La branche américaine de l'échange cryptographique dirigé par Changpeng Zhao, Binance US, n'a pas été en mesure de conclure des accords de partenariat bancaire avec les banques du pays. 

Binance US incapable de sécuriser des partenariats bancaires : WSJ

  • La branche américaine de l'échange cryptographique dirigé par Changpeng Zhao, Binance US, n'a pas été en mesure de conclure des accords de partenariat bancaire avec les banques du pays. 
  • Les récents échecs de la Silicon Valley Bank (SVB) et de la Signature Bank ont laissé la première bourse américaine sans partenaire. 
  • The crypto exchange is holding clients funds via financial technology firm Prime Trust, which is storing clients’ funds via its banking partners. 
  • The exchange recently stated that it was “transitioning to new banking and payment service providers over the next several weeks.”

Binance, the world’s biggest crypto exchange by spot trading volume, has become a concern for many regulators following the demise of Sam Bankman-Fried’s FTX in 2022. The US arm of the Changpeng Zhao-led crypto exchange has been unable to secure banking partnership deals, and it seems that the crypto exchange is losing credibility in the region due to regulatory troubles. The crypto exchange is unable to find a partner to serve as a fiat on-ramp and off-ramp for its clients in the United States. 

Selon un rapport du Wall Street Journal du 8 avril, les récents échecs de la Silicon Valley Bank (SVB) et de la Signature Bank ont laissé Binance US sans partenaire. Il est crucial de noter que les deux banques étaient connues pour soutenir les entreprises de cryptographie et avaient des fonds déposés auprès de diverses institutions axées sur la cryptographie. 

Citing people familiar with the matter, Binance US is currently dependent on the middleman’s banks to store funds on its behalf. One of the factors contributing to this situation is the Securities and Exchange Commission’s (SEC) and state regulators’ behavior towards banks with crypto clients. 

Barney Frank, a member of the Signature Bank board and a former Congressman known for co-authoring the Dodd-Frank Act following the 2008 market collapse to prevent a global crisis, recently told an interviewer that the bank had a “solid loan book,” and if the regulators had allowed the financial institution to open, they “could’ve continued.’ Frank believes that the regulators closed the bank to prove that “crypto is toxic.” 

“They closed us even though there was no good, compelling reason to do that because they wanted to show that banks shouldn’t be involved in crypto,” said Frank.

Un autre événement important à mentionner ici est que la Commodity Futures Trading Commission (CFTC) des États-Unis sued Binance Holdings and its CEO Changpeng “CZ” Zhao pour de prétendues infractions commerciales. Le régulateur a déclaré que Binance opérait illégalement aux États-Unis et enquête pour savoir si Binance a aidé les utilisateurs américains à accéder à des titres non enregistrés.

It is a fact that the US arm of the Binance crypto exchange needs a banking partner to hold clients’ funds directly so that these funds can be used for transactions. However, banks are hesitant to do so. The crypto exchange has been the focus of a CFTC investigation since 2021. The crypto firm’s attempts to make partnership deals with banks such as Cross River Bank and Customers Bancorp, have failed.

La branche américaine de Binance a déclaré que ses services avaient été affectés par l'absence de partenariat bancaire direct et, par conséquent, elle a dit that it “was transitioning to new banking and payment service providers over the next several weeks.” The exchange stated that some USD deposit services would be temporarily impacted during the transition.

“We work with multiple US-based banking and payment providers and continue to onboard new partners while upgrading our internal systems to create a more stable fiat platform and offer additional services,” a spokesman for Binance.US told the WSJ.

It is also crucial to note that, as of now, Binance US is holding client funds via financial technology firm Prime Trust. A spokesperson from Prime Trust revealed that all the funds are stored through the firm’s banking partners. 

Parthe Dubey
Parthe Dubey Auteur vérifié

Un journaliste crypto avec plus de 3 ans d'expérience dans DeFi, NFT, métaverse, etc. Parth a travaillé avec les principaux médias du monde de la crypto et de la finance et a acquis de l'expérience et de l'expertise dans la culture crypto après avoir survécu aux marchés baissiers et haussiers au fil des ans.

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