Die Aufsichtsbehörden geben eine gemeinsame Erklärung zu den mit Krypto verbundenen Risiken heraus

• Die Fed, die Federal Deposit Insurance Corp. (FDIC) und das Office of the Comptroller of the Currency (OCC) gaben eine gemeinsame Erklärung ab.
• Die Aufsichtsbehörden gaben an, dass sie prüfen, wie kryptobezogene Aktivitäten durchgeführt werden könnten, ohne Risiken für die Kunden einzugehen. 
• The agencies stated that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.”
• The agencies plan to take a “careful and cautious approach” related to the presence of crypto in banking sector.

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Krypto-Assets sind extrem volatil und bergen daher ein enormes Risiko. Daher arbeiten Aufsichtsbehörden auf der ganzen Welt an Möglichkeiten, wie traditionelle Finanzen diese Blockchain-basierten Vermögenswerte übernehmen können, ohne ihre finanzielle Gesundheit zu riskieren. Infolgedessen gaben die Federal Reserve, die Federal Deposit Insurance Corp. (FDIC) und das Office of the Comptroller of the Currency (OCC) eine gemeinsame Erklärung zu Kryptowährungen heraus. 

Laut der gemeinsamen Erklärung ausgegeben Am 3. Januar 2023 stellten die Aufsichtsbehörden fest, dass Banken zwar nicht daran gehindert oder davon abgehalten werden, Kunden einer bestimmten Klasse oder Art Bankdienstleistungen anzubieten, die Behörden jedoch derzeit prüfen, wie kryptobezogene Aktivitäten durchgeführt werden könnten, ohne Risiken für die Kunden darzustellen. 

“The agencies are continuing to assess whether or how current and proposed crypto-asset-related activities by banking organizations can be conducted in a manner that adequately addresses safety and soundness, consumer protection, legal permissibility, and compliance with applicable laws and regulations, including anti-money laundering and illicit finance statutes and rules,” read the joint statement from the regulators. 

The regulators also noted that there are significant risks which have come to light following the recent failures of several “large crypto-asset companies.” As a result, the agencies plan to take a “careful and cautious approach related to current or proposed crypto-asset-related activities and exposures at each banking organization.” 

2022 has been deemed as one of the worst years for the crypto space and the regulators noted multiple fraud and scams, legal uncertainties, inaccurate or misleading representations or disclosures, volatility and contagion risk flooding the market causing significant damages to investors’ portfolios. The joint statement from the agencies stated that “it is important that risks related to the crypto-asset sector that cannot be mitigated or controlled do not migrate to the banking system.”

The regulators believe that prior to engaging in crypto-related activities and providing similar services, banks should ensure “risk management, including board oversight, policies, procedures, risk assessments, controls, gates and guardrails, and monitoring, to effectively identify and manage risks.” 

“Banking organizations should ensure that crypto-asset-related activities can be performed in a safe and sound manner, are legally permissible, and comply with applicable laws and regulations, including those designed to protect consumers (such as fair lending laws and prohibitions against unfair, deceptive, or abusive acts or practices),” the statement said.

As reported earlier by Bitnation, the research arm of the United States’ Federal Reserve recently veröffentlichte zwei Berichte über die Risiken associated with the world of decentralized finance, or DeFi and compared to centralized finance, or CeFi. The papers noted that “centralized cryptoentities that act as counterparties to retail users in the digital asset ecosystem are generally not subject to capital, liquidity, or comprehensive disclosure requirements.”

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