纽约与Celsius前CEO马辛斯基达成和解：最高3500万美元赔付＋终身禁入加密行业
纽约州奥尔巴尼讯——纽约州总检察长利蒂希娅·詹姆斯（Letitia James）10月9日宣布，其办公室已与已倒闭的加密货币借贷平台 Celsius Network 的联合创始人、前首席执行官亚历克斯·马辛斯基（Alex Mashinsky）达成和解：马辛斯基面临最高3500万美元的条件性赔付，并被永久禁止从事证券、商品和加密货币行业。
这项和解终结了詹姆斯办公室2023年提起的民事诉讼。该诉讼指控马辛斯基误导了数十万投资者——其中包括2.6万多名纽约人——让他们相信在 Celsius 的存款是安全的。检方称，他一再把 Celsius 包装得"比银行还安全"，以吸引数十亿美元的数字资产存款，而公司实际上把客户资产投入高风险投资策略，并隐瞒了由此产生的亏损。
根据和解条款：如果马辛斯基未能向联邦政府上缴1000万美元非法所得（这是在其联邦认罪协议下已没收资产之外的部分），他须向纽约州支付2500万美元；如果他未能服满刑事法院判处的完整刑期（由联邦监狱局执行监督），还须再向纽约州支付1000万美元。换句话说，3500万美元是一个上限，只有在他未能履行联邦案件的没收或服刑条件时才会触发；而终身行业禁令则无条件立即生效。
"Alex Mashinsky promised New Yorkers that his company was a secure place to invest their hard-earned savings, only to leave them penniless when his risky investments collapsed."（"马辛斯基曾向纽约人承诺，他的公司是存放辛苦积蓄的安全之地，结果却在他高风险投资崩盘后让人们血本无归。"）詹姆斯在声明中说，"I will not allow scammers to use cryptocurrencies to prey on unsuspecting New Yorkers."（"我绝不允许骗子利用加密货币掠夺毫无戒心的纽约人。"）
背景：马辛斯基于2024年12月3日在联邦刑事案中承认证券欺诈和商品欺诈罪，2025年5月8日被判处12年联邦监禁，并被责令没收48,393,446美元，目前正在服刑。Celsius 于2022年6月冻结客户提款，一个月后申请破产；据总检察长办公室数据，截至2026年8月，债权人已通过破产程序获偿超过34亿美元。
这项纽约州和解为一连串执法行动画上句号：2026年4月，联邦贸易委员会与马辛斯基达成协议，包括1000万美元罚款和一笔47.2亿美元的暂缓执行判决；2026年6月，商品期货交易委员会对其施加永久交易与注册禁令；2026年9月，他与证券交易委员会达成原则性协议。纽约州的和解在联邦处罚之上，又叠加了一道终身行业禁令，了结了本州的诉讼。
影响：这起和解标志着美国历史上最大的加密借贷平台倒闭案之一在州层面的收尾。对2.6万多名曾在 Celsius 存款的纽约人而言，破产程序中已超过34亿美元的分配仍是追回损失的主要途径；而终身禁令则确保马辛斯基无法重返曾造成损害的金融行业。
New York Reaches Up-to-$35 Million Settlement with Ex-Celsius CEO Mashinsky, Bars Him from Crypto Industry for Life
ALBANY, N.Y. — New York Attorney General Letitia James announced on October 9 that her office has reached a settlement with Alex Mashinsky, the co-founder and former chief executive of the collapsed cryptocurrency lender Celsius Network, securing up to $35 million in conditional payments and permanently barring him from the securities, commodities and cryptocurrency industries.
The settlement resolves a civil lawsuit James's office filed in 2023, which accused Mashinsky of misleading hundreds of thousands of investors — including more than 26,000 New Yorkers — about the safety of deposits at Celsius. Prosecutors said he repeatedly presented Celsius as safer than a bank while the company deployed customer assets in high-risk investment strategies and concealed the resulting losses, in order to attract billions of dollars in digital-asset deposits.
Under the settlement, Mashinsky must pay $25 million to New York if he fails to forfeit $10 million in ill-gotten gains to the federal government, in addition to assets already forfeited under his federal plea agreement. He must pay a further $10 million to New York if he does not serve his full prison sentence, as mandated by the criminal court and overseen by the Bureau of Prisons. In other words, the $35 million is a ceiling that applies only if he misses the forfeiture or prison terms of his federal case; the permanent industry ban, however, takes effect regardless.
"Alex Mashinsky promised New Yorkers that his company was a secure place to invest their hard-earned savings, only to leave them penniless when his risky investments collapsed," James said in a statement. "I will not allow scammers to use cryptocurrencies to prey on unsuspecting New Yorkers."
Background: Mashinsky pleaded guilty on December 3, 2024, to securities fraud and commodities fraud in a parallel federal criminal case. He was sentenced on May 8, 2025, to 12 years in federal prison and ordered to forfeit $48,393,446. Celsius froze customer withdrawals in June 2022 and filed for bankruptcy a month later; according to the attorney general's office, creditors have received more than $3.4 billion through the bankruptcy proceedings as of August 2026.
The New York settlement caps a cascade of enforcement actions. In April 2026, the Federal Trade Commission reached an agreement with Mashinsky that included a $10 million payment and a stayed $4.72 billion judgment. In June 2026, the Commodity Futures Trading Commission imposed a permanent trading and registration ban. In September 2026, Mashinsky reached an agreement in principle with the Securities and Exchange Commission. The state settlement closes New York's own case while layering a lifetime ban on top of the federal penalties.
Impact: The deal marks the state-level conclusion of one of the largest crypto-lender collapses in U.S. history. For the more than 26,000 New Yorkers who held deposits at Celsius, the bankruptcy distributions — now above $3.4 billion — remain the main path to recovery, while the lifetime industry ban ensures Mashinsky cannot return to the financial businesses where regulators say he caused the harm.
图片来源：Kenneth C. Zirkel 摄，CC BY-SA 4.0（Wikimedia Commons）
