# 提供加密貨幣交易的英國金融科技巨頭Revolut申請美國銀行執照。

*fintech · news · 2026-03-05 · CoinDesk*

## Key points

- Revolut已向貨幣監理署申請美國銀行執照。
- 若獲批准，Revolut將可直接使用美國Fedwire及ACH支付網絡。
- Revolut於一月由收購美國銀行轉為申請新設銀行執照。
- 目前Revolut透過Lead Bank在美國營運，尚未持有自有銀行執照。
- 美國銀行執照將使Revolut能提供信用卡及貸款等借貸產品。

Revolut, the U.K. fintech giant that offers crypto trading, filed an application for a U.S. banking license with the Office of the Comptroller of the Currency (OCC), a key step in its push to expand in the American financial system. If approved, the license would allow the London-based company to operate more like a traditional bank in the world's largest economy. The company said it would gain direct access to payment networks such as Fedwire and the Automated Clearing House (ACH), systems that move trillions of dollars between banks each year. A license could also open the door to lending products, including credit cards and personal loans. Today, Revolut offers banking services in the U.S. through Lead Bank, a Kansas City-based partner. That arrangement allows it to provide accounts and payments without holding its own charter. The filing comes after Revolut dropped its plans to buy a U.S. bank in January to instead get a de novo banking license, which allows banks to start up from scratch. It also comes a day after Kraken became the first cryptocurrency exchange to secure a Federal Reserve “master account,” which gives its banking arm direct access to the Fed’s core payment system. Revolut, valued at about $75 billion, has said the U.S. market is central to its goal of building a global digital bank. Approval of a charter would mark one of the company’s biggest regulatory milestones outside Europe.

**Companies:** Revolut
**Countries:** United Kingdom, United States

[Read the full story on CoinDesk](https://www.coindesk.com/policy/2026/03/05/crypto-friendly-fintech-giant-revolut-files-for-u-s-banking-license)

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