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.”
Kraken联合创始人：即将到来的比特币减半可能会引发下一个牛市的开始:金色财经报道，加密货币交易所Kraken联合创始人兼前首席执行官Jesse Powell在Bankless播客中预测，即将到来的比特币减半可能会引发下一个牛市的开始。?Powell表示，从这个行业损失 100 亿美元的资本只是一个巨大的打击。如果把它偷走，那本可以成为伟大的东西并推动这个行业向前发展。所以这需要一些时间才能从中恢复过来，FTX 的后果给许多零售用户和机构造成了数十亿美元的损失，使加密行业的声誉需要修复，这最终需要一些时间。不过，他表示，下一次比特币减半预计将在 2024 年上半年发生，这可能是市场的下一个看涨催化剂。?[2022/11/22 7:53:32]
ThisnewinstitutionwillberegulatedinlargelythesamemannerasotherU.S.banks.
Formoreinformationonourinitiative,we’veassembledafullFAQtoshareourgoalsforthefutureofKrakenFinancialbelow:
1.WhydidKrakendecidetoapplyforanSPDIcharter?
Kraken’svisionistobecometheworld’strustedbridgebetweenthecryptoeconomyofthefutureandtoday’sexistingfinancialecosystem.
AnSPDIbankcharterpermitsKrakentobuildthisbridgein-house.Withthecharterinplace,wecanoperateafullyindependentbankthatwillreduceourrelianceonthird-partyfinancialinstitutionsandevenhelplaunchanewwaveofinnovativeproductsforourusers.Abankfullydedicatedtotheinterestsofourusersis,withoutadoubt,thebestwaytodeliveronthisvision.
加密货币交易所Kraken发文庆祝公司成立十周年:加密货币交易所Kraken发文庆祝公司成立十周年，同时表示公司目前有将近2000名员工。Kraken表示，公司成立于2011年，当时全球最大的加密货币交易所Mt.Gox被黑，所以Kraken的联合创始人JessePowell伸出援手，也同时意识到了有必要建立一个安全的购买比特币的渠道，所以开始建立Kraken。上个月，JessePowell曾表示Kraken可能会在12至18月内上市，估值或将超过100亿美元。[2021/7/29 1:22:13]
Wyoming’sapproachtoregulationisuniqueamongprogramsanywhereintheworld,itscarefultailoringbalancingtheinterestsofdigitalassetinnovatorsandtheirclients.
Thoughmanyregulatorstalkaboutfosteringinnovation,Wyomingistheonlystatetoactuallybuildoutthisvisioninaconcrete,commerciallyviableway.
2.WherewillKrakenFinancialoperate?
KrakenFinancialwillstartlocally,butwillsoonoperateglobally.
TheSPDIcharterwillaidusinexpandingKraken’sreachacrosstheUnitedStates,andwillalsohelpthebroaderKrakenorganizationtoservicecompaniesaroundtheworld.
3.Caninternationalpersonsapplyforbankaccounts?
Kraken和Gemini将在爱尔兰建立欧洲分支机构:据爱尔兰媒体报道，美国加密货币交易所Kraken和Gemini将在爱尔兰建立欧洲分支机构。Kraken目前正在爱尔兰首都都柏林组建一个团队来支持其欧洲业务。Gemini已向爱尔兰中央银行申请了电子货币许可证，除了在爱尔兰开展业务，还希望借此进入欧盟市场。（Bitcoin.com）[2021/7/26 1:15:26]
Initsfirstphaseofoperation,KrakenFinancialwillonlyofferaccountstoU.S.residents.Wehopetoexpandgloballysoon.
4.HowisanSPDIdifferentfromatraditionalcommercialbank?Isitregulateddifferently?
Thereareseveraldifferentkindsofbanks.Atraditionalcommunitybankexiststoserveitslocalcommunitythroughsafeguardingcustomerdepositsandlendingthosedepositstomeetthecreditneedsofitsneighborsandsmallbusinesses.
Otherkindsofbanks,called“custodybanks”provideservicesthataremorefocusedonassetcustodyandprovidingasafe,trustedgatewayforcustomerstoconducttransactionsinregulatedsecuritiesandcommoditiesmarkets.CustodybanksareamongthelargestU.S.banks.
Kraken业务开发总监：比特币将打破常规进入超级周期:Kraken业务开发总监Dan Held在推特表示，为什么比特币可能会经历一个“超级周期”？这次不一样，新冠肺炎、黄金2.0、机构群体、易用性已经进入了一个新阶段。比特币将打破常规，进入“超级周期”，而不是正常的牛市/熊市周期。[2020/12/27 16:38:10]
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.
Kraken业务开发总监：PoW将电能转化为数字黄金:Kraken业务负责人Dan Held在推特表示，“ PoW是关于物理的，而不是代码。比特币是一种超级商品，是从能源中提取的，而能源是宇宙的基本商品。PoW将电能转化为数字黄金。”[2020/7/7]
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
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