2月24日消息，美国央行美联储已正式推进终止加密行业“去银行化”的监管提案，并就相关银行监管规则开启为期60天的公众评议期。这一举措被视为美国金融监管政策转向的重要信号，加密行业普遍认为其有望削弱长期困扰数字资产企业的银行服务限制问题。
根据官方说明，此次拟议规则旨在从监管框架中移除“声誉风险”作为银行审查客户的核心依据，转而聚焦“重大财务风险”。监管层此前已指示银行监管机构不得仅以声誉担忧为由要求金融机构关闭客户账户，这意味着合法从事加密业务的企业在银行开户与资金服务方面或将获得更明确的制度保障。
副主席Michelle Bowman指出，监管机构过去曾因客户的政治立场、宗教信仰或从事不受欢迎但合法的行业而施压金融机构取消服务，引发广泛争议。加密社区将相关现象称为“扼喉行动2.0”，认为其限制了数字资产公司接入传统金融体系的能力。
政策层面上，特朗普政府此前已推动调查加密行业被“取消银行服务”的指控，并通过行政措施要求监管机构审查相关做法。参议员Cynthia Lummis在社交平台公开支持美联储的最新提案，称监管机构不应以主观标准决定数字资产企业的银行准入权，并强调删除“声誉风险”是终结加密去银行化的关键步骤。
此外，Galaxy Digital研究主管Alex Thorn亦表示，该政策调整可能标志着美国加密监管环境趋于理性。随着银行合规标准逐步清晰，加密企业银行开户政策、数字资产合规监管框架以及加密金融服务可获得性，预计将成为2026年美国加密监管与机构入场的重要观察焦点。
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