Kraken Wins Bank Charter Approval

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.”

数据：逾1.1万枚ETH从Kraken转出:金色财经报道，据 Whale Alert 监测，北京时间 11:22，11,018 枚 ETH（约 2014 万美元）从 Kraken 转至未知钱包。[2023/4/1 13:39:15]

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：减半之后，比特币网络安全模式或需调整:Kraken业务开发总监Dan Held在最近一期播客节目中强调了与比特币安全模型相关的问题，以及交易费用在生态系统中的作用。在未来30天内，比特币将经历第三次区块奖励减半，根据Held的说法，这可能会对安全产生影响。他指出：“从长远来看，比特币的安全是最重要的，它的安全模式能否经得起攻击。其中一个核心部分是关注区块奖励，它由区块补贴和交易费用组成。我们应审查交易费是否会以有意义的方式取代区块补贴，以及是否足以确保网络的安全。”Held强调，当涉及到比特币和加密货币时，用户总是会转向更安全的区块链。（AMBCrypto）[2020/4/12]

Wyoming’sapproachtoregulationisuniqueamongprogramsanywhereintheworld,itscarefultailoringbalancingtheinterestsofdigitalassetinnovatorsandtheirclients.

Thoughmanyregulatorstalkaboutfosteringinnovation,Wyomingistheonlystatetoactuallybuildoutthisvisioninaconcrete,commerciallyviableway.

2.WherewillKrakenFinancialoperate?

KrakenFinancialwillstartlocally,butwillsoonoperateglobally.

TheSPDIcharterwillaidusinexpandingKraken’sreachacrosstheUnitedStates,andwillalsohelpthebroaderKrakenorganizationtoservicecompaniesaroundtheworld.

动态 | 法国Boursorama银行此前疑封锁涉Kraken的转账交易，现已重新开放:一名Kraken客户昨天声称，法国网上银行Boursorama拒绝了来自该交易所的转账。该客户并不愿透露姓名，但其告诉Decrypt，他在12月17日和20日两次进行银行转账。Kraken和Boursorama双方都告诉客户Boursorama阻止了转账交易，Kraken补充表示，与该行间的交易已被阻止了数周。法国媒体Capital的记者Gregory Raymond联系了Boursorama，后者声称这只一个操作失误，“Boursorama不会阻止向这些平台的转账”。 Raymond还说，Boursorama告诉他，向Kraken的转账已于1月3日（周五）重新开放。（Decrypt）[2020/1/8]

3.Caninternationalpersonsapplyforbankaccounts?

Initsfirstphaseofoperation,KrakenFinancialwillonlyofferaccountstoU.S.residents.Wehopetoexpandgloballysoon.

4.HowisanSPDIdifferentfromatraditionalcommercialbank?Isitregulateddifferently?

Thereareseveraldifferentkindsofbanks.Atraditionalcommunitybankexiststoserveitslocalcommunitythroughsafeguardingcustomerdepositsandlendingthosedepositstomeetthecreditneedsofitsneighborsandsmallbusinesses.

动态 | Kraken向其注册用户提供优先股购买机会 最低投资额为1000美元:据The Block消息，拥有1000美元的Kraken用户可能有机会成为该公司的投资者。根据Kraken发送的电子邮件，该公司开始向其用户提供优先股，开放该机会至6月20日，投资起步价为1000美元。 据Kraken称，该公司与投资平台Bnk to the Future达成伙伴关系，努力扩大获得其股权的渠道，注册的Kraken用户可以通过Bnk to the Future账户进行购买。 据悉，去年年底，Kraken曾寻求投资，当时向部分投资者提供在一轮估值40亿美元的融资中以最低10万美元购买其股票的机会。当时，它通过一个未披露的第三方来监督投资。[2019/5/21]

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

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

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

动态 | 大量USDT正涌入Kraken控制的钱包:据coindesk报道，USDT正在涌入Kraken交易所控制的钱包地址，该交易所是陷入困境USDT可转换成美元的少数几个地方之一。根据Tether Rich List的数据，该交易所的钱包余额目前已达到近4780万美元，成为持有USDT的第八大价值最高的钱包。不到两周前，10月7日Kraken的USDT钱包仅排第22位，并且持有不到目前余额的一半。[2018/10/20]

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

KrakenFinancialwillberegulatedinlargelythesamemannerasotherU.S.banksbytheWyomingDivisionofBanking.TheDivisioniscurrentlyfinishingdevelopmentofthefirstregulatorymanualforbanksanddigitalassets,buildingonthestandardsinWyomingandfederallaw.

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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