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P2P支付平台Circle开始申请银行执照

P2P支付平台Circle正在向美国货币监理署(OCC)申请联邦银行执照,并在美国证券交易委员会(SEC)注册为经纪商和交易场所。

这家获得高盛集团投资的公司的COO Robert Bench告诉彭博社说,获得银行执照将减少平台需要与之合作的监管机构的数量。

彭博社报道称,在申请银行牌照之前,Circle很可能主要关注美国证券交易委员会(SEC)的监管,并指出,在SEC注册将允许该平台出售被视为证券的代币。

Circle CEO指出,Circle已经将一些代币从数字代币平台Poloniex上退市,Circle于今年2月底以4000万美元的价格收购该平台。如果他们继续与美国证券交易委员会合作,他们可能会下市更多的代币。

Circle还与OCC就获得联邦银行执照进行了初步谈判。Allaire还表示,如果能在美联储持有储备,并通过其网络与银行直接结算,就可以“提高我们提供的服务的效率,从而降低成本”。

据报道,Cypto钱包和Coinbase交易所今年早些时候也曾与OCC谈过获得联邦银行执照的事宜。彭博社今天证实,Coinbase的人员在今年1月会见了OCC的首席创新官,但Coinbase发言人拒绝对此事置评。

Peer-to-peer payments platform Circle Internet Financial Ltd., is pursuing both a federal banking license with the Office of the Comptroller of the Currency (OCC) and registration as a brokerage and trading venue with the US Securities and Exchange Commission (SEC). The news comes from a Bloomberg report today, June 6.

Robert Bench, COO of Circle -- which was partly funded in an investment round by Goldman Sachs -- told Bloomberg that obtaining a banking license would cut down on the amount of regulators the platform needed to work with.

Bloomberg reports that Circle will mostly likely focus on SEC regulation before seeking the banking license, noting that registration with the SEC will allow the platform to sell tokens that are considered securities.

Jeremy Allaire, Circle CEO, noted that Circle has already been delisting tokens that don’t confirm with SEC guidance from digital token platform Poloniex -- which they acquired for $400 mln at the end of February -- and could remove more if they move forward with the SEC:

Bloomberg reports that Circle has also had preliminary talks with the OCC about obtaining a federal banking license. Allaire also told Bloomberg that Circle being able to hold reserves with the Federal Reserve and directly settle with banks through their networks could “improve the efficiency of what we deliver, it can reduce the costs.”

Crypto wallet and exchange Coinbase had reportedly also spoken to the OCC about obtaining a federal banking license earlier this year. Bloomberg confirms today that Coinbase officials met with the OCC’s chief innovation officer in January, but a Coinbase spokesperson declined to comment.


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