US Regulators Shut Down Republic First Bank, Sparking Crypto Shift

美国监管机构关闭共和第一银行，引发加密货币转变

US regulators have closed Philadelphia-based Republic First Bank, marking the nation's first bank failure of 2024. This has created a rift among observers and investors in the cryptocurrency market.

美国监管机构关闭了总部位于费城的共和第一银行，这是该国 2024 年第一家倒闭的银行。这在加密货币市场的观察者和投资者之间造成了裂痕。

Bank Failure Prompts Shift Towards Crypto

银行倒闭促使人们转向加密货币

Crypto trader Pillage Capital has stated that the Republic First Bank collapse is significant because "bank failures are the best possible narrative we can get for crypto."

加密货币交易商 Pillage Capital 表示，共和第一银行的倒闭意义重大，因为“银行倒闭是我们对加密货币所能得到的最好的描述。”

Zesh CEO Marius Martocsan tweeted, "Another bank just collapsed, the Republic First Bank. Yeah... I think I'll stick to Bitcoin."

Zesh 首席执行官 Marius Martocsan 发推文称：“另一家银行刚刚倒闭，共和国第一银行。是的……我想我会坚持比特币。”

On April 26, the Pennsylvania Department of Banking and Securities seized Republic First Bank, appointing the FDIC as receiver. The FDIC will assume most deposits and acquire the bank's assets.

4 月 26 日，宾夕法尼亚州银行和证券部接管了共和第一银行，并指定 FDIC 作为接管人。 FDIC 将承担大部分存款并收购银行的资产。

Republic First's Financial Position

共和第一的财务状况

As of January 31, Republic First had approximately $6 billion in assets and $4 billion in deposits. Fulton Bank has recently completed the integration process, whether through a merger or acquisition, and will establish a presence in the region early next week.

截至 1 月 31 日，Republic First 拥有约 60 亿美元资产和 40 亿美元存款。富尔顿银行最近通过合并或收购完成了整合过程，并将于下周初在该地区建立业务。

Calls for Self-Banking

呼吁自助银行业务

In 2023, rumors of a possible bank run sent BTC's price down briefly. However, over the last hour, Bitcoin has dropped 1.16% to $62,715 on CoinMarketCap. Ether has declined by 0.58% to $3,095, while altcoins have experienced steeper declines.

2023 年，有关银行可能发生挤兑的传言导致 BTC 价格短暂下跌。然而，在过去一小时内，CoinMarketCap 上的比特币下跌了 1.16% 至 62,715 美元。以太币下跌 0.58% 至 3,095 美元，而山寨币则跌幅更大。

Source: CoinMarketCap

资料来源：CoinMarketCap

Banking Industry Turmoil

银行业动荡

The news of Republic First's failure comes amid a challenging year for the banking industry. The FDIC reported five bank failures in the US in 2023. Republic First Bank has no ties to First Republic, which was acquired by JPMorgan Chase in May 2023.

共和第一银行倒闭的消息传出之际，银行业面临着充满挑战的一年。 FDIC 报告称，2023 年美国有 5 家银行倒闭。Republic First Bank 与 2023 年 5 月被摩根大通收购的 First Republic 没有任何关系。

In March 2023, the Federal Reserve closed Signature Bank, citing systemic risk concerns. This followed the closure of Silicon Valley Bank due to regulatory issues and the announcement by Silvergate Bank, a major crypto-industry transaction facilitator, that it would close its operations and enter voluntary liquidation.

2023 年 3 月，美联储以系统性风险担忧为由关闭了 Signature Bank。此前，硅谷银行因监管问题而关闭，加密行业主要交易服务商 Silvergate 银行宣布将关闭其业务并进入自愿清算。