Stablecoin payments provider Noah has obtained a MiCA crypto-asset service provider license and a PSD2 payment institution license, allowing it to provide stablecoin and fiat payment services in the 27 EU member states. The licenses support its ability to hold, exchange, and transfer stablecoins on behalf of clients, and execute fiat payments via credit transfers; Noah also said it will seek direct access to the SEPA network. The company said its service network now covers more than 150 markets and 60 currencies, enabling clients to complete KYC and KYB through a single regulated provider.
推荐理由：The article explains the MiCA and PSD2 licenses within the same framework, helping readers understand how stablecoin service providers can use unified authorization to cover the 27 EU member states.
The Dutch central bank has granted Qivalis, backed by 37 European banks, an electronic money institution license, bringing it closer to issuing euro-denominated electronic money tokens. Qivalis still needs to publish a white paper and meet other MiCA requirements, and plans to distribute the tokens through banks, cryptocurrency exchanges and payment service providers in the coming months. Under MiCA, holders of electronic money tokens can redeem them at par at any time, and the tokens may not pay interest.
推荐理由：The material sets out the license, the remaining MiCA requirements and the distribution channels, helping readers distinguish between obtaining a license and the formal issuance of stablecoins in the regulatory process.
Rain has applied for an OCC national trust bank charter and plans to use its New York subsidiary to custody digital assets and USD for institutional clients, manage stablecoin reserves, and provide issuance and redemption services for USD stablecoins. The proposed bank will not accept deposits, issue commercial loans, or offer consumer accounts, and will not have FDIC insurance. Client assets will be segregated from the bank’s own assets. The application still requires OCC approval and a public comment process, and has faced opposition from traditional banking groups.
推荐理由：The materials set out the proposed bank’s business boundaries, client asset segregation arrangements, and the regulatory approval and industry litigation background, making it easier to assess the constraints on the chartering path.
Rain已向OCC申请设立Rain National Trust Bank（RNTB），拟将合作方项目的资产托管、储备管理及稳定币发行和赎回纳入联邦监管框架。若获批，RNTB将作为独立子公司，在OCC监督和检查下提供受托资产托管及稳定币发行和赎回，Rain仍是支付平台。ICBA已就数字资产公司申请全国性银行牌照时可能面临较少审查起诉OCC。
Modern Treasury已向OCC申请设立Modern Treasury National Trust Bank，拟作为受联邦监管的有限用途全国性信托银行运营。该银行计划整合Modern Treasury的支付与结算能力，为客户提供法币和稳定币托管及转移服务，但不发行稳定币或发放贷款。申请发生在银行业团体就OCC向数字资产公司发放银行牌照提起诉讼之际。