Often touted as the opposite of money and banks, crypto-assets and their ecosystem may gradually be coming to terms with the idea that their success will also depend on their issuers’ readiness to adhere to conventional financial practices, on their acceptance of the preponderant role that banks have to play in the financial system, and on their ability to access basic banking services. Some within the banking community are starting to reciprocate the attention, by positioning themselves so as to serve the needs of crypto assets and their ecosystem, as a promising source of revenue at a challenging time for bank profitability. No less important for the emergence of crypto-friendly banks than the risk appetite of existing or new banking service providers is the regulators’, supervisors’ and policy makers’ stance vis-à-vis crypto-friendly banking. This paper explores the relationship of dependency between crypto and banks, how some banks around the world are facing up to the challenge of serving crypto-assets and their holders, and how policy makers, regulators and supervisors in Europe and elsewhere may want to position themselves vis-à-vis the incipient phenomenon of crypto-friendly banking.

中文翻译：

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避开银行还是依赖银行？加密市场和加密友好银行的兴起

通常被吹捧为货币和银行的对立面，加密资产及其生态系统可能会逐渐接受这样一种观点，即它们的成功还取决于发行人是否准备好遵守传统的金融实践，以及他们对主导角色的接受银行必须在金融体系中发挥作用，以及它们获得基本银行服务的能力。银行界的一些人开始回报关注，将自己定位为满足加密资产及其生态系统的需求，作为在银行盈利能力充满挑战的时期成为有前途的收入来源。对于加密友好银行的出现而言，与现有或新银行服务提供商的风险偏好一样重要的是监管机构、监管者和政策制定者对加密友好银行的立场。