内布拉斯加州发出全美首张数字资产银行牌照 Telcoin 获准以国债与银行存款储备发行稳定币
内布拉斯加州州长 Jim Pillen 与州银行与金融厅厅长 Kelly Lammers 于2026年11月13日在州府 Lincoln 宣布，向 Telcoin Digital Asset Bank 发出数字资产存托机构牌照，这是全美第一张州级数字资产银行牌照，该机构可依法「铸造」稳定币。
根据牌照要求，Telcoin 发行的稳定币须以美国国债或存放于联邦存款保险公司（FDIC）承保的内布拉斯加州银行的存款等资产作为储备。州长办公室表示，这一框架意在把数字资产业务纳入州银行监管体系，与传统银行牌照接受同样的审查与监督。
Telcoin 首席执行官 Paul Neuner 表示，牌照落地后，公司总部所在的 Norfolk 有望成为「互联网货币中心」。前联邦众议员 Mike Flood 也出席了签约活动，他是2021年《内布拉斯加金融创新法》的主要倡议者，该法于2021年10月1日生效，为数字资产存托机构的州级牌照创设了法律框架。
Pillen 表示，内布拉斯加州率先建立数字资产银行的监管路径，既为金融创新企业提供明确规则，也通过储备要求保护消费者。州银行与金融厅将负责该机构的持续监管。
数字资产银行牌照在美国仍属新生事物，各州做法不一。内布拉斯加州此次发出全美首例牌照后，Telcoin 可在州监管下开展稳定币发行与数字资产托管业务，后续运营与储备审计情况将由州银行与金融厅公布。
Nebraska Issues First-in-the-Nation Digital Asset Bank Charter to Telcoin
Nebraska Governor Jim Pillen and Kelly Lammers, director of the Nebraska Department of Banking and Finance, announced on November 13, 2026, in Lincoln that the state has issued a digital asset depository institution charter to Telcoin Digital Asset Bank, the first state-level digital asset bank charter in the nation, authorizing the company to mint stablecoins.
Under the charter, stablecoins issued by Telcoin must be backed by reserves held mainly in U.S. Treasury securities or deposits at FDIC-insured Nebraska banks. The Governor's Office said the framework brings digital asset activity inside the state's banking regulatory system, subject to the same examination and supervision as traditional charters.
Telcoin Chief Executive Paul Neuner said that with the charter in place, Norfolk, where the company is based, can become a center for internet money. Former U.S. Representative Mike Flood, who championed the Nebraska Financial Innovation Act of 2021, which took effect October 1, 2021 and created the legal framework for the charter, also attended the signing.
Governor Pillen said Nebraska's first-in-the-nation charter gives financial innovators clear rules while protecting consumers through reserve requirements. The Department of Banking and Finance will supervise the institution on an ongoing basis.
State charters for digital asset banks remain new in the United States, and states have taken different approaches. With Nebraska's charter now issued, Telcoin may conduct stablecoin issuance and digital asset custody under state supervision, with the banking department to report on its operations and reserve audits.
来源：内布拉斯加州州长办公室
发布：GSM·美国（发布链接）
图片来源：图片来源：内布拉斯加州州长办公室官方照片，图中为州长 Pillen 等人在州议会大厦展示签署的牌照文件 Image: official photo, Office of the Governor of Nebraska; showing Governor Pillen and officials holding the signed charter at the Nebraska State Capitol
GSM Global · 本篇英文版 English edition of this story
