监管打击阴影下的加密货币银行体系–20230613

NewCryptoBankingSystemEmergesasRegulatorsCrackDownonCoinbase,Binance bloomberg.com/news/articles/2023-06-09/new-crypto-banking-system-emerges-as-regulators-crack-down-on-coinbase-binance YueqiYang,SuvashreeGhosh,EmilyNicolle ANewCryptoBankingSystemArisesUndertheShadowofaRegulatoryCrackdown 监管打击阴影下的加密货币银行体系 USregionallendersstepin,alongwithSwiss,Asian,UKfirms 美国地区¿款机构P瑞士1Þ洲和英国的公ø一起Ï入 ScrutinyincreaseswithSEClawsuitsagainstBinance,Coinbase美国证券交易委员`对比Yï公ø和Coinbase公ø的诉讼增ò了û查 EmilyNicolle 分享这篇文章 TwomonthsafterthecollapseofSilvergateCapitalCorp.andSignatureBank,anewbankinglandscapeforcryptocompaniesistakingshapeamidanexpandingcrackdownontheindustryintheUS. 在SilvergateCapitalCorp.和SignatureBank倒ýn个o^，Ÿ着美国对ò密°_行业的打üO断扩大，ò密°_公ø的ð银行业格局l在形p2 IntheUS,cryptofirmsareturningtoahandfulofsmallerregionallenderstoopenbankaccounts.CustomersBancorpInc.,aPennsylvanialender,hasbecomeapopulardestination.SwissandAsianbanksarealsoplayingabiggerrole,thoughtheystillremainselectiveabouttheircryptoclients.IntheUK,whereaccesstobankinghasalsoworsened,companiesareinsteadturningtopayment-serviceproviderstobridgethegap. 在美国，ò密°_公øl转向少数规模较小的地区性银行开¿银行¯户2宾]法|Þ银行BancorpInc.þ经p~一个Ø欢迎的目的地2瑞士和Þ洲的银行也在扮演更Þ要的角色，]管它们对ò密°_ü户Ïp选择性2在英国，银行业ó的普及程度也p所Q降，企业转而求û于支付服ó提供商来弥补à一差距2 Asaresult,crypto’snewbankingsystemismorefragmented,lessUS-centricand,attimes,lessadvertised.BloombergNewsspoketomorethanadozenofindustryparticipants,includingbanks,digital-assetexchanges,tradingfirms,startupsandconsultantstocompilealistofbanksgloballythatarereceptivetoclientsinthesector. w结果是，ò密°_的ð银行体系更ò分散，O那Nñ美国~中心，p时也更少ý`2彭博ð闻社采À了十多个行业参P者，包括银行1数_资产交易所1À易公ø1初创企业和咨询公ø，ñ编制一份全球接Ø该行业ü户的银行]W2 TheSilvergateheadquartersinLaJolla,California,onMarch9.3o9日，位于拉霍Þ的银门总部 Source:Bloomberg来源:彭博社 ThechangescomeasmainstreamUSbanksbecamewarierofprocessingwiretransfersandholdingdepositsforthecryptoindustry,followinglastyear’sturmoilandamidgrowingregulatoryscrutiny.LaJolla,California-basedSilvergateandNewYork-basedSignature,twobanksthatsupportedthebulkoftheindustry’smoneytransactions,closedinMarch,settingoffascrambleamongcryptofirmstofindalternatives. àßÙ化发生之际，l值美国流银行在ò密fi_行业处理电汇和持p`款方面Ù得更ò谨慎，m前去€的`场ú荡ñ及监管û查日益o格2总部位于ò利福|Þ州拉荷Þ的Silvergate和总部位于纽þ的Signatureàn家支持该行业大部分fi_交易的银行于΀3osý，引发ò密fi_公ø争相û~ÿï品2 <Nowit’smoreofahandfulofnames,whereyouhavetogoanddoyourownduediligencebecausetheyarenotaswell-known,atleastforthecryptocommunity,=saidRichRosenblum,presidentandco-founderofcryptotradingfirmGSR. ò密fi_交易公ø金沙集团(GSR)总裁兼联合创始人Ý奇•罗森at姆 (RichRosenblum)表示:<Ā在只剩Q少数几个]_，你必须亲自去做 ]职调查，因~它们O那Nû]，至少在ò密fi_行业是à样2=2 Thisweek,theUSSecuritiesandExchangeCommissionsuedcryptoexchangesBinanceHoldingsLtd.andCoinbaseGlobalInc.forbreakingitsrules,deliveringaone-twopunchagainstthebiggestplayersintheindustry.Bothfirmsdeniedtheallegationsandvowedtodefendthemselvesinthecourt. q周，美国证券交易委员`(SEC)起诉ò密fi_交易所BinanceHoldingsLtd.和CoinbaseGlobalInc.ß反规定，对业内Ā大的n家ò密fi_交易所发起了àÿ打ü2n家公ø都否认了àß指ç，并发誓要在法庭P~自ý辩æ2 ReadMore:SEC’sCoinbaseLawsuitHeraldsDeepeningUSCryptoCrackdown 更多内容:美国证券交易委员`Coinbase诉讼预示着美国ò密行ú的深化 <Thesehigh-profilelawsuitscallattentiontodifferentissuesthathavebeenwidelydiscussedandacknowledgedamongindustryparticipants,=suchasthelegalstatusofcertaintokens,saidJohnPopeo,partneratGallatinGroup,whichadvisesbanksandotherfirmsonregulatoryissues.<Itcouldcreateadditionalchallengesforfirmstofindbankingpartners,asthesepartnerswillengageinduediligenceandlookattheadditionalissuesrelatedtothefirms.= GallatinGroup的合_人þ翰•波佩奥(JohnPopeo)表示:<àß引人注目的诉讼引发了人们对O\þ题的s注，àßþ题在业内参P者中得到了广泛«论和认2=GallatinGroup就监管þ题~银行和w他公ø提供咨询2<àÿ能给企业û~银行合作_伴带来更多挑战，因~àß合作_伴将进行]职调查，并研究P企业相s的w它þ题2= Cryptoexchangeshavehistoricallyhaddifficultiesfindingbankingpartnerstostoredepositsandfacilitatemoneytransfersforthebuyingandsellingofdigitalassets.Losingbankingaccessmeanscryptowouldbefurtherisolatedfromthetraditionalfinanceindustry. ò密交易所历来难ñ~到银行合作_伴`储`款，并~数_资产的买X提供资金转移便利2失去银行业准入意味着ò密fi_将进一n孤立于`统金融业2 BankingaccessforcryptofirmsintheUShasbecomeworsethaninthepre-2018era,whendigitalassetswasstillanascentindustry,saidJ.AustinCampbell,adjunctprofessorofColumbiaBusinessSchool,whorunsanindependentconsultingbusinessforcryptofirms.Bankswanttoopenoperationalaccountsforcorporateusewithouttouchingusers’money,<butthat’snotenoughtorunthebusiness,=hesaid. 哥伦比Þ大学商学院(ColumbiaBusinessSchool)副教授J•奥ï汀•坎贝尔(J.AustinCampbell)表示，P2018€前相比，美国ò密fi_公ø的银行业ó状况þÙ得更~糟糕22018€前，数_资产ß是一个ðt行业2坎贝尔~ò密fi_公ø经营着一家独立咨询公ø2他表示，银行希望在Oú用户资金的情况Q，~企业开¿业ó¯户，<但àßO足ñ经营业ó2=2 Still,therebuildingandstitchingtogetherofacrypto-bankingsystemisslowlyhappening.Oneupsideisthatthediversificationof banking-serviceprovidersmeansthenewsystemcouldbemoreresilient.Whilebankingisn’tasseamlessasitwasayearago,shouldoneofthetoday’sbanksstopsupportingcrypto,<youwouldn’thavethisrejiggeringofthesystem,=Rosenblumsaid. ]管如m，ò密银行体系的Þ建和拼接Ï在缓慢进行2一个好处是，银行服ó提供商的多样化意味着ð系统ÿ能更x弹性2]管银行业O像一€前那样y衣无缝，但如果Îy的一家银行停k支持ò密fi_， <你就O`pà种系统的Þð¿计,=罗森a鲁姆说2 Explainer:WhyCryptoStillNeedsBanks 解说:~ĀNCryptoÏ然需要银行 Herearesomeofthebankscryptofirmsareturningto,brokendownbyregion: ñQ是ò密fi_公ø求