Ngân hàng Mỹ phản đối việc OCC chấp thuận giấy phép ủy thác cho các công ty tiền điện tử: Liên quan đến tiêu chuẩn kép và ổn định thị trường

【币界】American banking industry is initiating a new challenge against the Office of the Comptroller of the Currency (OCC). What is the core issue? OCC has conditionally approved five cryptocurrency companies, including Ripple and Fidelity, to obtain national trust charters.

The American Bankers Association and the Independent Community Bankers of America consider this a major problem. The reasoning is straightforward: double standards. These approved crypto companies can gain federal priority but do not need FDIC insurance coverage nor are they required to adhere to traditional bank capital adequacy standards.

As a result, consumers may become confused—unable to distinguish who is truly protected and who is just posing as trustworthy to fish in troubled waters. Even more dangerously, the stability of the market could face hidden risks. Once there is any turbulence, the entire system could be affected.