Kraken Wins Bank Charter Approval_THE

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.”

Kraken交易所將向以太坊2.0開源開發團隊捐贈25萬美元:8月24日消息，Kraken交易所宣布將向開源開發團隊捐贈250000美元，這些團隊正在努力加速正在進行的以太坊2.0技術升級。Kraken首席執行官兼聯合創始人Jesse Powell表示，“我們相信，我們有責任回饋正在構建下一代加密貨幣的開源創新者。這就是為什么我們很高興與以太坊基金會合作，以確保開發人員從越來越多樣化的利益相關者那里獲得資金。”（businesswire）[2021/8/24 22:34:27]

ThisnewinstitutionwillberegulatedinlargelythesamemannerasotherU.S.banks.

Formoreinformationonourinitiative,we’veassembledafullFAQtoshareourgoalsforthefutureofKrakenFinancialbelow:

1.WhydidKrakendecidetoapplyforanSPDIcharter?

Kraken’svisionistobecometheworld’strustedbridgebetweenthecryptoeconomyofthefutureandtoday’sexistingfinancialecosystem.

AnSPDIbankcharterpermitsKrakentobuildthisbridgein-house.Withthecharterinplace,wecanoperateafullyindependentbankthatwillreduceourrelianceonthird-partyfinancialinstitutionsandevenhelplaunchanewwaveofinnovativeproductsforourusers.Abankfullydedicatedtotheinterestsofourusersis,withoutadoubt,thebestwaytodeliveronthisvision.

加密交易所Kraken：FinCEN擬議的加密法規將對美國不利:1月7日消息，加密貨幣交易所Kraken的最新聲明指出，FinCEN擬議的加密法規對美國不利。這不僅會大大偏離現行法律，而且還會帶來財務偏見，迫使交易產生不必要的支出和資源浪費。（zycrypto）[2021/1/7 16:38:28]

Wyoming’sapproachtoregulationisuniqueamongprogramsanywhereintheworld,itscarefultailoringbalancingtheinterestsofdigitalassetinnovatorsandtheirclients.

Thoughmanyregulatorstalkaboutfosteringinnovation,Wyomingistheonlystatetoactuallybuildoutthisvisioninaconcrete,commerciallyviableway.

2.WherewillKrakenFinancialoperate?

KrakenFinancialwillstartlocally,butwillsoonoperateglobally.

TheSPDIcharterwillaidusinexpandingKraken’sreachacrosstheUnitedStates,andwillalsohelpthebroaderKrakenorganizationtoservicecompaniesaroundtheworld.

3.Caninternationalpersonsapplyforbankaccounts?

Initsfirstphaseofoperation,KrakenFinancialwillonlyofferaccountstoU.S.residents.Wehopetoexpandgloballysoon.

Coinbase今日短暫宕機，Kraken API出現問題:金色財經報道，隨著今日比特幣價格回升至略低于9000美元，Coinbase經歷了短暫的宕機。根據Coinbase的狀態頁面，該交易所的網站、移動應用程序和API網站都經歷了宕機。一些推特用戶還注意到存在連接問題。Kraken公司在周三也報告了一些與其API相關的問題，不過該公司表示，平臺已恢復正常運行。[2020/4/30]

4.HowisanSPDIdifferentfromatraditionalcommercialbank?Isitregulateddifferently?

Thereareseveraldifferentkindsofbanks.Atraditionalcommunitybankexiststoserveitslocalcommunitythroughsafeguardingcustomerdepositsandlendingthosedepositstomeetthecreditneedsofitsneighborsandsmallbusinesses.

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

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

動態 | Kraken出售股權籌集650多萬美元:據bitcoinist報道，根據Kraken發送的電子郵件，該公司開始向其用戶提供優先股，開放該機會至6月20日，投資起步價為1000美元。截至目前，Kraken已通過出售股權籌集650多萬美元。[2019/5/21]

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

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

KrakenFinancialwillberegulatedinlargelythesamemannerasotherU.S.banksbytheWyomingDivisionofBanking.TheDivisioniscurrentlyfinishingdevelopmentofthefirstregulatorymanualforbanksanddigitalassets,buildingonthestandardsinWyomingandfederallaw.

5.Whatproductsandserviceswillyouoffer?

動態 | Coinbase、Kraken或正在考慮下架BSV:據區塊律動BlockBeats消息，目前除了幣安、Shapeshift之外，Coinbase、Kraken或正在考慮下架BSV。據社交媒體“區塊鏈騙局”爆料，目前 Coinbase 已經悄悄地修改了 BSV 充值確認時間，用戶充值 BSV 到賬戶需要確認 1008 個區塊才能完成交易，大約為 7 天的時間。相比之下，BCH 只需要 12 個區塊確認就能完成交易，即 2 小時。輿論認為 Coinbase 的這一舉動是將 BSV 代幣逐出交易所。Kraken正在投票決定是否下架BSV，目前已經獲得 73% 的支持。[2019/4/16]

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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