{
  "slug": "2026-11-10-occ-grants-coinbase-national-trust-company-a-full-federal-charter",
  "title": "OCC 授予 Coinbase National Trust Company 完整联邦信托牌照",
  "date": "2026-11-11T03:00:48.000Z",
  "updated": "2026-11-11T03:00:48.488Z",
  "tags": [
    "市场"
  ],
  "source": "https://www.coindesk.com/policy/2026/11/09/coinbase-gets-full-u-s-trust-charter-from-federal-banking-regulator",
  "summary": "美国货币监理署于 2026 年 11 月 6 日给予最终批准，将 Coinbase 于 2026 年 4 月获得的附条件牌照升级为完整牌照。",
  "kind": "article",
  "body": "# OCC 授予 Coinbase National Trust Company 完整联邦信托牌照\n\n*美国货币监理署于 2026 年 11 月 6 日给予最终批准，将 Coinbase 于 2026 年 4 月获得的附条件牌照升级为完整牌照。*\n\n美国货币监理署（OCC）于 2026 年 11 月 6 日给予 Coinbase National Trust Company 最终批准，这是一家持有联邦牌照的信托银行，将承载 Coinbase 的机构托管业务。据 [CoinDesk 报道](https://www.coindesk.com/policy/2026/11/09/coinbase-gets-full-u-s-trust-charter-from-federal-banking-regulator)，Coinbase 于 2026 年 11 月 9 日宣布获得完整牌照。\n\n此次批准将 Coinbase 于 2026 年 4 月获得的附条件牌照升级为完整牌照。据 [Ledger Insights 报道](https://www.ledgerinsights.com/occ-grants-coinbase-a-national-trust-bank-though-with-narrow-scope/)，Coinbase 计划在三年内将全部托管业务从纽约州牌照的信托公司 Coinbase Custody Trust Company 转移至这家新的联邦实体。\n\n该牌照允许这家银行以受托人身份提供数字资产托管，主要面向机构客户，并可转移托管的法币和数字资产。这并不使 Coinbase 成为全服务银行。该信托公司不能吸收存款或发放贷款。据 Ledger Insights 报道，质押、主经纪交易和主经纪融资业务仍留在 Coinbase 的其他公司。该银行担任介绍人，将托管客户对接至这些关联公司。\n\n“我们多年来一直要求明确的规则和严格的监管，”Coinbase 副董事长 Ryan VanGrack 表示。\n\nCoinbase 并非首家获得 OCC 完整信托牌照的加密公司。据 CoinDesk 报道，Ripple 于 2026 年 10 月获得该牌照，另有数家加密公司持有附条件牌照。\n\n这些批准已引发法律挑战。美国独立社区银行家协会（Independent Community Bankers of America）于 10 月起诉 OCC，认为监管机构向加密公司授予信托牌照超越了其权限。",
  "sources": [
    "https://www.coindesk.com/policy/2026/11/09/coinbase-gets-full-u-s-trust-charter-from-federal-banking-regulator",
    "https://www.ledgerinsights.com/occ-grants-coinbase-a-national-trust-bank-though-with-narrow-scope/"
  ],
  "wordCount": 491,
  "readingTime": 2,
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  "translations": [
    {
      "lang": "en",
      "url": "https://agenticfinance.news/a/2026-11-10-occ-grants-coinbase-national-trust-company-a-full-federal-charter",
      "name": "Agentic Finance"
    },
    {
      "lang": "ja",
      "url": "https://agentkeizai.today/a/2026-11-10-occ-grants-coinbase-national-trust-company-a-full-federal-charter",
      "name": "エージェント経済"
    },
    {
      "lang": "ko",
      "url": "https://agentpost.today/a/2026-11-10-occ-grants-coinbase-national-trust-company-a-full-federal-charter",
      "name": "에이전트포스트"
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}