WearethrilledtoannouncethattheStateofWyominghasapprovedKraken’sapplicationtoformtheworld’sfirstSpecialPurposeDepositoryInstitution(SPDI),tentativelycalledKrakenFinancial.
HeadquarteredinCheyenne,Wyoming,KrakenFinancialisthefirstdigitalassetcompanyinU.S.historytoreceiveabankcharterrecognizedunderfederalandstatelaw,andwillbethefirstregulated,U.S.banktoprovidecomprehensivedeposit-taking,custodyandfiduciaryservicesfordigitalassets.
Frompayingbillsandreceivingsalariesincryptocurrencytoincorporatingdigitalassetsintoinvestmentandtradingportfolios,KrakenFinancialwillenableKrakenclientsintheU.S.tobankseamlesslybetweendigitalassetsandnationalcurrencies.
DavidKinitsky,CEOofKrakenFinancial,said:
“We’rethrilledtoworkinastatesoalignedwithourphilosophyandvalues.WyomingisarareandshiningexampleofhowthoughtfulregulationcandriveinnovationforFinTechcompanies.”
阿联酋银行RAKBANK与Kraken达成合作，将实现以迪拉姆计价的虚拟资产交易:7月28日消息，阿联酋银行 RAKBANK 宣布与加密货币交易所 Kraken 达成合作关系，未来不久将允许阿联酋用户用其本地银行账户以迪拉姆计价来交易虚拟资产。
RAKBANK 将使 Kraken 能够让其阿联酋客户通过阿联酋任何银行的本地资金转账为其加密账户充值。[2022/7/28 2:43:42]
ThisnewinstitutionwillberegulatedinlargelythesamemannerasotherU.S.banks.
Formoreinformationonourinitiative,we’veassembledafullFAQtoshareourgoalsforthefutureofKrakenFinancialbelow:
1.WhydidKrakendecidetoapplyforanSPDIcharter?
Kraken’svisionistobecometheworld’strustedbridgebetweenthecryptoeconomyofthefutureandtoday’sexistingfinancialecosystem.
AnSPDIbankcharterpermitsKrakentobuildthisbridgein-house.Withthecharterinplace,wecanoperateafullyindependentbankthatwillreduceourrelianceonthird-partyfinancialinstitutionsandevenhelplaunchanewwaveofinnovativeproductsforourusers.Abankfullydedicatedtotheinterestsofourusersis,withoutadoubt,thebestwaytodeliveronthisvision.
Kraken CEO：鉴于Coinbase的表现，公司将重新考虑IPO计划:在Coinbase股票自4月14日推出以来表现不佳之后，Kraken联合创始人兼CEO Jesse Powell正在重新考虑Kraken原定于2022年底上市的计划。Jesse Powell在今日接受采访时表示，鉴于 Coinbase 低迷的表现，该公司现在正在更“认真地”考虑IPO，因为公司希望避免直接上市可能带来的问题。Powell表示：“我们将在明年下半年看看市场的情况，然后再决定采用哪种方式进行公开上市。”（Cointelegraph）[2021/6/11 23:29:57]
Wyoming’sapproachtoregulationisuniqueamongprogramsanywhereintheworld,itscarefultailoringbalancingtheinterestsofdigitalassetinnovatorsandtheirclients.
Thoughmanyregulatorstalkaboutfosteringinnovation,Wyomingistheonlystatetoactuallybuildoutthisvisioninaconcrete,commerciallyviableway.
2.WherewillKrakenFinancialoperate?
KrakenFinancialwillstartlocally,butwillsoonoperateglobally.
TheSPDIcharterwillaidusinexpandingKraken’sreachacrosstheUnitedStates,andwillalsohelpthebroaderKrakenorganizationtoservicecompaniesaroundtheworld.
Kraken为美国用户新增MDV银行电汇业务:加密货币交易所Kraken周二表示，用户现在可以从他们在MDV银行的账户进行银行电汇，以购买美元加密货币。最低存取款限制已设置为 20美元，最大限制取决于用户在Kraken的帐户级别。[2020/7/8]
3.Caninternationalpersonsapplyforbankaccounts?
Initsfirstphaseofoperation,KrakenFinancialwillonlyofferaccountstoU.S.residents.Wehopetoexpandgloballysoon.
4.HowisanSPDIdifferentfromatraditionalcommercialbank?Isitregulateddifferently?
Thereareseveraldifferentkindsofbanks.Atraditionalcommunitybankexiststoserveitslocalcommunitythroughsafeguardingcustomerdepositsandlendingthosedepositstomeetthecreditneedsofitsneighborsandsmallbusinesses.
Otherkindsofbanks,called“custodybanks”provideservicesthataremorefocusedonassetcustodyandprovidingasafe,trustedgatewayforcustomerstoconducttransactionsinregulatedsecuritiesandcommoditiesmarkets.CustodybanksareamongthelargestU.S.banks.
动态 | 加密交易所Kraken疑现交易异常，短时价差高达4000美元:据推特用户@ArminVanBitcoin在推特上截图发文称，Kraken刚刚发生了什么。根据截图显示，BTC价格最高达到12000美元，最低到8000美元，而现价为10310.9美元。[2019/9/14]
TheSPDIisacustodybankinthesameway,butfordigitalassetslikevirtualcurrency.Bothcustodybanksandcommunitybanks,however,arestill‘banks’underfederalandstatelawbecausetheyconductdeposit-takingactivity.
KrakenFinancial,asabank,isrequiredbyWyominglawtomaintain100%reservesofitsdepositsoffiatcurrencyatalltimes.Ifeveryclientweretodemandwithdrawalsoftheirfiatatthesamemoment,KrakenFinancialwouldbeabletofulfilleachwithdrawalimmediatelywithoutregardtohowmanyloanswehadoutstanding.
ThisistheadvantageoftheSPDIcharter,becausetheFDICgenerallyonlyinsuresdepositsupto$250,000.Forthisreason,depositswillnotberequiredtobeinsuredbytheFDIC.
KrakenFinancialwillberegulatedinlargelythesamemannerasotherU.S.banksbytheWyomingDivisionofBanking.TheDivisioniscurrentlyfinishingdevelopmentofthefirstregulatorymanualforbanksanddigitalassets,buildingonthestandardsinWyomingandfederallaw.
声音 | Kraken首席执行官：纽约总检察长新报告提供大量竞争对手信息:据ccn报道，Kraken首席执行官Jesse Powell虽然不喜欢纽约州加密监管机构对待他的方式，但却认为他们的研究还是有些优点。Powell今天发推文称，纽约总检察长办公室最近发布的报告为他提供了竞争对手的信息，为他的产品团队节省了大量时间。Powell还感谢纽约纳税人为这项研究提供资金。据早先报道，该报告研究了包括Kraken在内的13个交易所，于5月初完成。[2018/9/21]
5.Whatproductsandserviceswillyouoffer?
Ourofferingswillevolveovertime,butweplantoprovideclientswitheverythingtheyexpectfromaseamlessbankinggatewaybetweendigitalassetsandnationalcurrencies.
Duringitsfirstyearofoperations,theSPDIplanstogiveclientstheabilitytodepositUSDandcustodydigitalassetsataregulatedstate-charteredbank.Thesebankingserviceswillbeseamlesslyintegratedintotheexistingexchangeservices,providingclientsbetterfundinginfrastructure,abetterexperienceandenhancedregulatoryclarity.
Additionally,becauseofourpositionasabridgebetweencryptoandtraditionalfinance,wewillofferthefollowingcrypto-focusedservicesinourfirstyearofoperations:
DigitalassetcustodyDemand/depositaccounts(DDAs)Wiretransferandfundingservices.Weanticipatesupportingadditionalservicesoverthenextfewyears,including:
EnhanceddigitalassetcustodyofferingsDigitalassetstakingTrustaccountandadministrationOtherservicesforindividualaccounts:AcompleteonlineandmobilebankingsuiteofproductsAdebitcardthatclientscanusetospendtheircryptofundsOtherservicesforcorporateclients:AccountmanagementservicesBankcomfortlettersDepositverificationsProofoffundsattestations.Finally,weexpecttobeabletoofferadditionalretail,wealthmanagementandtreasuryservices(andpotentiallyotherassetclassessuchassecurities),sostaytuned!
6.Willyouhavebranchesandaphysicallocation?
WewillhaveapermanentphysicalpresenceinCheyenne,Wyoming,whichwillhousemanyofKrakenFinancial’skeyback-officeteamsandfunctions.
Krakenwilloperateanonlineandmobile-firstbankingmodel.Wewanttomakeitaseasyaspossibleforpeopletoaccessandmanagetheirmoneyviaasingle-portalclientexperienceregardlessofthetimeofdayorwheretheyarecurrentlylocated.
Customerserviceandsupportwillbeavailable24/7/365.
7.Willyoubeofferingqualifiedcustodialservicesforbrokerdealersandfunds?
KrakenisdevelopingpoliciesandprocedurestoensurethatwhenitactsasaQualifiedCustodianforinvestmentprofessionals,underapplicablefederalandstatelaw,itwilldosoinfullcompliancewithallapplicablelawsandrules.
WebelievetheSPDIlaysthegroundworkforthisforthefirsttimeasastate-charteredbank,insteadofmanytrustcompanieswhichprovidecustody,butnotdiscretionaryfiduciaryservices..
8.WhatdoesthismeanforKrakenexchangeclients?
Newandexistingclientswillhavetheopportunitytoapplyforourtraditionalfinancialaccounts.Uponcompletingtheonboardingprocedures,theywillbeabletoquicklyandseamlesslyfundtheiraccountsontheexchange.
Moreso,forthefirsttime,theywillbeabletotakeadvantageoftheseamlessnessandeaseofusethatcomesfromthefirstall-in-oneserviceproviderthatcanofferandexpertlymanagesophisticatedcrypto-products.
FORWARD-LOOKINGSTATEMENTS,INCLUDINGPRODUCTOFFERINGS,REGULATORYPLANSANDBUSINESSPLANSSUBJECTTOCHANGEWITHOUTNOTICE
郑重声明： 本文版权归原作者所有， 转载文章仅为传播更多信息之目的， 如作者信息标记有误， 请第一时间联系我们修改或删除， 多谢。