Key Points:

要点：

• 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)?

货币审计员（OCC）的办公室最近放宽了限制，允许银行在没有事先监管的无批准的情况下持有加密货币资产。包括BNY Mellon，Fidelity和State Street在内的Major银行已经开始提供Crypto Cassody Services。该决定为BOCT提供了新的范围，该公司的范围内的范围内的新机构，该公司的范围内的新机构，该公司的内部范围内的机构构成了该范围，并且该公司的范围内的范围内的构建机构，并提供了框架，并将其本身的框架构成，该企业的范围内的构建机构，并提供了该决定的范围。资产。货币审计器的办公室是什么（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.

货币审计长办公室（OCC）是美国财政部的独立局。 它监管和监督国家银行和联邦储蓄协会，确保安全运营，公平获得金融服务以及遵守银行法。

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极大地影响了传统金融机构与加密货币和区块链技术的互动方式。 最近的OCC裁决和指导使银行能够：

• 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.

加密本主管监护权：为客户提供加密货币。 但是，OCC强调了对所有传统和新颖的银行活动进行强大风险管理控制的需求。 这旨在简化进入加密货币空间的银行的过程，并确保不管基本技术如何，确保OCC治疗。

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等主要金融机构已经在提供加密保管服务，为机构和零售投资者提供了安全的存储和合规解决方案。 这为银行提供了很大的机会，但也需要仔细考虑和管理相关风险。

Why it Matters:

为什么重要：

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对加密货币的立场对于主流采用至关重要。 通过允许受监管的银行提供与加密相关的服务，它促进了传统金融（TradFI）与分散财务（DEFI）之间的桥梁，从而增强了机构和零售投资者的可及性和安全性。