3.6 Banking FDIC发布代币化存款保险指南，确保区块链存款在受保银行获得联邦保护，提升数字金融信任与创新。
美国联邦存款保险公司（FDIC）发布了有关代币化存款保险的新指南，旨在将联邦保护扩展到迁移至区块链网络的存款。这些指南明确指出，代币化存款——即由银行持有资金的数字代币化权益——将与传统存款享有相同的法律地位和保险保障，每位存款人最高可获25万美元保险。与通常由银行体系外发行且不自动获得保险的稳定币不同，代币化存款由FDIC保险银行发行和管理，为消费者提供更高保护。新指南涵盖风险管理、网络安全、反洗钱合规以及区块链间的互操作性。FDIC此举有望增强数字金融领域的信任，推动创新，并为银行及其合作伙伴提供监管明确性。尽管在银行倒闭时保险理赔的复杂性仍引发部分担忧，FDIC表示现有规定和严格审计可有效管理这些风险。该举措获得了业内专家的广泛支持，被视为连接传统金融与加密生态系统的重要一步。
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