<p>美国联邦储备委员会已正式请求公众对一项提案进行评论，该提案旨在建立一种新型支付账户，可能允许某些加密公司访问美联储的清算和结算系统。</p>
<p>中央银行在周三的声明中写道，来自未获得联邦保险的机构对美联储支付服务的访问请求数量正在增加。</p>
<p>声明中提到：&#34;拟议的支付账户将专门支持创新，满足某些合格机构的清算和结算需求，同时降低对储备银行和支付系统的重大风险。&#34;</p>
<p>根据《联邦储备法》，联邦储备银行目前有权批准或拒绝对美联储账户的访问申请。合格申请者通常是持牌存款机构。</p>
<p>美联储表示，拟议的账户与 2025 年 12 月提出的提案&#34;实质上相似&#34;。根据该提案，账户持有人将可以访问具有自动控制的支付服务，但不会获得日内信贷、折扣窗口的访问权限或在美联储持有的余额上获得利息。</p>
<p>尽管如此，访问这些通常被称为&#34;主账户&#34;的账户将使加密公司能够直接连接到美国核心支付系统，而无需依赖中介银行。</p>
<p>最新的提案对 2025 年 12 月发布的先前版本进行了某些修改，包括提高最大结余限额。</p>
<p><strong>特朗普的行政命令</strong></p>
<p>美联储最新的公众意见请求是在唐纳德·特朗普总统周二发布的行政命令之后，该命令指示中央银行审查和更新法规，以&#34;允许将数字资产和创新技术整合到传统金融服务和支付系统中。&#34;</p>
<p>特朗普特别指示美联储对其监管框架进行全面评估，该框架管理对储备银行支付账户和支付服务的访问，并探索将此类访问扩展到金融科技和加密公司的选项。</p>
<p>在美联储审查扩大加密和金融科技公司主账户访问的提案时，其董事会表示鼓励储备银行暂时暂停对第三级机构（包括加密公司）的申请决策，直到董事会完成对该提案的政策制定过程。</p>
<p>免责声明：The Block 是一个独立的媒体机构，提供新闻、研究和数据。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投资者。Foresight Ventures 还投资于其他加密领域的公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合伙人。The Block 继续独立运营，提供关于加密行业的客观、重要和及时的信息。以下是我们当前的财务披露。</p>
<p>© 2026 The Block. 版权所有。本文仅供信息参考，不提供或意图作为法律、税务、投资、金融或其他建议。</p>

BTDR

ETHE

<p>美国联邦储备委员会正在征求公众对一项提案的意见，该提案旨在为某些加密公司创建新的支付账户，使其能够访问美联储的清算和结算系统。这一举措是响应特朗普总统的行政命令，旨在审查将数字资产整合到传统金融服务中的相关法规。提议的账户将允许直接连接到美国支付系统，而无需中介银行，尽管它不会提供日内信贷或余额利息。美联储已建议在政策制定完成之前暂停来自加密公司的申请</p>

<p>The U.S. Federal Reserve has officially requested public comment on a proposal to establish a new type of payment account that may allow certain crypto firms to access the Fed's clearing and settlement systems.</p>
<div class="lb-trans"><p>美国联邦储备委员会已正式请求公众对一项提案进行评论，该提案旨在建立一种新型支付账户，可能允许某些加密公司访问美联储的清算和结算系统。</p>
</div><p>The central bank wrote in its Wednesday statement that it has received an increasing number of requests for access to the Fed's payment services from institutions that are not federally insured.</p>
<div class="lb-trans"><p>中央银行在周三的声明中写道，来自未获得联邦保险的机构对美联储支付服务的访问请求数量正在增加。</p>
</div><p>&#34;The proposed payment account would be tailored to support innovation by serving the clearing and settlement needs of certain eligible institutions while also mitigating material risks to the Reserve Banks and payment system,&#34; the statement said.</p>
<div class="lb-trans"><p>声明中提到：&#34;拟议的支付账户将专门支持创新，满足某些合格机构的清算和结算需求，同时降低对储备银行和支付系统的重大风险。&#34;</p>
</div><p>Under the Federal Reserve Act, Federal Reserve banks currently have the authority to approve or deny applications for access to the Fed accounts. Qualified applicants are generally licensed depository institutions.</p>
<div class="lb-trans"><p>根据《联邦储备法》，联邦储备银行目前有权批准或拒绝对美联储账户的访问申请。合格申请者通常是持牌存款机构。</p>
</div><p>The proposed account is &#34;substantially similar&#34; to the proposal introduced in December 2025, the Fed said. Under the proposal, account holders would have access to payment services with automated controls, but would not receive intraday credit, access to the discount window, or interest on balances held at the Fed.</p>
<div class="lb-trans"><p>美联储表示，拟议的账户与 2025 年 12 月提出的提案&#34;实质上相似&#34;。根据该提案，账户持有人将可以访问具有自动控制的支付服务，但不会获得日内信贷、折扣窗口的访问权限或在美联储持有的余额上获得利息。</p>
</div><p>Still, access to the accounts, often referred to as &#34;master accounts,&#34; would enable crypto firms to connect directly to core U.S. payment rails without relying on intermediary banks.</p>
<div class="lb-trans"><p>尽管如此，访问这些通常被称为&#34;主账户&#34;的账户将使加密公司能够直接连接到美国核心支付系统，而无需依赖中介银行。</p>
</div><p>The latest proposal has made some changes to the previous version released in December, which includes increasing the maximum closing balance.</p>
<div class="lb-trans"><p>最新的提案对 2025 年 12 月发布的先前版本进行了某些修改，包括提高最大结余限额。</p>
</div><p><strong>Trump's executive order</strong></p>
<div class="lb-trans"><p><strong>特朗普的行政命令</strong></p>
</div><p>The Fed's latest request for public input follows President Donald Trump's executive order on Tuesday, which directed the central bank to review and update regulations to &#34;allow integration of digital assets and innovative technology into traditional financial services and payment systems.&#34;</p>
<div class="lb-trans"><p>美联储最新的公众意见请求是在唐纳德·特朗普总统周二发布的行政命令之后，该命令指示中央银行审查和更新法规，以&#34;允许将数字资产和创新技术整合到传统金融服务和支付系统中。&#34;</p>
</div><p>Trump specifically instructed the Fed to conduct a comprehensive evaluation of its regulatory framework governing access to Reserve Bank payment accounts and payment services, and to explore options for extending such access to fintech and crypto firms.</p>
<div class="lb-trans"><p>特朗普特别指示美联储对其监管框架进行全面评估，该框架管理对储备银行支付账户和支付服务的访问，并探索将此类访问扩展到金融科技和加密公司的选项。</p>
</div><p>As the Fed reviews the proposal to expand master account access for crypto and fintech firms, its Board said it encourages Reserve Banks to temporarily pause decisions on applications from Tier 3 institutions — a category that includes crypto firms — until the Board has completed its policy development process on the proposal.</p>
<div class="lb-trans"><p>在美联储审查扩大加密和金融科技公司主账户访问的提案时，其董事会表示鼓励储备银行暂时暂停对第三级机构（包括加密公司）的申请决策，直到董事会完成对该提案的政策制定过程。</p>
</div><p>Disclaimer: The Block is an independent media outlet that delivers news, research, and data. As of November 2023, Foresight Ventures is a majority investor of The Block. Foresight Ventures invests in other companies in the crypto space. Crypto exchange Bitget is an anchor LP for Foresight Ventures. The Block continues to operate independently to deliver objective, impactful, and timely information about the crypto industry. Here are our current financial disclosures.</p>
<div class="lb-trans"><p>免责声明：The Block 是一个独立的媒体机构，提供新闻、研究和数据。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投资者。Foresight Ventures 还投资于其他加密领域的公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合伙人。The Block 继续独立运营，提供关于加密行业的客观、重要和及时的信息。以下是我们当前的财务披露。</p>
</div><p>© 2026 The Block. All Rights Reserved. This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.</p>
<div class="lb-trans"><p>© 2026 The Block. 版权所有。本文仅供信息参考，不提供或意图作为法律、税务、投资、金融或其他建议。</p>
</div>

Fed seeks input on expanding master account access following Trump’s executive order

- 美国联邦储备委员会请求公众对新型支付账户提案进行评论。  
- 该账户旨在让加密公司直接访问美联储的支付系统。  
- 提案修改提高结余限额，回应特朗普行政命令关于数字资产整合的要求。

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美联储在特朗普行政命令之后，寻求意见以扩大主账户的访问权限