<p>马萨诸塞州参议员 <strong>伊丽莎白·沃伦</strong>（D-Mass.）周二质疑货币监理署允许九家加密公司在没有适当保障的情况下作为银行运营。</p>
<h3>沃伦质疑货币监理署批准九家加密信托章程</h3>
<p>沃伦是参议院银行委员会的排名民主党人，她向货币监理署署长乔纳森·古尔德发送了一封 信件，质疑对 <strong>Coinbase Global Inc.</strong>（NASDAQ: COIN）、Paxos、<strong>Ripple</strong>（CRYPTO: XRP）、BitGo 和 Fidelity Digital Asset Services 的信托批准。</p>
<p>“这些公司实际上是想逃避作为银行所需的基本保障和义务的加密银行，” 沃伦写道。</p>
<p>她认为，货币监理署促进这种监管套利的决定与联邦法律相冲突，并对消费者和银行系统构成严重风险。</p>
<p>货币监理署已向加密公司授予信托章程，因为该机构接受了 <strong>唐纳德·特朗普</strong> 总统的议程，以提升加密行业并建立友好的监管环境。</p>
<h3>信托章程与全服务银行章程的区别</h3>
<p>沃伦指出，加密公司正在避免作为高度监管的全服务国家银行的批准过程，而是选择更狭窄的信托银行章程。她认为它们看起来像加密银行，而不是信托公司。</p>
<p>商业计划中包含的语言表明，这些公司打算从事非信托责任的保管活动，促进支付和贷款活动，并进行与存款相关的稳定币活动——这些功能通常是全银行所保留的。</p>
<p>沃伦的信件挑战了信托银行与商业银行之间的界限，认为这些公司模糊了界限，同时避免了全银行章程所带来的更严格的监管。</p>
<h3>沃伦要求提供特朗普家族沟通记录</h3>
<p>在她对货币监理署流程的信息请求中，沃伦要求提供该机构与特朗普总统或其家人之间关于公司章程的任何沟通记录。</p>
<p>这位马萨诸塞州的立法者曾多次批评 <strong>世界自由金融公司</strong> 的待批章程，该加密公司是特朗普及其家族持有股份的。</p>
<p>沃伦之前曾试图因特朗普的关系推迟世界自由的银行章程。</p>
<h3>货币监理署对沃伦的指控保持沉默</h3>
<p>货币监理署尚未立即回应关于沃伦信件的评论请求。</p>
<p>这一争议发生在加密行业推动更清晰的监管框架之际，而一些立法者则对适当的监管表示担忧。</p>
<p>沃伦的挑战给货币监理署署长 <strong>乔纳森·古尔德</strong> 施加了压力，后者在之前的听证会上因其对加密银行章程的处理受到沃伦的批评。</p>
<p>这封信标志着沃伦对加密与传统银行系统整合的持续审查的最新升级。</p>
<p><em>图片来源：Shutterstock</em></p>

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COIN

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<p>参议员伊丽莎白·沃伦对货币监理署（OCC）在没有足够保护措施的情况下，向包括 Coinbase 和 Ripple 在内的九家加密货币公司授予银行特权表示担忧。她批评 OCC 允许这些公司绕过基本的银行监管，认为这削弱了联邦法律，并对消费者和金融系统构成风险</p>

<p>Senator <strong>Elizabeth Warren</strong> (D-Mass.) on Tuesday questioned the Office of the Comptroller of the Currency letting nine crypto firms operate as banks without proper safeguards.</p>
<div class="lb-trans"><p>马萨诸塞州参议员 <strong>伊丽莎白·沃伦</strong>（D-Mass.）周二质疑货币监理署允许九家加密公司在没有适当保障的情况下作为银行运营。</p>
</div><h3>Warren Questions OCC Approval Of Nine Crypto Trust Charters</h3>
<div class="lb-trans"><h3>沃伦质疑货币监理署批准九家加密信托章程</h3>
</div><p>Warren, the ranking Democrat on the Senate Banking Committee, sent a letter to OCC chief Jonathan Gould questioning approvals for trusts belonging to <strong>Coinbase Global Inc.</strong> (NASDAQ: COIN), Paxos, <strong>Ripple</strong> (CRYPTO: XRP), BitGo, and Fidelity Digital Asset Services.</p>
<div class="lb-trans"><p>沃伦是参议院银行委员会的排名民主党人，她向货币监理署署长乔纳森·古尔德发送了一封 信件，质疑对 <strong>Coinbase Global Inc.</strong>（NASDAQ: COIN）、Paxos、<strong>Ripple</strong>（CRYPTO: XRP）、BitGo 和 Fidelity Digital Asset Services 的信托批准。</p>
</div><p>“These companies are effectively crypto banks that want to evade the fundamental safeguards and obligations that come with being a bank,” Warren wrote.</p>
<div class="lb-trans"><p>“这些公司实际上是想逃避作为银行所需的基本保障和义务的加密银行，” 沃伦写道。</p>
</div><p>She argued the OCC’s decision to facilitate this regulatory arbitrage conflicts with federal law and poses serious risks to consumers and the banking system.</p>
<div class="lb-trans"><p>她认为，货币监理署促进这种监管套利的决定与联邦法律相冲突，并对消费者和银行系统构成严重风险。</p>
</div><p>The OCC has granted trust charters to crypto firms as the agency embraced President <strong>Donald Trump</strong>‘s agenda to elevate the crypto sector and establish a friendly regulatory environment.</p>
<div class="lb-trans"><p>货币监理署已向加密公司授予信托章程，因为该机构接受了 <strong>唐纳德·特朗普</strong> 总统的议程，以提升加密行业并建立友好的监管环境。</p>
</div><h3>Trust Charters vs. Full-Service Bank Charters</h3>
<div class="lb-trans"><h3>信托章程与全服务银行章程的区别</h3>
</div><p>Warren pointed out the crypto companies are avoiding the process to be approved as highly regulated, full-service national banks and taking narrower trust-bank charters instead. She argued they look like crypto banks, not trust companies.</p>
<div class="lb-trans"><p>沃伦指出，加密公司正在避免作为高度监管的全服务国家银行的批准过程，而是选择更狭窄的信托银行章程。她认为它们看起来像加密银行，而不是信托公司。</p>
</div><p>The business plans include language suggesting the companies intend to engage in non-fiduciary custodial activities, facilitating payments and lending activities, and conducting stablecoin activities closely related to deposit-taking—all functions typically reserved for full banks.</p>
<div class="lb-trans"><p>商业计划中包含的语言表明，这些公司打算从事非信托责任的保管活动，促进支付和贷款活动，并进行与存款相关的稳定币活动——这些功能通常是全银行所保留的。</p>
</div><p>Warren’s letter challenged the separation between trust banks and commercial banks, arguing these firms are blurring the lines while avoiding the stricter oversight that comes with full banking charters.</p>
<div class="lb-trans"><p>沃伦的信件挑战了信托银行与商业银行之间的界限，认为这些公司模糊了界限，同时避免了全银行章程所带来的更严格的监管。</p>
</div><h3>Warren Demands Records On Trump Family Communications</h3>
<div class="lb-trans"><h3>沃伦要求提供特朗普家族沟通记录</h3>
</div><p>Among her requests for information on the OCC process, Warren asked for records of any communications between the agency and President Trump or his family members on chartering firms.</p>
<div class="lb-trans"><p>在她对货币监理署流程的信息请求中，沃伦要求提供该机构与特朗普总统或其家人之间关于公司章程的任何沟通记录。</p>
</div><p>The Massachusetts lawmaker has repeatedly criticized the pending charter track for <strong>World Liberty Financial Inc.</strong>, the crypto company that Trump and his family hold a stake in.</p>
<div class="lb-trans"><p>这位马萨诸塞州的立法者曾多次批评 <strong>世界自由金融公司</strong> 的待批章程，该加密公司是特朗普及其家族持有股份的。</p>
</div><p>Warren previously attempted to delay World Liberty’s bank charter over Trump ties.</p>
<div class="lb-trans"><p>沃伦之前曾试图因特朗普的关系推迟世界自由的银行章程。</p>
</div><h3>OCC Silent On Warren’s Accusations</h3>
<div class="lb-trans"><h3>货币监理署对沃伦的指控保持沉默</h3>
</div><p>The OCC didn’t immediately respond to a request for comment on Warren’s letter.</p>
<div class="lb-trans"><p>货币监理署尚未立即回应关于沃伦信件的评论请求。</p>
</div><p>The controversy comes as the crypto industry pushes for clearer regulatory frameworks while some lawmakers raise concerns about proper oversight.</p>
<div class="lb-trans"><p>这一争议发生在加密行业推动更清晰的监管框架之际，而一些立法者则对适当的监管表示担忧。</p>
</div><p>Warren’s challenge puts pressure on OCC chief <strong>Jonathan Gould</strong>, who has faced criticism from the senator in previous hearings over his approach to crypto bank charters.</p>
<div class="lb-trans"><p>沃伦的挑战给货币监理署署长 <strong>乔纳森·古尔德</strong> 施加了压力，后者在之前的听证会上因其对加密银行章程的处理受到沃伦的批评。</p>
</div><p>The letter marks the latest escalation in Warren’s ongoing scrutiny of crypto’s integration into the traditional banking system.</p>
<div class="lb-trans"><p>这封信标志着沃伦对加密与传统银行系统整合的持续审查的最新升级。</p>
</div><p><em>Image: Shutterstock</em></p>
<div class="lb-trans"><p><em>图片来源：Shutterstock</em></p>
</div>

Elizabeth Warren Questions 'Effective Crypto Banks' By Coinbase, Ripple, Paxos

- 参议员伊丽莎白·沃伦质疑货币监理局允许九家加密公司作为银行运营。  
- 她认为这些公司规避了银行的基本保障和义务，可能对消费者和银行系统构成风险。  
- 没有回应沃伦的指控，争议在于加密行业监管框架的明确性与适当性。

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伊丽莎白·沃伦质疑 Coinbase、Ripple 和 Paxos 作为 “有效加密银行” 的角色