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，由于美国监管障碍，该公司可能“被迫停止某些类型资产的交易”。

在最近向美国证券交易委员会 (SEC) 提交的文件中，SoFi 在向 SEC 提交的最新季度文件中概述了与加密货币交易相关的若干监管风险。

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.

该公司正在等待监管机构提议的加密货币交易所分类规则的变化。 SoFi 承认，在获得额外的监管许可之前，它可能会停止交易被视为证券的数字资产。

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

SoFi’s filing to SEC

“获得此类许可的时间和成本可能会很高，而且无法保证。” SoFi 向 SEC 提交的文件

SoFi 支持的加密货币包括比特币 (BTC)、以太坊 (ETH)、狗狗币 (DOGE) 等。 Solana (SOL) 和 Cardano (ADA) 于 6 月被从平台上删除，因为美国监管机构表示它们可能是证券。

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 正试图扩大其在加密货币市场的影响力，同时确保遵守监管机构的规定。然而，违反监管规定可能会对加密货币以外的其他金融服务部门产生负面影响。

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，该公司因银行控股公司不允许的“某些与加密货币相关的活动”而受到美联储的处罚。

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

SoFi 目前正在获得为期两年的有条件批准，以继续进行加密货币活动，并试图延长这一期限。

“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

“无法保证此类尝试会成功。如果没有获得监管部门的批准，我们最终可能被迫在短时间内停止此类活动。” 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.

随着 SoFi 的加密业务资产规模扩大到 1.66 亿美元，风险也随之而来。但它落后于加密货币本土公司，并面临着现有企业向数字资产扩张的压力。

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 最初是一家学生贷款提供商，现已扩展到提供股票交易和其他金融服务。其股价因第二季度盈利强劲而上涨。根据谷歌财经的数据，一年内上涨了 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.

随着当局指出欺诈、操纵和金融稳定风险，对加密货币的监管审查继续加强。美国证券交易委员会正在考虑要求对加密资产进行内部托管，并将更多代币重新分类为证券。

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.

在支持创新的同时，监管机构的目标是保护投资者并确保银行体系的安全。加密货币公司在发展的同时试图遵守规定，但承认这可能会对商业模式造成限制。

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