Key Points:

要點：

• The Office of the Comptroller of the Currency (OCC) recently eased restrictions, permitting banks to hold crypto assets without prior regulatory approval.
• Major banks, including BNY Mellon, Fidelity, and State Street, have already begun offering crypto custody services.
• While this decision presents new opportunities for banks, the OCC stresses the importance of robust risk management frameworks to address the volatility and regulatory complexities inherent in digital assets.

What is the Office of the Comptroller of the Currency (OCC)?

貨幣審計員（OCC）的辦公室最近放寬了限制，允許銀行在沒有事先監管的無批准的情況下持有加密貨幣資產。包括BNY Mellon，Fidelity和State Street在內的Major銀行已經開始提供Crypto Cassody Services。該決定為BOCT提供了新的範圍，該公司的範圍內的範圍內的新機構，該公司的範圍內的新機構，該公司的內部範圍內的機構構成了該範圍，並且該公司的範圍內的範圍內的構建機構，並提供了框架，並將其本身的框架構成，該企業的範圍內的構建機構，並提供了該決定的範圍。資產。貨幣審計器的辦公室是什麼（OCC）？

The Office of the Comptroller of the Currency (OCC) is an independent bureau within the U.S. Department of the Treasury. It regulates and supervises national banks and federal savings associations, ensuring safe operations, fair access to financial services, and compliance with banking laws.

貨幣審計長辦公室（OCC）是美國財政部的獨立局。 它監管和監督國家銀行和聯邦儲蓄協會，確保安全運營，公平獲得金融服務以及遵守銀行法。

Role of the OCC:

OCC的角色：

The OCC significantly influences how traditional financial institutions interact with cryptocurrencies and blockchain technology. Recent OCC rulings and guidance enable banks to:

OCC極大地影響了傳統金融機構與加密貨幣和區塊鏈技術的互動方式。 最近的OCC裁決和指導使銀行能夠：

• Provide Crypto Custody Services: Securely hold and manage cryptocurrencies for clients.
• Engage in Stablecoin Activities: Support stablecoin transactions and related services.
• Utilize Blockchain for Settlement: Operate independent node verification networks (INVN) for blockchain transactions.

The OCC has clarified that national banks and federal savings associations may engage in specific cryptocurrency activities, including:

Provide Crypto Custody Services: Securely hold and manage cryptocurrencies for clients.Engage in Stablecoin Activities: Support stablecoin transactions and related services.Utilize Blockchain for Settlement: Operate independent node verification networks (INVN) for blockchain transactions.The OCC has clarified that national banks and federal savings associations may engage in specific cryptocurrency activities, including:

• Crypto-asset custody: Holding and managing cryptocurrencies for clients.
• Stablecoin activities: Participating in specified stablecoin-related operations.
• Distributed ledger networks: Participation in independent node verification networks (e.g., using distributed ledger technologies).

This clarification removes the previous requirement for prior regulatory approval for these activities. However, the OCC emphasizes the need for strong risk management controls for all banking activities, both traditional and novel. This aims to streamline the process for banks entering the crypto space and ensure consistent OCC treatment regardless of the underlying technology.

加密本主管監護權：為客戶提供加密貨幣。 但是，OCC強調了對所有傳統和新穎的銀行活動進行強大風險管理控制的需求。 這旨在簡化進入加密貨幣空間的銀行的過程，並確保不管基本技術如何，確保OCC治療。

Major financial institutions, such as BNY Mellon, Fidelity, and State Street, are already providing crypto custody services, offering secure storage and compliance solutions for institutional and retail investors. This presents significant opportunities for banks but also necessitates careful consideration and management of associated risks.

BNY Mellon，Fidelity和State Street等主要金融機構已經在提供加密保管服務，為機構和零售投資者提供了安全的存儲和合規解決方案。 這為銀行提供了很大的機會，但也需要仔細考慮和管理相關風險。

Why it Matters:

為什麼重要：

The OCC's stance on cryptocurrency is vital for mainstream adoption. By allowing regulated banks to offer crypto-related services, it fosters a bridge between traditional finance (TradFi) and decentralized finance (DeFi), enhancing accessibility and security for institutional and retail investors alike.

OCC對加密貨幣的立場對於主流採用至關重要。 通過允許受監管的銀行提供與加密相關的服務，它促進了傳統金融（TradFI）與分散財務（DEFI）之間的橋樑，從而增強了機構和零售投資者的可及性和安全性。