X Money被纽约禁止付息，改发300美元奖金
X Money can’t pay New Yorkers interest, gives them a $300 ‘bonus’ instead
涉及加密支付巨头在核心金融管辖区的合规受阻及业务模式调整，直接影响相关资产的风险定价与监管预期，建议关注后续政策落地情况。
This week, the New York Department of Financial Services (NYDFS) informed Elon Musk’s X Money that it cannot continue to pay bank account-like interest on non-bank account deposits of New York residents.
本周，纽约州金融服务局（NYDFS）通知埃隆·马斯克的 X Money，其不得继续为纽约居民的类银行账户存款支付类似银行账户的利息。
To avoid capital flight from the country’s wealthiest metropolis, X Money offered New York residents a $300 “direct deposit bonus” as “interim compensation,” which it repeatedly insisted “does not constitute APY or interest.”
为避免资本从该国最富裕的大都市外流，X Money 向纽约居民提供了一笔 300 美元的“直接存款奖金”作为“临时补偿”，并反复强调该款项“不构成年化收益率（APY）或利息”。
X Money doesn’t offer bank accounts in New York. Instead, it says it’s a product for New York customers to “earn yield,” “get cashback,” “send wires,” “mail checks,” and “pay your bills,” with “free ATM withdrawals” while “protected with FDIC coverage.”
X Money 在纽约不提供银行账户服务。相反，它表示这是面向纽约客户的一款产品，用于“赚取收益”、“获取返现”、“发送电汇”、“邮寄支票”和“支付账单”，并提供“免费 ATM 取款”服务，同时“受 FDIC 保险保护”。
It holds New Yorkers’ money in a product called a “stored value account” that allows customers to “obtain interest” through September 30 on their money then “earn a $300 bonus” after October 1.
它将纽约人的资金存放在一种名为“储值账户”的产品中，允许客户在 9 月 30 日之前从其资金中“获得利息”，并在 10 月 1 日之后“获得 300 美元奖金”。
These payouts aren’t any type of bank account interest.
这些付款不属于任何类型的银行账户利息。
X has been a crypto scam-filled failure for Elon Musk — now what?
对埃隆·马斯克而言，X 一直是一个充斥着加密货币诈骗的失败项目——接下来会怎样？
Read more: Crypto influencer Tiffany Fong rejected Elon Musk’s baby-making offer, report
阅读更多：加密货币网红蒂芙尼·方拒绝埃隆·马斯克的造人提议，报道
“X Payments does not take deposits”
“X Payments 不接受存款”
The NYDFS approved X Payments as a money transmitter — not a bank in New York — effective July 23. X Money lists its non-bank license number MT-105532 with a July 24 issuance date.
NYDFS 于 7 月 23 日批准 X Payments 作为货币传输商运营——而非在纽约的银行。X Money 列出了其非银行牌照号码 MT-105532，签发日期为 7 月 24 日。
That transmitter license doesn’t turn Musk’s payments arm into a bank. The NYDFS defines money transmitters as businesses that move money for the public.
该传输商牌照并未将马斯克的支付部门转变为银行。NYDFS 将货币传输商定义为为公众转移资金的商业机构。
X Payments’ own license page admits, “X Payments LLC is not a bank.”
X Payments 自己的牌照页面承认，“X Payments LLC 不是银行。”
Its stored value account terms disclaim, “X Payments is not a bank, is not FDIC-insured, and does not take deposits,” even though the homepage for X Money mentions deposits 16 times.
其储值账户条款免责声明指出，“X Payments 不是银行，不受 FDIC 保险保护，也不接受存款”，尽管 X Money 的主页提到了 16 次“存款”。
Despite the legal throat-clearing, X Money promises to credit the $300 “direct deposit bonus” within 14 days of New York residents’ “$3,000 of qualifying deposits,” even though “X Payments does not take deposits,” because a stored value account is not a bank account.
尽管存在法律上的澄清措辞，X Money 仍承诺在纽约居民完成“3,000 美元的合格存款”后的 14 天内发放 300 美元的“直接存款奖金”，尽管“X Payments 不接受存款”，因为储值账户并非银行账户。
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The post X Money can’t pay New Yorkers interest, gives them a $300 ‘bonus’ instead appeared first on Protos.
本文最初发布于 Protos：X Money 无法向纽约人支付利息，转而给予他们 300 美元的‘奖金’
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