加密城市 Crypto City

野村證券子公司申請美國銀行執照

隨著美國加密貨幣監管環境轉為友善，有外媒稱日本野村證券旗下數位資產子公司 Laser Digital，已決定進軍美國銀行體系。

據《金融時報》引述知情人士報導，Laser Digital 已正式向美國貨幣監理署（OCC）申請國家信託銀行執照。隨後，一名知情人士也向幣圈媒體《The Block》證實該消息。

取得執照將可全國營運，擬推加密貨幣現貨

在法規逐漸鬆綁的背景下，加密貨幣與金融科技公司正積極尋求在聯邦銀行監管框架下營運。

若成功取得國家銀行執照，Laser Digital 將獲准在美國全境營運，無須逐一申請各州的託管牌照。

知情人士透露，Laser Digital 獲得銀行執照後，不是打算吸收零售存款，而是計畫提供加密貨幣現貨交易服務。

依照慣例，OCC 通常會先核發「有條件批准」，申請機構必須滿足資本、公司治理及法規遵循等特定監管條件後，才能取得最終執照並正式展開業務。

圖源：Laser Digital 外媒稱日本野村證券旗下數位資產子公司 Laser Digital，已正式向美國貨幣監理署（OCC）申請國家信託銀行執照。

機構相繼申請執照，Sony與川普關聯企業入列

進軍美國的涉足加密貨幣日本企業，除了野村外還有日本科技巨頭 Sony 集團旗下的 Sony Bank。

早在 2025 年 10 月，Sony Bank 便透過子公司 Connectia Trust 向 OCC 申請國家銀行執照，預計發行穩定幣並提供數位資產託管。

近期，與川普家族相關的加密平台 World Liberty Financial（WLF）也提交國家銀行執照申請，加入這波尋求進入美國銀行體系的行列。

目前包括 Circle、Ripple、BitGo、Fidelity Digital Assets 及 Paxos 等多家業者，皆已獲得 OCC 的有條件批准，待完成最終要求後即可受聯邦監管運作。

相關報導：
Ripple等五家公司獲准！取得美國國家信託銀行牌照，加密資產邁入聯邦金融體系

傳統銀行業反彈，憂心監管套利風險

然而，這股加密企業申設銀行的熱潮並未獲得全面支持。美國銀行家協會（ABA）及其他產業團體早在去年 7 月就向 OCC 提出警告，認為若核發銀行執照給數位資產公司，將引發重大的政策與程序疑慮，恐破壞傳統銀行的安全機制。

此外，美國獨立社群銀行家協會（ICBA）之前也致函給 OCC，要求駁回 Sony Bank 提出的國家銀行執照申請，認為該公司並未遵守傳統銀行應有的監管義務，卻能提供數位資產託管與發行穩定幣業務。

作為主管機關的 OCC，接下來該怎麼面對傳統銀行的反彈，並考量數位資產銀行帶來的潛在創新，值得關注。

相關報導：
美國銀行抵制穩定幣利息！警告6.6兆鎂存款風險，摩根大通出面幫穩定幣說話

『跟上Sony步伐！野村證券子公司申請美國銀行執照，擬推加密貨幣現貨』這篇文章最早發佈於『加密城市』

President Trump recently called for a cap on credit card interest rates to be set at 10% for one year, which has sparked strong opposition from banking industry figures such as JPMorgan Chase, but some banks have expressed support for Trump's policy in the face of headwinds. Sources revealed that Bank of America is considering launching a new credit card with an interest rate cap of 10%.

Reports suggest that Bank of America is considering launching a credit card with a 10% interest rate cap.

A source revealed to NBC News on Thursday that Bank of America is considering whether to launch a credit card with an interest rate cap of 10%, echoing President Trump's recent call for banks to set a universal interest rate cap on credit cards at 10% for a one-year policy.

$USAT 正式亮相，美國版穩定幣走入聯邦監管架構

穩定幣龍頭 Tether 宣佈，正式推出專為美國市場設計的新穩定幣 $USAT，主打在美國聯邦層級監管架構下運作，並由美元資產全額支撐。這項產品被視為 Tether 在既有 $USDT 全球版圖之外，首度為單一國家監管體系量身打造的數位美元工具。

圖源：X/@tether 穩定幣龍頭 Tether 宣佈，正式推出專為美國市場設計的新穩定幣 $USAT

$USAT 的發行主體為 Anchorage Digital Bank，該機構為美國首家獲得聯邦特許的數位資產銀行。新幣的設計目的在於符合美國最新穩定幣法規要求，並鎖定需要合規數位美元工具的金融機構、交易平台與大型企業使用者。相較於主要在全球市場流通的 $USDT，$USAT 被定位為「在美國製造、在美國監管架構內運作」的版本。

發行與儲備架構公開，強調銀行級合規標準

根據公佈的資訊，$USAT 的儲備資產由 Cantor Fitzgerald 擔任指定保管機構與主要交易商，負責相關資產管理與透明度機制。發行銀行 Anchorage Digital Bank 則負責在合規、風險控管與鏈上透明度等層面建立銀行等級的基礎設施。

官方表示，$USAT 的設計不僅是為了「符合」監管條文，而是要在制度內長期穩定運作，讓機構能在既有金融規範之下使用區塊鏈美元。

這類說法顯示，$USAT 目標客群與傳統金融體系的連結將更加緊密，並與近年美國試圖把穩定幣納入正式金融監管軌道的方向一致。

與 $USDT 分工明確，美國市場與全球市場並行

Tether 同時強調，$USDT 仍會持續在全球市場流通，並逐步朝美國新法規方向靠攏，但 $USAT 與其屬於不同定位的產品。前者主打跨境與新興市場的廣泛流通，後者則專門服務美國本土、重視合規與監管透明度的金融環境。

Tether 近年因持有大量美國國債而備受關注。公司曾揭露，其美債持有規模已躋身全球前段班，甚至高於部分主權國家。$USAT 的推出，被外界視為 Tether 進一步強化與美國金融體系連結的動作，也讓美元在鏈上金融基礎設施中的角色更加制度化。

首波上架多家交易所，鎖定機構與大型平台使用者

在流通安排上，$USAT 上線初期將支援多家大型交易平台與支付服務商，包括 Bybit、Crypto.com、Kraken、OKX 以及 MoonPay。這顯示該穩定幣不僅面向銀行體系，也希望在主流加密交易環境中取得流動性與使用場景。

Tether 管理層指出，$USAT 的目標是為美國市場提供一種在聯邦監管之下運作的數位美元選項，強調穩定性、透明度與治理架構。隨著美國逐步建立完整穩定幣制度，市場未來可能同時存在全球流通型與本土監管型兩條美元穩定幣路線，而 $USAT 被視為後者的代表產品之一。

延伸閱讀
TOKEN2049》Tether：美國監管60天內或有重大突破，USAT瞄準5億用戶
Tether推出美國版穩定幣USAT！迎戰Circle的USDC，進軍受監管市場

『Tether推出合規穩定幣USAT！走進美國聯邦監管體系，儲備架構公開』這篇文章最早發佈於『加密城市』

After Clawdbot went viral, SlowMist warned of cybersecurity risks.

The open-source AI assistant tool Clawdbot, which has recently gone viral on platform X (formerly Twitter), has caused a stir in the tech community, but the potential cybersecurity risks have also raised concerns.

Blockchain security company SlowMist pointed out earlier today (1/27) that there are serious exposure risks with the Clawdbot gateway, and hundreds of unauthenticated instances have been found publicly visible online.

SlowMist stated that vulnerabilities in the Clawdbot gateway could lead to a massive leak of sensitive information, including Anthropic API keys, Telegram bot tokens, Slack OAuth credentials, and user private chat logs spanning several months.

The blizzard swept across the entire United States, with mining hash rate dropping by about 10% in a single day.

A large-scale winter storm spanning the southern, midwestern, and northeastern United States has recently caused severe impacts on the local power grid, which has also affected global Bitcoin mining operations. On-chain data shows that the overall Bitcoin network hash rate dropped by about 10% in a short period, equivalent to approximately 200 EH/s of computational power temporarily going offline, marking a rare real-time stress test in recent years.

Hash rate represents the computational resources required to maintain blockchain operation and transaction processing. When the hash rate suddenly drops, the block production speed will temporarily slow down until the next difficulty adjustment mechanism takes effect, affecting the network's processing capacity. During this event, the average block time increased from about 10 minutes to over 12 minutes, indicating a significant decline in the network's real-time throughput capacity.

Regulatory iron fist strikes again! The EU officially launches a DSA compliance investigation against platform X

According to (BBC) reports, the European Commission announced on January 26 that it has officially initiated legal proceedings against billionaire Elon Musk's social media platform X. The core trigger for this action is the platform's built-in artificial intelligence chatbot Grok, which is accused of generating millions of unauthorized deepfake sexual images in a very short time, some of which even involve inappropriate content related to minors.

Image source: Europa The European Commission announced that it has officially initiated legal proceedings against billionaire Elon Musk's social media platform X

Abandoning the acquisition of old cases, Revolut turns to seek a 'De Novo' independent bank license

UK-based fintech giant Revolut is officially adjusting its expansion blueprint in the US market. According to insiders, this unicorn company, valued at 75 billion, has decided to abandon its original plan to quickly enter the US market through the acquisition of local banks.

Instead, Revolut has applied to the Office of the Comptroller of the Currency (OCC) for a brand new 'De Novo' bank license, which is a national banking charter designed specifically for newly established banks. In early strategic assessments, the company considered directly acquiring a licensed local lending institution around August 2025, hoping to quickly obtain the qualifications to operate in all 50 states, thus shortening the market entry cycle.

CZ clearly stated: I will not return to Binance

After U.S. President Trump pardoned Binance co-founder Zhao Changpeng (CZ), there have been multiple rumors in the market that he would return to lead Binance. However, CZ recently stated in an interview on (CNBC) program (Squawk Box) that he has no plans to return to Binance, despite the previous restrictions being fully lifted.

CZ admitted that he pleaded guilty to anti-money laundering compliance issues in November 2023 and resigned as CEO, subsequently serving four months in prison, which forced him to leave the company he co-founded, and at that moment, it truly made him feel painful.

Recently, the Wall Street Journal praised Anthropic's Claude and its accompanying desktop tool Claude Code, describing its reasoning and programming capabilities as reaching astonishing levels. On the other hand, a community-driven open-source AI assistant Clawdbot has triggered a more concrete chain reaction: Mac minis have been sold out because too many people are buying them directly to use as AI servers.

For Taiwanese people, the most familiar affirmation is being able to build their own 24/7 AI assistant on LINE, which only takes 30 minutes.

What is Clawdbot? A simple 5-step installation guide: A must-read cybersecurity setup guide before use.

According to South Korean media reports, Cha Myung-hoon, the major shareholder and chairman of South Korea's third-largest cryptocurrency exchange Coinone, is currently evaluating the sale of a portion of his shares and is simultaneously discussing strategic investments and cooperation possibilities with several overseas exchanges and local financial institutions.

South Korea's third-largest exchange Coinone has been losing money for years, and the first and second-largest shareholders are seeking to divest.

It is reported that Cha Myung-hoon currently holds a total of 53.44% of the shares, which includes 19.14% directly held by him and 3.43% held through his personal company The One Group, while the rest are related party holdings. Discussions regarding the transfer of a portion of the shares have recently begun. Coinone has confirmed that it is indeed in talks with overseas exchanges and domestic financial institutions regarding equity investments and business cooperation, but emphasized that specific transaction structures have not yet been finalized.

Grayscale launched the Ethereum ETHE Trust Fund, providing investors with an additional channel to participate in the ETH market. However, how does investing through the trust fund compare to directly purchasing ETH for staking in terms of structure, returns, and risks? Which method is more suitable for oneself? This article compares the differences between 'directly holding ETH' and 'investing in the Grayscale Ethereum ETHE Trust Fund' from three perspectives: product design, sources of returns, and risk conditions, to assist investors in making a reference.

Image source: Grayscale

What is Grayscale ETHE? How to generate staking rewards?

According to the official announcement, the Grayscale Ethereum Trust ETF (ETHE) has been renamed to the Grayscale Ethereum Staking ETF, providing investment opportunities in Ethereum through third-party brokerage accounts (such as Robinhood, Fidelity, Interactive Broker, and other exchanges) and allocating accumulated staking rewards to investors. This fund is the first exchange-traded product for Ethereum that allocates staking rewards, and it is not registered under the Investment Company Act of 1940 (commonly referred to as the 40 Act), thus it is not subject to the same regulations and protections as ETFs and mutual funds registered under the 40 Act. Investment involves risks, including the potential loss of principal. Staking rewards are not guaranteed.

The market value of stablecoins has shrunk, and market funds are fleeing to gold.

Recently, the precious metals market has risen sharply, while the cryptocurrency market is like a stagnant pond. The blockchain analysis platform Santiment has observed clues from the data, as in the last 10 days, the total market value of stablecoins has significantly decreased by 2.24 billion dollars, which indicates that funds are gradually withdrawing from the cryptocurrency ecosystem, potentially delaying the market's recovery timeline.

Santiment pointed out that most of the outflowing funds have already shifted to traditional safe-haven assets such as gold and silver, driving precious metal prices to new highs, while Bitcoin, the overall cryptocurrency market, and the market value of stablecoins have shown a correction.

According to (Nikkei Asia) reports, Japan is expected to welcome its first cryptocurrency ETFs by 2028. The report indicates that the traditionally conservative Financial Services Agency (FSA) of Japan is planning to include cryptocurrencies in the category of investable assets for ETFs, while also implementing stricter investor protection measures.

(Nikkei Asia) points out that Japan's two major financial giants—Nomura Holdings and SBI Holdings—are expected to be the first to launch cryptocurrency ETFs on the Tokyo Stock Exchange (TSE).

This move by Japan is clearly inspired by the tremendous success of the U.S. cryptocurrency ETF market. Since its launch, the U.S. Bitcoin spot ETF has shown impressive capital attraction, with its net asset size reaching $115.8 billion, accounting for about 6.5% of Bitcoin's total market value.

Gold breaks through $5,100, aiming for $6,000

Gold prices broke above $5,100 per ounce on Monday, US time, setting a new historical high. This surge mainly reflects the structural rise in global geopolitical risks, including the escalating tensions from Greenland and Venezuela to the Middle East, further reinforcing gold's role as a safe-haven asset.

Regarding the future of gold prices, Societe Generale predicts that gold will reach $6,000 per ounce by the end of this year, emphasizing that this may only be a conservative estimate, with further potential for increases in the future; meanwhile, Morgan Stanley also stated that this surge may continue, providing a target price of $5,700 per ounce.

Transitioning from price tracking to asset utility, BlackRock officially submitted the BITP application documents

The world's largest asset management company BlackRock is once again leading the wave of financialization of digital assets. According to the latest disclosed regulatory documents, BlackRock submitted an S-1 registration statement to the U.S. Securities and Exchange Commission (SEC) on January 23, 2026, planning to launch a new investment tool called 'iShares Bitcoin Premium Income ETF' (tentatively coded as BITP). This is taking the cryptocurrency ETF market from simple price tracking to a new stage pursuing 'asset utility' and 'stable cash flow.' Since the approval of the Bitcoin spot ETF in early 2024, BlackRock's IBIT has become the market leader, with its assets under management (AUM) surpassing 70.24 billion by mid-January 2026, firmly holding the top spot in the global digital asset ETP market.

Hideo Kojima clarifies: Metal Gear Solid 2 is not about AI prophecy

(Metal Gear Solid 2: Sons of Liberty) is often regarded as a classic game predicting the AI era, but that's not the truth. Producer Hideo Kojima recently clarified on WIRED that Metal Gear Solid 2 is not about AI, but about the digital society.

During the program, a fan asked Hideo Kojima: "The idea of AI ruling society seems to be gradually becoming a reality. Metal Gear Solid 2 was seen as a work touching on this issue at the time; did you predict that this era would come?"

UBS enters the digital asset space, targeting Switzerland's top private banking clients

According to a report by Bloomberg, UBS Group AG, the world's largest wealth management institution, is planning to launch cryptocurrency trading services for some of its private banking clients. The Swiss banking giant currently manages assets totaling up to $4.7 trillion to $6.6 trillion. According to informed sources, UBS has conducted months of internal discussions regarding this proposal and is in the process of selecting external partners to establish a comprehensive trading and custody process.

From peak to exit, the old NFT platform officially enters the countdown

Once regarded as one of the representatives of the NFT wave, Nifty Gateway officially announced on Saturday (1/24) that the platform will cease operations entirely on February 23, 2026. The platform has already entered 'withdrawal only' mode, and users can no longer conduct transactions or list works, only transferring NFTs, Ether ($ETH), or dollar assets from their accounts before the deadline.

According to the official announcement, users can choose to transfer assets to their Gemini exchange accounts or withdraw directly to their bank accounts via Stripe. The platform has also displayed a shutdown notice on its homepage and has been sending emails to remind users still holding assets to complete the transfer process as soon as possible to avoid facing processing risks after the deadline.

Hardware wallet manufacturer Ledger is reported to be evaluating the possibility of an initial public offering (IPO), with the NYSE New York Stock Exchange listed as a potential listing location. If the plan goes ahead, the company's valuation could reach $4 billion, but the related timeline and arrangements are still undecided.

Could go public as early as 2026? Ledger is still in the preliminary planning stage.

According to reports from the Financial Times citing informed sources, Ledger is assessing the feasibility of an IPO on the New York Stock Exchange, which could be completed as early as late 2026. Currently, the related planning is still in the preliminary discussion stage, and the listing schedule, location, and structure may change due to market conditions or adjustments in company strategy. A final decision has not yet been made. Ledger has not publicly responded to specific details.

Showing off becomes a flaw, private recording reveals evidence of wallet control

On-chain investigator ZachXBT revealed last Friday (1/23) a major cryptocurrency fund flow event exposed due to a 'showing off mistake'. The incident was triggered by a leaked private recording from the end of 2025, which showed a threat actor claiming to be 'John' arguing with another hacker in a group chat and engaging in so-called 'band for band' asset comparison behavior. During the process, John directly shared his screen, displaying the real-time balances of multiple cryptocurrency wallets, effectively providing evidence of wallet control.