bankers of America urged the OCC to reject the Connectia Trust application in November, arguing it would let Sony issue deposit-like stablecoins while sidestepping the insurance and rules that bind ordinary banks.
The wave of applications has also drawn political heat, with Senator Elizabeth Warren (D-MA) arguing that the OCC improperly granted charters to firms that don't qualify under the National Bank Act. The Digital Chamber, a trade group representing more than 250 crypto companies, rejected that in May, with CEO Cody Carbone saying the criticism "misreads both the statute and the OCC's longstanding charter authority." A U.S. banking lobby has also weighed a lawsuit over the charters.
For now, Connectia Trust is a plan on paper: the conditional nod does not let Sony open for business, and the bank must satisfy the OCC's outstanding conditions before its token can launch, currently slated for 2027. The global stablecoin market cap, meanwhile, sits above $308 billion.
