Rain, kripto şirketlerinin OCC güven bankacılığı başvuruları hız kazandı ve dijital varlık saklama için federal denetim amaçlanıyor

Kısaca

Rain, OCC güven bankacılığı için başvurdu; dijital varlık saklama ve dolaylı olarak stablecoin işlemleri hedefleniyor. Kamu ve düzenleyici baskı ve community bankaların itirazları nedeniyle başvuru alanında hareketlilik var. Küresel çapta regülasyon netleşiyor; yatırımcı güveni ve kurumsal talep izlenecek nokta olarak belirleniyor.

Ana mesele

OCC güven bankacılığı yetkisi için başvuru yapılmasıyla dijital varlık saklama ve stablecoin işlemleri federal denetim kapsamına alınacak

Ne değişti?

Çok sayıda kripto firması, ulusal güven bankacılığı için OCC başvurusu yapıyor

Beni nasıl etkiler?

Kurumsal müşterilerin dijital varlık yönetimi güvenli ve şeffaf bir çerçeve içinde olacak

Ne oldu?

Rain, OCC güven bankacılığı başvurusu yapan kripto firmalarından biri oldu; New York’ta bir iştiraki hedefleniyor.

Neden şimdi?

Kısıtlı amaçlı ulusal güven bankacılığı kredisi veren başvuruların hız kazandığı bir dönemdeyiz.

Neden önemli?

Dijital varlık saklama ve stablecoin operasyonlarının federal denetim kapsamında olması, kurumsal güveni artırabilir.

Kimler etkileniyor?

• Kurumsal müşteriler
• Kripto firmaları
• Düzenleyiciler
• Bankacılık ekosistemi

Sektör ve piyasa etkisi

Dünya genelinde kripto saklama ve stablecoin regülasyonu etkileri artabilir.

Riskler

• Uyum maliyetleri artabilir
• Regülasyon gecikmeleri risk yaratabilir
• Pazar belirsizliği sürebilir

Takip edilmesi gerekenler

• OCC başvurularının nasıl sonuçlandığı
• Hangi firmelerin hangi şartlarla onay aldığı
• Saklama ve stabilcoin rezerv yönetiminin pratik uygulanması

Haberin tamamı

2 min read Make preferred on Share Share this article Copy link X icon X (Twitter) LinkedIn Facebook Email Make preferred on Summary Show Rain has applied for an Office of the Comptroller of the Currency charter to create a national trust bank that would custody digital assets and dollars and manage stablecoin reserves, issuance and redemptions for institutional clients. The proposed bank would not accept deposits, make commercial loans, offer consumer accounts or carry FDIC insurance, and Rain said client assets would be segregated from the bank’s own holdings. The application, which is subject to regulatory approval and public comment, comes as community banks challenge the OCC’s authority to grant trust charters to crypto companies that do not provide traditional banking services. Stablecoin payments company Rain is the latest crypto company to seek an Office of the Comptroller of the Currency (OCC) trust-bank charter, joining a growing group of firms trying to bring custody and stablecoin operations under federal supervision.

TheRain National Trust bank, a proposed New York subsidiary, would provide fiduciary custody of digital assets and U.S. dollars, manage reserves for permitted stablecoin issuers and issue and redeem dollar-backed stablecoins for institutional clients.

The application is part of a broader rush for limited-purpose national trust-bank charters. Circle, Ripple, BitGo and Fidelity were among five crypto firms to receive initial OCC approvals in December. Circle secured final OCC approval to operate its own federal trust bank in late July in New York.

National trust banks are authorized to provide users with custody and fiduciary services but do not accept consumer deposits or make loans like traditional commercial banks.

That means relying less on third parties to hold customers’ assets, administer stablecoin reserves and handle issuance and redemptions. Rain's proposed trust bank would not accept deposits, make commercial loans or offer consumer accounts, and it would not have FDIC insurance.

Assets held for clients would be segregated from the bank’s own assets, Rain said. Stablecoin reserves held by the proposed bank would be lent, pledged or reused.

The OCC charter route has drawn opposition from traditional banks across the United States. The Independent Community Bankers of America (ICBA) sued the OCC last week , arguing that the agency lacks authority to grant national trust charters to crypto firms that do not offer traditional banking services. The ICBA said the structure gives crypto companies banking privileges without the same obligations that lenders face.

Rain’s application remains subject to OCC approval and a public-comment period.

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Kaynaklar

• CoinDesk