美联储考虑推出"精简版"支付账户，为金融科技和加密货币公司开放渠道

Core Insights - The Federal Reserve is considering a new type of payment account aimed at facilitating access to its payment system for small companies, marking a potential end to the banking access challenges faced by the cryptocurrency industry [2][4] - The proposed "payment account" would grant fintech companies full access to Federal Reserve payment services, which are currently only available to large banks and financial institutions [2] - This initiative reflects an increasing effort to integrate fintech and cryptocurrency payment companies into the traditional financial system [4] Group 1 - The "payment account" will be available to all legally eligible entities currently conducting payment services through third-party banks [2] - Federal Reserve Governor Christopher J. Waller emphasized the need for more support for those actively changing the payment system [2] - The streamlined main account is designed to provide access to Federal Reserve payment channels while managing various risks associated with the payment system [2] Group 2 - The idea is still in the experimental stage but is seen as a positive development for the cryptocurrency industry, which has faced significant banking service rejections [4] - During the Biden administration, at least 30 tech and cryptocurrency founders were denied banking services, leading to claims of an organized effort termed "Operation Choke Point 2.0" [4] - Criticism has emerged regarding the Federal Reserve's previous stance on denying access to pure payment banks, with industry leaders expressing gratitude for the reconsideration of these access rules [5] Group 3 - The Federal Reserve has been actively experimenting with blockchain technology for payment applications even before the announcement of the "streamlined" main account [5] - Waller noted that the central bank is exploring the applications of blockchain and AI in payment-related use cases [5] - The aim is to understand ongoing innovations in the payment system and assess whether these technologies can enhance the Federal Reserve's payment infrastructure [5]