THE:Kraken Wins Bank Charter Approval_BetterBetting

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新任CEO预测2023年5大加密趋势：跨境支付、去中心化存储等:12月19日消息，即将接替JessePowell担任Kraken新首席执行官的Dave Ripley分享了2023年的5大加密货币趋势，包括：可用于票务系统和游戏的基础技术的NFT、像比特币闪电网络这样的跨境支付、像Filecoin这样的去中心化存储、去中心化社交媒体和加密货币的自托管业务。（Businessinsider）[2022/12/19 21:53:39]

ThisnewinstitutionwillberegulatedinlargelythesamemannerasotherU.S.banks.

Formoreinformationonourinitiative,we’veassembledafullFAQtoshareourgoalsforthefutureofKrakenFinancialbelow:

1.WhydidKrakendecidetoapplyforanSPDIcharter?

Kraken’svisionistobecometheworld’strustedbridgebetweenthecryptoeconomyofthefutureandtoday’sexistingfinancialecosystem.

AnSPDIbankcharterpermitsKrakentobuildthisbridgein-house.Withthecharterinplace,wecanoperateafullyindependentbankthatwillreduceourrelianceonthird-partyfinancialinstitutionsandevenhelplaunchanewwaveofinnovativeproductsforourusers.Abankfullydedicatedtotheinterestsofourusersis,withoutadoubt,thebestwaytodeliveronthisvision.

Kraken业务开发总监：BTC“加密货币之王”的地位愈发稳固:Kraken业务开发总监Dan Held认为，比特币的成功不能以其成为一个良好的支付系统的潜力来决定。他表示：“白皮书中使用了现金（cash）这个词，很多人选择将现金这个词推断为‘口袋里的现金’。中本聪五次提到比特币是一种贵金属，他还把比特币称为‘稳健货币’。所以，人们可以用任何他们喜欢的方式来使用它。”Held认为，随着新冠疫情爆发，比特币“加密货币之王”的地位比以往任何时候都更加安全：“比特币在2019冠状病疫情期间的定位令人惊叹。ETH生态一直试图使其与BTC同行，因为他们现在唯一剩下的叙事就是成为另一种稳健货币，就像BTC一样。如果BTC开始行动，ETH不跟着价格走，那么它将会是另一个死掉的山寨币。”（AMBCrypto）[2020/5/18]

Wyoming’sapproachtoregulationisuniqueamongprogramsanywhereintheworld,itscarefultailoringbalancingtheinterestsofdigitalassetinnovatorsandtheirclients.

Thoughmanyregulatorstalkaboutfosteringinnovation,Wyomingistheonlystatetoactuallybuildoutthisvisioninaconcrete,commerciallyviableway.

2.WherewillKrakenFinancialoperate?

KrakenFinancialwillstartlocally,butwillsoonoperateglobally.

TheSPDIcharterwillaidusinexpandingKraken’sreachacrosstheUnitedStates,andwillalsohelpthebroaderKrakenorganizationtoservicecompaniesaroundtheworld.

公告 | Kraken将于23日凌晨上线Cosmos:加密货币交易所Kraken推特称，将于北京时间23日凌晨（UTC时间22日16时）上线Cosmos (ATOM)。[2019/4/22]

3.Caninternationalpersonsapplyforbankaccounts?

Initsfirstphaseofoperation,KrakenFinancialwillonlyofferaccountstoU.S.residents.Wehopetoexpandgloballysoon.

4.HowisanSPDIdifferentfromatraditionalcommercialbank?Isitregulateddifferently?

Thereareseveraldifferentkindsofbanks.Atraditionalcommunitybankexiststoserveitslocalcommunitythroughsafeguardingcustomerdepositsandlendingthosedepositstomeetthecreditneedsofitsneighborsandsmallbusinesses.

Otherkindsofbanks,called“custodybanks”provideservicesthataremorefocusedonassetcustodyandprovidingasafe,trustedgatewayforcustomerstoconducttransactionsinregulatedsecuritiesandcommoditiesmarkets.CustodybanksareamongthelargestU.S.banks.

TheSPDIisacustodybankinthesameway,butfordigitalassetslikevirtualcurrency.Bothcustodybanksandcommunitybanks,however,arestill‘banks’underfederalandstatelawbecausetheyconductdeposit-takingactivity.

声音 | Kraken首席执行官：已掌握QuadrigaCX的数千个钱包地址，可与加拿大联邦警察合作:Kraken首席执行官Jesse Powell发推称：“我们有数千个已知属于加拿大交易所QuadrigaCX的钱包地址。我们正在调查这位交易所创始人离奇、难以置信的死亡和密钥丢失的事件。如果皇家加拿大骑警正在调查此事，可以联系我们。”[2019/2/3]

KrakenFinancial,asabank,isrequiredbyWyominglawtomaintain100%reservesofitsdepositsoffiatcurrencyatalltimes.Ifeveryclientweretodemandwithdrawalsoftheirfiatatthesamemoment,KrakenFinancialwouldbeabletofulfilleachwithdrawalimmediatelywithoutregardtohowmanyloanswehadoutstanding.

ThisistheadvantageoftheSPDIcharter,becausetheFDICgenerallyonlyinsuresdepositsupto$250,000.Forthisreason,depositswillnotberequiredtobeinsuredbytheFDIC.

KrakenFinancialwillberegulatedinlargelythesamemannerasotherU.S.banksbytheWyomingDivisionofBanking.TheDivisioniscurrentlyfinishingdevelopmentofthefirstregulatorymanualforbanksanddigitalassets,buildingonthestandardsinWyomingandfederallaw.

Kraken首席执行官：今年数字货币总市值将达1万亿美元:据CNBC报道，根据顶级数字货币交易所Kraken的首席执行官的说法，整个数字货币市场的市值今年将达到1万亿美元。[2018/2/14]

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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