Kraken parent Payward explores becoming a full-service bank outside the United States
- Payward, the parent company of Kraken, is exploring a move from crypto trading into a broader full-service banking model outside the United States.
- Co-CEO Dave Ripley said the company is focusing on three main areas: trading, banking, and asset management.
- The banking services under consideration include payments, lending, yield, and custody, and the company said it already has these four capabilities.
- Kraken Financial, owned by Payward, has obtained a Wyoming special purpose depository institution charter and a streamlined Federal Reserve master account.
- Ripley said a formal banking license would let the company offer more financial products to more users, and Chief Commercial Officer Mark Greenberg said mortgage loans could be offered in the future.
According to The Block, Payward, the parent company of Kraken, is exploring whether it can operate as a full-service bank outside the United States. The effort would extend the company beyond crypto trading into asset management and broader financial services.
Co-CEO Dave Ripley said at the Wyoming Blockchain Symposium that Kraken is focusing on trading, banking, and asset management. He said the banking side would include payments, lending, yield, and custody, and that the company already has those capabilities.
Payward-owned Kraken Financial has already secured a Wyoming special purpose depository institution charter. The company also received a streamlined Federal Reserve master account earlier this year, which gives it access to some central bank payment systems.
Ripley said a formal banking license would allow the company to bring more financial products to more users. Mark Greenberg, the company’s chief commercial officer, said mortgage loans could be among the services offered later. For markets, the news is potentially mildly positive for crypto-related services because it signals broader institutionalization of a major exchange operator, but the article does not describe any immediate market reaction.
Kraken母公司Payward正探索在美国以外成为一家“全服务银行”
据The Block报道，Kraken母公司Payward正探索在美国以外以“全服务银行”的形式运营，这一动作将使公司从加密货币交易进一步延伸到资产管理和更广泛的金融服务。
联席首席执行官Dave Ripley在怀俄明区块链峰会上表示，公司目前重点关注交易、银行和资产管理三大业务方向。他说，银行业务将包括支付、贷款、收益和托管，而公司已经具备这四项能力。
Payward旗下的Kraken Financial已经拿到怀俄明州特殊目的存款机构牌照，并在今年早些时候获得简化版美联储主账户，从而可以接入部分央行支付系统。
Ripley表示，正式银行牌照将有助于把更多金融产品提供给更多用户。首席商务官Mark Greenberg还提到，未来可能推出房贷等服务。就市场影响看，这一消息对加密相关业务通常偏中性至略偏利好，反映出大型交易平台向传统金融服务扩展的趋势，但报道没有提到即时市场反应。