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美国怀俄明州高票通过区块链银行法案

尽管遭到了银行业的强烈反对,但怀俄明州立法委员会还是几乎全票通过了一项区块链银行法案,此举进一步表明了该州对区块链技术的欢迎。

以13比1票通过该法案

怀俄明州以支持区块链技术而闻名。该州立法委员会以13票赞成、1票反对通过了一项允许银行以区块链为基础的资产提供金融服务的法案。

这一消息受到了曾供职于摩根斯坦利区块链工作组的法律专家Caitlin Long的肯定。她在Twitter上表示:

怀俄明州立法委员会不顾银行业的强烈反对,以13比1通过了区块链银行法案。祝贺并感谢我们所有的支持者!

议员们在一个专门的“区块链特别工作组”委员会上开会讨论了一些不同的法案,包括银行技术和股票修订,金融技术沙箱和特殊用途存款银行。特殊用途存款银行的工作草案名称为19LSO-0055,它概述了区块链“创新者”面临的一些挑战:

区块链技术的快速创新,包括虚拟货币和数字资产的使用,导致许多区块链创新者无法获得安全可靠的银行服务,进而阻碍了区块链服务和产品在市场上的发展。

根据新法案,将会产生一种新型的金融机构,称为“特殊用途存款银行”,将被指定为区块链创新者提供有价值的银行服务:

授权在怀俄明州特许的特殊用途存款银行,将为区块链的创新者提供必要和有价值的服务,加强怀俄明州与技术和金融行业的合作关系,并安全发展本州的金融部门。

更大的愿景

对区块链有利的银行法案对整个行业来说绝对是个好消息,Long也认为,这增加了更多此类法案通过立法的可能性,她在推特上表示:

除了在2018年颁布5项区块链友好法案,还有6项法案有望通过成为法律,因为它们现阶段属于《委员会法案》。

Long提到的法案之一是3月7日通过的功用权证法案,该法案实质上将token分类成为一个新的资产类别。

Despite serious opposition from the banking industry, the state of Wyoming has passed a blockchain bank bill almost unanimously. The move further cements the state’s welcoming approach to blockchain integration.

13-1 MAJORITY TO PASS THE BILL

The state of Wyoming has a reputation for being welcoming towards blockchain technology. This reputation was strengthened by a legislative committee, which voted 13-1 approving a bill that allows banks to provide financial services with blockchain-based assets.

The news was welcomed by Caitlin Long, a legal expert who used to serve on Morgan Stanley’s internal blockchain working group.

“Wyoming legislative committee passed blockchain bank bill 13-1 over heavy opposition from the banking industry. Congratulations and thanks to all our supporters!” she announced on Twitter.

Legislators met in a specialized “Blockchain Task Force” committee meeting and discussed a few different bills, including Banking Technology and Stock Revisions, Financial Technology Sandbox, and Special Purpose Depository Banks.

The latter, under working draft name 19LSO-0055 outlines some of the challenges, which are faced by blockchain “innovators”:

The rapid innovation of blockchain technology, including the growing use of virtual currency and digital assets, has resulted in many blockchain innovators being unable to access secure and reliable banking services, hampering development of blockchain services and products in the marketplace.

According to the new bill, there will be a new type of financial institution, called “Special Purpose Depository Bank” will be designated to provide valuable services to blockchain innovators:

Authorizing special purpose depository banks to be chartered in Wyoming will provide a necessary and valuable service to blockchain innovators, emphasize Wyoming’s partnership with the technology and financial industry and safely grow this state’s developing financial sector.

THE BIGGER PICTURE

While the blockchain-friendly bank bill is definitely good news for the industry, Long also holds that this increases the chances of more bills of the kind to become acting legislation:

“Bottom line: in addition to enacting 5 blockchain-friendly bills in 2018, 6 more bills have an elevated chance of becoming law bc they’re now “committee bills”…” – Tweeted Long.

One of the bills Long is speaking of is the Utility Token Bill which was passed on March 7th, which essentially classifies utility tokens as a new asset class.

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