海妖获银行宪章批准(谷歌翻译)

Kraken 09-17 00:09 相关类型 其它

我们很高兴地宣布,怀俄明州已批准Kraken的申请,以组建全球首家特殊用途的储蓄机构(SPDI), 称为Kraken Financial。

Kraken Financial总部位于怀俄明州夏安市,是美国历史上第一家获得联邦和州法律认可的银行宪章的数字资产公司,并且将是第一家受监管的美国银行,为客户提供全面的存款,托管和信托服务。数字资产。

从支付账单和接收加密货币的薪水到将数字资产整合到投资和交易组合中,Kraken Financial将使美国的Kraken客户能够在数字资产和本国货币之间无缝地进行银行业务。

Kraken Financial首席执行官David Kinitsky说:

“我们很高兴能在一种与我们的理念和价值观保持一致的状态下工作。怀俄明州是一个罕见而光鲜的例子,它说明了周到的监管如何推动金融科技公司的创新。”

这家新机构的监管方式将与其他美国银行大致相同。

有关我们计划的更多信息,我们在下面汇总了完整的常见问题解答,以分享我们对Kraken Financial未来目标的目标:

1. Kraken为什么决定申请SPDI宪章?

Kraken的愿景是成为未来的加密经济与当今现有金融生态系统之间的全球信任桥梁。

SPDI银行章程允许Kraken在内部建造这座桥。有了该章程,我们可以运营一家完全独立的银行,这将减少我们对第三方金融机构的依赖,甚至有助于为我们的用户推出新一波的创新产品。毫无疑问,一家完全致力于用户利益的银行是实现这一愿景的最佳方法。

怀俄明州的监管方法在世界各地的计划中都是独一无二的,它谨慎地调整了数字资产创新者及其客户的利益。

尽管许多监管机构都在谈论促进创新,但怀俄明州是唯一以具体的,可行的商业方式切实树立这一愿景的州。

2. Kraken Financial将在哪里运作?

Kraken Financial将在本地启动,但不久将在全球运营。

SPDI章程将帮助我们在全球范围内扩大Kraken的业务范围,还将帮助更广泛的Kraken组织为世界各地的公司提供服务。

3.国际人士可以申请银行账户吗?

在运营的第一阶段,Kraken Financial将仅向美国居民提供帐户。我们希望尽快向全球扩展。

4. SPDI与传统商业银行有何不同?监管不同吗?

有几种不同类型的银行。存在传统的社区银行,通过保护客户存款并借出这些存款来满足其邻居和小型企业的信贷需求,从而为当地社区服务。

其他类型的银行(称为“托管银行”)提供的服务更侧重于资产托管,并为客户提供在受监管的证券和商品市场进行交易的安全,可信赖的门户。托管银行是美国最大的银行之一。

SPDI以相同的方式是托管银行,但用于虚拟货币等数字资产。但是,托管银行和社区银行都仍然是联邦和州法律下的“银行”,因为它们开展存款活动。

怀俄明州法律规定,作为银行的Kraken Financial必须始终保持其法定货币存款的100%储备。如果每个客户都要求同时提款,那么Kraken Financial将能够立即完成每笔提款,而无需考虑我们有多少未偿还的贷款。

这是SPDI宪章的优势,因为FDIC通常只为不超过250,000美元的存款提供保险。因此,FDIC不需要为存款提供保险。

怀俄明州银行部将对Kraken Financial的监管方式与其他美国银行大致相同。该部门目前正在根据怀俄明州和联邦法律的标准,完成第一本针对银行和数字资产的监管手册的开发。

5.您将提供哪些产品和服务?

我们的产品会随着时间的推移而发展,但我们计划通过数字资产和本国货币之间的无缝银行网关为客户提供他们期望的一切

在运营的第一年中,SPDI计划使客户能够将美元和托管数字资产存入受监管的国家特许银行。这些银行服务将无缝集成到现有的交换服务中,从而为客户提供更好的融资基础架构,更好的体验和增强的监管透明度。

此外,由于我们在加密和传统金融之间的桥梁地位,我们在运营的第一年将提供以下针对加密的服务:

  • 数字资产托管
  • 需求/存款帐户(DDA)
  • 电汇和资金服务。

我们预计在未来几年内将支持其他服务,包括:

  • 增强的数字资产托管产品
  • 数字资产抵押
  • 信托账户和管理
  • 个人帐户的其他服务:
    • 完整的在线和移动银行产品套件
    • 客户可以用来花费其加密货币资金的借记卡
  • 为企业客户提供的其他服务:
    • 账户管理服务
    • 银行安慰函
    • 存款验证
    • 资金证明。

最后,我们希望能够提供额外的零售,财富管理和财务服务(以及可能的其他资产类别,例如证券),敬请期待!

6.您有分支机构和实际位置吗?

我们将在怀俄明州夏安市设有常驻机构,将容纳Kraken Financial的许多重要后台团队和职能部门。

Kraken将采用在线和移动优先的银行业务模式。我们希望使人们能够通过单一门户客户体验尽可能轻松地访问和管理他们的资金,而无论他们在一天中的时间或当前的位置如何。

客户服务和支持将在24/7/365提供。

7.您是否将为经纪商和基金提供合格的托管服务?

Kraken正在制定政策和程序,以确保当其根据适用的联邦和州法律担任投资专业人士的合格保管人时,将完全遵守所有适用的法律和法规。

我们认为SPDI首次作为一家州立银行,而不是许多提供托管但不提供全权委托服务的信托公司,为此奠定了基础。

8.这对Kraken交易所客户意味着什么?

新老客户都将有机会申请我们的传统财务帐户。完成入职程序后,他们将能够在交易所上快速无缝地为其帐户注资。

此外,他们将首次能够利用第一家可以提供并专业管理复杂加密产品的多合一服务提供商带来的无缝性和易用性。

前瞻性声明,包括产品报价,管理计划和业务计划,如有更改,恕不另行通知

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Kraken Wins Bank Charter Approval

We are thrilled to announce that the State of Wyoming has approved Kraken’s application to form the world’s first Special Purpose Depository Institution (SPDI), tentatively called Kraken Financial.

Headquartered in Cheyenne, Wyoming, Kraken Financial is the first digital asset company in U.S. history to receive a bank charter recognized under federal and state law, and will be the first regulated, U.S. bank to provide comprehensive deposit-taking, custody and fiduciary services for digital assets.

From paying bills and receiving salaries in cryptocurrency to incorporating digital assets into investment and trading portfolios, Kraken Financial will enable Kraken clients in the U.S. to bank seamlessly between digital assets and national currencies.

David Kinitsky, CEO of Kraken Financial, said:

“We’re thrilled to work in a state so aligned with our philosophy and values. Wyoming is a rare and shining example of how thoughtful regulation can drive innovation for FinTech companies.”

This new institution will be regulated in largely the same manner as other U.S. banks.

For more information on our initiative, we’ve assembled a full FAQ to share our goals for the future of Kraken Financial below:

1. Why did Kraken decide to apply for an SPDI charter?

Kraken’s vision is to become the world’s trusted bridge between the crypto economy of the future and today’s existing financial ecosystem.

An SPDI bank charter permits Kraken to build this bridge in-house. With the charter in place, we can operate a fully independent bank that will reduce our reliance on third-party financial institutions and even help launch a new wave of innovative products for our users. A bank fully dedicated to the interests of our users is, without a doubt, the best way to deliver on this vision.

Wyoming’s approach to regulation is unique among programs anywhere in the world, its careful tailoring balancing the interests of digital asset innovators and their clients.

Though many regulators talk about fostering innovation, Wyoming is the only state to actually build out this vision in a concrete, commercially viable way.

2. Where will Kraken Financial operate?

Kraken Financial will start locally, but will soon operate globally.

The SPDI charter will aid us in expanding Kraken’s reach across the United States, and will also help the broader Kraken organization to service companies around the world.

3. Can international persons apply for bank accounts?

In its first phase of operation, Kraken Financial will only offer accounts to U.S. residents. We hope to expand globally soon.

4. How is an SPDI different from a traditional commercial bank? Is it regulated differently?

There are several different kinds of banks. A traditional community bank exists to serve its local community through safeguarding customer deposits and lending those deposits to meet the credit needs of its neighbors and small businesses.

Other kinds of banks, called “custody banks” provide services that are more focused on asset custody and providing a safe, trusted gateway for customers to conduct transactions in regulated securities and commodities markets. Custody banks are among the largest U.S. banks.

The SPDI is a custody bank in the same way, but for digital assets like virtual currency. Both custody banks and community banks, however, are still ‘banks’ under federal and state law because they conduct deposit-taking activity.

Kraken Financial, as a bank, is required by Wyoming law to maintain 100% reserves of its deposits of fiat currency at all times. If every client were to demand withdrawals of their fiat at the same moment, Kraken Financial would be able to fulfill each withdrawal immediately without regard to how many loans we had outstanding.

This is the advantage of the SPDI charter, because the FDIC generally only insures deposits up to $250,000. For this reason, deposits will not be required to be insured by the FDIC.

Kraken Financial will be regulated in largely the same manner as other U.S. banks by the Wyoming Division of Banking. The Division is currently finishing development of the first regulatory manual for banks and digital assets, building on the standards in Wyoming and federal law.

5. What products and services will you offer?

Our offerings will evolve over time, but we plan to provide clients with everything they expect from a seamless banking gateway between digital assets and national currencies.

During its first year of operations, the SPDI plans to give clients the ability to deposit USD and custody digital assets at a regulated state-chartered bank. These banking services will be seamlessly integrated into the existing exchange services, providing clients better funding infrastructure, a better experience and enhanced regulatory clarity.

Additionally, because of our position as a bridge between crypto and traditional finance, we will offer the following crypto-focused services in our first year of operations:

  • Digital asset custody
  • Demand/deposit accounts (DDAs)
  • Wire transfer and funding services.

We anticipate supporting additional services over the next few years, including:

  • Enhanced digital asset custody offerings
  • Digital asset staking
  • Trust account and administration
  • Other services for individual accounts:
    • A complete online and mobile banking suite of products
    • A debit card that clients can use to spend their crypto funds
  • Other services for corporate clients:
    • Account management services
    • Bank comfort letters
    • Deposit verifications
    • Proof of funds attestations.

Finally, we expect to be able to offer additional retail, wealth management and treasury services (and potentially other asset classes such as securities), so stay tuned!

6. Will you have branches and a physical location?

We will have a permanent physical presence in Cheyenne, Wyoming, which will house many of Kraken Financial’s key back-office teams and functions.

Kraken will operate an online and mobile-first banking model. We want to make it as easy as possible for people to access and manage their money via a single-portal client experience regardless of the time of day or where they are currently located.

Customer service and support will be available 24/7/365.

7. Will you be offering qualified custodial services for broker dealers and funds?

Kraken is developing policies and procedures to ensure that when it acts as a Qualified Custodian for investment professionals, under applicable federal and state law, it will do so in full compliance with all applicable laws and rules.

We believe the SPDI lays the groundwork for this for the first time as a state-chartered bank, instead of many trust companies which provide custody, but not discretionary fiduciary services..

8. What does this mean for Kraken exchange clients?

New and existing clients will have the opportunity to apply for our traditional financial accounts. Upon completing the onboarding procedures, they will be able to quickly and seamlessly fund their accounts on the exchange.

Moreso, for the first time, they will be able to take advantage of the seamlessness and ease of use that comes from the first all-in-one service provider that can offer and expertly manage sophisticated crypto-products.

FORWARD-LOOKING STATEMENTS, INCLUDING PRODUCT OFFERINGS, REGULATORY PLANS AND BUSINESS PLANS SUBJECT TO CHANGE WITHOUT NOTICE

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