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OCC approved trust bank charters for Circle and Ripple and conversions for BitGo, Paxos and Fidelity Digital Assets.

Langkah ini memindahkan perusahaan kripto besar di bawah pengawasan federal, dengan fokus pada layanan kustodian dan fidusia, bukan pinjaman.

Perusahaan mengatakan bahwa piagam tersebut memperkuat pengawasan terhadap stablecoin dan aset digital karena kebijakan OCC menjadi lebih akomodatif.

Kantor Pengawas Mata Uang AS mengumumkan bahwa mereka memberikan piagam bank kepercayaan nasional bersyarat kepada lima perusahaan aset digital. Persetujuan tersebut mencakup Circle, Ripple, BitGo, Paxos, dan Fidelity Digital Assets. Langkah ini menempatkan penerbit dan kustodian stablecoin di bawah pengawasan federal setelah memenuhi syarat regulasi.

Perusahaan Mana yang Menerima Persetujuan Bersyarat

OCC menyetujui dua bank trust nasional baru dan tiga konversi piagam. Yang menarik, First National Digital Currency Bank milik Ripple dan Circle menerima persetujuan sebagai bank trust nasional de novo. Sementara itu, BitGo, Fidelity Digital Assets, dan Paxos mendapatkan persetujuan untuk mengonversi piagam trust negara bagian yang ada menjadi status federal.

Setelah selesai, perusahaan-perusahaan ini akan bergabung dengan sekitar 60 bank trust nasional yang diatur oleh OCC. Namun, bank trust menghadapi batasan dibandingkan dengan bank nasional penuh. Mereka tidak dapat menerima deposito atau mengeluarkan pinjaman. Sebaliknya, mereka fokus pada layanan fidusia, termasuk kustodian dan administrasi aset digital.

Menurut OCC, lembaga tersebut menerapkan standar peninjauan yang sama yang digunakan untuk semua aplikasi piagam. Setiap perusahaan masih harus memenuhi persyaratan operasional, kepatuhan, dan pengawasan sebelum mendapatkan persetujuan akhir.

Perpindahan Regulasi di Bawah Kepemimpinan OCC

Persetujuan ini mengikuti perubahan kebijakan di bawah Kepala Pengawas Jonathan V. Gould, yang diangkat selama pemerintahan Presiden Donald Trump. Sebelumnya, perusahaan kripto bergantung terutama pada piagam negara bagian. Namun, OCC telah bergerak ke arah mengakomodasi institusi aset digital yang diawasi secara federal.

Gould menyatakan bahwa OCC mendukung layanan keuangan tradisional dan inovatif. Ia menambahkan bahwa pendatang baru memperkuat kompetisi dan akses konsumen. OCC tetap menjadi satu-satunya lembaga federal yang berwenang mengeluarkan piagam bank nasional dan trust.

Lembaga ini juga merilis laporan pada hari Kamis yang membahas praktik debanking. Laporan tersebut menyatakan bahwa bank-bank besar AS memutus hubungan dengan bisnis yang sah, termasuk perusahaan kripto, dan mungkin menghadapi sanksi.

Tanggapan dari Circle, Ripple, dan Perusahaan Lain

CEO Ripple Brad Garlinghouse menggambarkan persetujuan tersebut sebagai “berita besar” dalam sebuah posting di X. Ia merujuk pada stablecoin Ripple sebesar $1,3 miliar RLUSD dan mengkritik oposisi industri perbankan. Circle mengatakan piagamnya akan meningkatkan pengawasan terhadap cadangan USDC dan mendukung layanan kustodian institusional.

Paxos menyoroti platform yang diatur secara federal untuk penerbitan dan penyelesaian aset digital. CEO BitGo Mike Belshe mengatakan bahwa persetujuan ini menandai integrasi regulasi yang lebih dalam. Fidelity Digital Assets juga menerima persetujuan konversi, memperluas status regulasi federalnya.

Postingan OCC Grants Conditional Trust Bank Charters to Crypto Firms muncul di Crypto Front News. Kunjungi situs web kami untuk membaca artikel menarik lainnya tentang cryptocurrency, teknologi blockchain, dan aset digital.

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