Fintech firm SoFi declared it may be “forced to cease trading in certain types of assets” amid the US regulatory hurdle.

金融科技公司 SoFi 宣布，由於美國監管障礙，該公司可能「被迫停止某些類型資產的交易」。

在最近向美國證券交易委員會 (SEC) 提交的文件中，SoFi 在向 SEC 提交的最新季度文件中概述了與加密貨幣交易相關的若干監管風險。

The company is waiting for changes to the regulator’s proposed crypto exchange classification rules. SoFi admits it could halt trading digital assets considered securities until it obtains additional regulatory permission.

該公司正在等待監管機構提議的加密貨幣交易所分類規則的變化。 SoFi 承認，在獲得額外的監管許可之前，它可能會停止交易被視為證券的數位資產。

“The time and cost of obtaining such permission could be significant, and is not guaranteed.”

SoFi’s filing to SEC

“獲得此類許可的時間和成本可能會很高，而且無法保證。” SoFi 向 SEC 提交的文件

SoFi 支援的加密貨幣包括比特幣 (BTC)、以太幣 (ETH)、狗狗幣 (DOGE) 等。 Solana (SOL) 和 Cardano (ADA) 於 6 月從平台上刪除，因為美國監管機構表示它們可能是證券。

SoFi is trying to expand its presence in the crypto market while ensuring compliance with regulators. However, regulatory violations could negatively impact its other financial services divisions beyond crypto.

SoFi 正試圖擴大其在加密貨幣市場的影響力，同時確保遵守監管機構的規定。然而，違反監管規定可能會對加密貨幣以外的其他金融服務部門產生負面影響。

Last year, the company was hit with a violation by the Federal Reserve for “certain crypto-related activities” deemed impermissible for a bank holding company.

去年，該公司因銀行控股公司不允許的「某些與加密貨幣相關的活動」而受到聯準會的處罰。

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SoFi is currently under a two-year conditional approval to continue crypto activities, which it is trying to extend.

SoFi 目前正在獲得為期兩年的有條件批准，以繼續進行加密貨幣活動，並試圖延長這一期限。

“There can be no assurance that such attempts will be successful. In the event regulatory approval is not obtained, we may ultimately be forced to wind down such activities in a short period of time.”

SoFi’s filing to SEC

“無法保證此類嘗試會成功。如果沒有獲得監管部門的批准，我們最終可能被迫在短時間內停止此類活動。” SoFi 向 SEC 提交的文件

The risks come as SoFi has grown its crypto business to $166 million in assets. But it lags behind crypto-native firms and faces pressure from incumbents expanding into digital assets.

隨著 SoFi 的加密業務資產規模擴大到 1.66 億美元，風險也隨之而來。但它落後於加密貨幣本土公司，並面臨現有企業向數位資產擴張的壓力。

Originally a student loan provider, SoFi has expanded to offer stock trading and other financial services. Its stock rose on strong Q2 earnings. According to Google Finance, it’s up 10% over one year.

SoFi 最初是一家學生貸款提供商，現已擴展到提供股票交易和其他金融服務。其股價因第二季獲利強勁而上漲。根據Google財經的數據，一年內上漲了 10%。

Regulatory scrutiny of crypto continues to intensify as authorities cite fraud, manipulation, and financial stability risks. The SEC is considering requiring in-house custody of crypto assets and reclassifying more tokens as securities.

隨著當局指出詐欺、操縱和金融穩定風險，對加密貨幣的監管審查繼續加強。美國證券交易委員會正在考慮要求對加密資產進行內部託管，並將更多代幣重新分類為證券。

While supportive of innovation, regulators aim to protect investors and ensure the banking system’s safety. Crypto companies are trying to comply while growing but admit it may force limits on business models.

在支持創新的同時，監管機構的目標是保護投資者並確保銀行體系的安全。加密貨幣公司在發展的同時試圖遵守規定，但承認這可能會對商業模式造成限制。

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