堡垒银行获得美国货币监理署附条件批准国家信托银行牌照

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堡垒银行获得美国货币监理署附条件批准国家信托银行牌照

2026-09-20 00:12:36

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Bastion 获 OCC 初步有条件批准设立国家信托银行牌照

稳定币基础设施提供商 Bastion 宣布，美国货币监理署（OCC）已授予其初步有条件批准，允许其设立国家信托银行牌照。此举将使 Bastion 现有的持州信托业务纳入联邦监管之下——对于日益被期望像受监管的金融基础设施而非实验性软件一样运作的领域而言，这是一项重要进展。

根据 Bastion 描述的结构，拟议实体——“Bastion Platforms National Trust Company”（Bastion 平台国家信托公司）——将不像传统商业银行那样运作。该公司声明指出，其业务范围仅限于稳定币托管、钱包服务、支付基础设施以及白标发行等活动。

关键要点

Bastion 获得了 OCC 对其国家信托银行牌照的初步有条件批准，为其州级信托执照增加了联邦监督。
该牌照将由一家受联邦监管的实体持有，但该机构不得吸收存款或发放贷款。
Bastion 的计划核心在于稳定币托管、钱包服务、支付基础设施和白标发行。
自 2025 年 2 月获得纽约州信托牌照以来，该公司一直致力于实现联邦监管。

OCC 有条件批准带来的变化

根据新闻稿，OCC 的批准是有条件和初步性质的，这意味着它只是一个早期的监管步骤，而非最终运营绿灯。尽管如此，其实际意义十分明确：该牌照将使 OCC 对 Bastion 已在州级许可下开展的运营实施联邦监督。

OCC 的结构也澄清了这种“信托银行”模式旨在做什么。Bastion 表示，拟议机构将无法吸收存款或发放贷款——这使其区别于传统银行，并将重点保持在稳定币相关服务及相关金融基础设施上。

以托管为核心的稳定币基建模型

Bastion 的牌照计划与稳定币基础设施的使用场景紧密相连。如果获得批准，它将支持稳定币托管和钱包产品，提供支付基础设施，并通过单一受联邦监管的实体实现白标发行。

Bastion 将推动牌照申请视为行业成熟的回应。在公司声明中，首席执行官 Nassim Eddequiouaq 表示：“稳定币已从新兴技术转变为核心金融基础设施，这需要更高标准的信任、治理和监管严谨性。”

This view is critical for a growing number of market participants who are increasingly viewing stablecoins as settlement and payment infrastructure rather than niche tokens. For custody and issuance providers, being under the OCC umbrella may also standardize the compliance process more, simplifying customers 'assessment of the regulatory landscape-although the final details will depend on how the terms of the bank's license are implemented and supervised.

Bastion's path to federal regulation

This conditional approval did not come out of thin air. Bastion said it has been moving towards federal regulation since receiving a New York State Trust License in February 2025. By first establishing trust licenses at the state level and then seeking federal alignment, the company follows a phased approach that is similar to the practice of other regulated crypto infrastructure providers while expanding product expansion while improving compliance readiness.

Previous reports have put Bastion in the spotlight as a stablecoin infrastructure company that is steadily well-funded. In September 2025, Bastion raised $14.6 million in a round of financing led by Coinbase Ventures, which included Japanese technology giant Sony, Samsung (through its investment subsidiaries), Andreessen Horowitz and Hashed.

While financing is not a substitute for regulatory approval, it does explain why companies like Bastion are able to pursue complex license application processes. This also highlights how stablecoin infrastructure has become a priority for major investors, especially those positioned to support a regulated financial track.

更广泛的趋势：更多加密企业追求 OCC 信托牌照

Bastion 获得有条件批准之际，正值加密基础设施公司追逐 OCC 牌照的一波浪潮之中。据报道，Ripple 已获得类似牌照的有条件批准，而 Circle 和 BitGo 已获得最终批准。此外，Kraken 母公司 Payward、Zerohash 以及 Block（Jack Dorsey 的公司）等也提交了申请。

这一点之所以重要，是因为信托银行牌照路径是稳定币和数字资产基础设施提供商融入现有美国银行监管框架的一种更为具体的方式。然而，批准状态（有条件 vs. 最终）的差异，以及每家申请人计划范围的不同（例如是否涉及存款或贷款），可能导致行业内时间表和期望的不均衡。

对于关注该领域的读者来说，Bastion 的公告强调了一个现实：稳定币基础设施正越来越多地围绕监管架构构建，而不仅仅是技术。下一步的关键将是看有条件批准是否会升级为全面批准，以及监管机构如何界定特许信托银行的运营边界。

投资者、建设者和商业合作伙伴应密切关注此初步阶段之后的发展：Bastion 的申请能否满足 OCC 的最终要求，银行牌照的范围在托管、钱包、支付和发行方面如何实施，以及同一管道中的其他申请人是否获得类似的里程碑。

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