#比特币与黄金战争 Senator Lummis's latest remarks in the crypto circle have caused quite a stir.

She straightforwardly stated that the "Simplified Account" plan currently discussed by the Federal Reserve could be a turning point in solving the "de-banking" dilemma faced by crypto businesses. What is a simplified account? In simple terms, it allows compliant institutions to directly access basic banking services without involving complex credit or high-risk activities.

The current situation is somewhat awkward—many crypto trading platforms, wallet service providers, and even compliant projects are being shut out by traditional banks. The problem isn't that they are illegal; it's that the banks themselves are scared. Regulatory uncertainty, high compliance costs—rather than taking risks, they prefer to refuse altogether for safety. What’s the result? Domestic crypto innovation in the U.S. is suppressed, and industry talent and capital are flowing overseas.

Lummis's core logic is very clear: if the Federal Reserve can standardize a low-risk account system, crypto companies can gain basic capabilities such as payments, settlement, and custody. This would isolate risks while still being within a regulatory framework. A win-win situation.

From a broader trend perspective, U.S. regulation is quietly shifting. It’s no longer just about blocking risks but about designing systems that allow innovation and regulation to coexist. If the "Simplified Account" is truly implemented, the survival environment for the crypto industry could see significant improvement, opening up new possibilities for future compliant development.