<p>美國聯邦儲備委員會已正式請求公眾對一項提案進行評論，該提案旨在建立一種新型支付賬户，可能允許某些加密公司訪問美聯儲的清算和結算系統。</p>
<p>中央銀行在週三的聲明中寫道，來自未獲得聯邦保險的機構對美聯儲支付服務的訪問請求數量正在增加。</p>
<p>聲明中提到：&#34;擬議的支付賬户將專門支持創新，滿足某些合格機構的清算和結算需求，同時降低對儲備銀行和支付系統的重大風險。&#34;</p>
<p>根據《聯邦儲備法》，聯邦儲備銀行目前有權批准或拒絕對美聯儲賬户的訪問申請。合格申請者通常是持牌存款機構。</p>
<p>美聯儲表示，擬議的賬户與 2025 年 12 月提出的提案&#34;實質上相似&#34;。根據該提案，賬户持有人將可以訪問具有自動控制的支付服務，但不會獲得日內信貸、折扣窗口的訪問權限或在美聯儲持有的餘額上獲得利息。</p>
<p>儘管如此，訪問這些通常被稱為&#34;主賬户&#34;的賬户將使加密公司能夠直接連接到美國核心支付系統，而無需依賴中介銀行。</p>
<p>最新的提案對 2025 年 12 月發佈的先前版本進行了某些修改，包括提高最大結餘限額。</p>
<p><strong>特朗普的行政命令</strong></p>
<p>美聯儲最新的公眾意見請求是在唐納德·特朗普總統週二發佈的行政命令之後，該命令指示中央銀行審查和更新法規，以&#34;允許將數字資產和創新技術整合到傳統金融服務和支付系統中。&#34;</p>
<p>特朗普特別指示美聯儲對其監管框架進行全面評估，該框架管理對儲備銀行支付賬户和支付服務的訪問，並探索將此類訪問擴展到金融科技和加密公司的選項。</p>
<p>在美聯儲審查擴大加密和金融科技公司主賬户訪問的提案時，其董事會表示鼓勵儲備銀行暫時暫停對第三級機構（包括加密公司）的申請決策，直到董事會完成對該提案的政策制定過程。</p>
<p>免責聲明：The Block 是一個獨立的媒體機構，提供新聞、研究和數據。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投資者。Foresight Ventures 還投資於其他加密領域的公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合夥人。The Block 繼續獨立運營，提供關於加密行業的客觀、重要和及時的信息。以下是我們當前的財務披露。</p>
<p>© 2026 The Block. 版權所有。本文僅供信息參考，不提供或意圖作為法律、税務、投資、金融或其他建議。</p>

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<p>美國聯邦儲備委員會正在徵求公眾對一項提案的意見，該提案旨在為某些加密公司創建新的支付賬户，使其能夠訪問美聯儲的清算和結算系統。這一舉措是響應特朗普總統的行政命令，旨在審查將數字資產整合到傳統金融服務中的相關法規。提議的賬户將允許直接連接到美國支付系統，而無需中介銀行，儘管它不會提供日內信貸或餘額利息。美聯儲已建議在政策制定完成之前暫停來自加密公司的申請</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>美國聯邦儲備委員會已正式請求公眾對一項提案進行評論，該提案旨在建立一種新型支付賬户，可能允許某些加密公司訪問美聯儲的清算和結算系統。</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>中央銀行在週三的聲明中寫道，來自未獲得聯邦保險的機構對美聯儲支付服務的訪問請求數量正在增加。</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>聲明中提到：&#34;擬議的支付賬户將專門支持創新，滿足某些合格機構的清算和結算需求，同時降低對儲備銀行和支付系統的重大風險。&#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>根據《聯邦儲備法》，聯邦儲備銀行目前有權批准或拒絕對美聯儲賬户的訪問申請。合格申請者通常是持牌存款機構。</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>美聯儲表示，擬議的賬户與 2025 年 12 月提出的提案&#34;實質上相似&#34;。根據該提案，賬户持有人將可以訪問具有自動控制的支付服務，但不會獲得日內信貸、折扣窗口的訪問權限或在美聯儲持有的餘額上獲得利息。</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>儘管如此，訪問這些通常被稱為&#34;主賬户&#34;的賬户將使加密公司能夠直接連接到美國核心支付系統，而無需依賴中介銀行。</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>最新的提案對 2025 年 12 月發佈的先前版本進行了某些修改，包括提高最大結餘限額。</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>美聯儲最新的公眾意見請求是在唐納德·特朗普總統週二發佈的行政命令之後，該命令指示中央銀行審查和更新法規，以&#34;允許將數字資產和創新技術整合到傳統金融服務和支付系統中。&#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>特朗普特別指示美聯儲對其監管框架進行全面評估，該框架管理對儲備銀行支付賬户和支付服務的訪問，並探索將此類訪問擴展到金融科技和加密公司的選項。</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>在美聯儲審查擴大加密和金融科技公司主賬户訪問的提案時，其董事會表示鼓勵儲備銀行暫時暫停對第三級機構（包括加密公司）的申請決策，直到董事會完成對該提案的政策制定過程。</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>免責聲明：The Block 是一個獨立的媒體機構，提供新聞、研究和數據。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投資者。Foresight Ventures 還投資於其他加密領域的公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合夥人。The Block 繼續獨立運營，提供關於加密行業的客觀、重要和及時的信息。以下是我們當前的財務披露。</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. 版權所有。本文僅供信息參考，不提供或意圖作為法律、税務、投資、金融或其他建議。</p>
</div>

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

- 美國聯邦儲備委員會請求公眾對新型支付賬户提案進行評論。  
- 該賬户旨在讓加密公司直接訪問美聯儲的支付系統。  
- 提案修改提高結餘限額，回應特朗普行政命令關於數字資產整合的要求。

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美聯儲在特朗普行政命令之後，尋求意見以擴大主賬户的訪問權限