Kraken母公司Payward收购Saldo Bank获欧盟牌照
Kraken Parent Company Payward to Buy Saldo Bank in European Banking Push
加密巨头通过并购获取传统银行牌照是行业合规化与机构化的关键里程碑，直接影响欧洲市场的准入策略与长期竞争格局，建议从业者关注后续监管审批进展及业务整合动态。
Bitcoin Magazine
比特币杂志
Kraken Parent Company Payward to Buy Saldo Bank in European Banking Push
Kraken母公司Payward进军欧洲银行业，拟收购Saldo银行
Payward, the parent company of crypto exchange Kraken, has signed a definitive agreement to acquire Saldo Bank, gaining an EU banking license and a footprint across five European markets.
加密货币交易所Kraken的母公司Payward已签署最终协议，收购Saldo银行，从而获得欧盟银行牌照，并在五个欧洲市场建立业务布局。
Payward is buying Saldo Finance Oy, a Finnish holding company whose subsidiary, Saldo Bank UAB, is a digital-first specialized bank licensed in Lithuania. The bank operates in Lithuania, Finland, Sweden and Germany, with a passport into the Netherlands.
Payward正在收购芬兰控股公司Saldo Finance Oy，其子公司Saldo Bank UAB是一家在立陶宛持牌的数字化专业银行。该银行在立陶宛、芬兰、瑞典和德国运营，并拥有进入荷兰市场的护照（即欧盟通行权）。
Payward did not reveal the financial terms of the deal, which is expected to close in 2027, subject to regulatory approvals.
Payward未披露交易的具体财务条款，预计该交易将在2027年完成，但需获得监管批准。
It comes as Kraken, like other crypto exchanges, pushes further into the traditional finance world, allowing users to trade stocks, bonds and other assets. The company has sold its app as a “primary account for everything.”
此举正值Kraken与其他加密货币交易所一样，进一步深入传统金融领域，允许用户交易股票、债券和其他资产。该公司将其应用程序定位为“一切的主要账户”。
“A regulated EU bank is the piece that lets us serve European clients the way a primary financial institution should: one place to hold assets, move them freely, and put them to work,” said Arjun Sethi, Payward’s co-CEO. “We are starting in the EU, and the ambition is global.”
Payward联合首席执行官Arjun Sethi表示：“一家受监管的欧盟银行是我们能够以主要金融机构应有的方式服务欧洲客户的关键：在一个地方持有资产、自由转移并将其投入运作。”他补充道：“我们从欧盟起步，目标是全球化。”
Payward said that once completed, the acquisition is expected to let Payward Banking offer interest on deposits, SME and consumer loans, credit cards, and banking-as-a-service tools such as card issuance, SEPA payments access and embedded lending for partners.
Payward表示，一旦交易完成，Payward Banking预计将提供存款利息、中小企业及个人消费贷款、信用卡，以及面向合作伙伴的嵌入式金融服务工具，如发卡、SEPA支付接入和嵌入式借贷。
Saldo already offers retail term deposits in all four of its operating markets, consumer lending in Lithuania, Finland and Sweden, and a credit card in Finland.
Saldo目前已在所有四个运营市场提供零售定期存款，在立陶宛、芬兰和瑞典提供消费贷款，并在芬兰提供信用卡。
Payward says it already holds a Federal Reserve limited-purpose master account in the U.S. and an e-money license from the Central Bank of Ireland, and has originated more than $2 billion in loans.
Payward表示，它已在美国联邦储备系统持有有限目的主账户，并拥有爱尔兰中央银行颁发的电子货币牌照，且已发放超过20亿美元的贷款。
The deal comes shortly after Payward this week announced plans to launch in the UAE following full approval from Dubai’s Virtual Asset Regulatory Authority.
就在本周Payward宣布在迪拜虚拟资产监管局全面批准后计划进入阿联酋市场之际，这笔交易随之而来。
In September, Bloomberg reported that Nasdaq Inc. was investing $100 million in Payward at a $21 billion valuation, citing people familiar with the matter. Payward and SoFi Technologies also recently agreed to route SoFi customers’ crypto orders through Kraken Prime, Kraken’s prime brokerage arm.
据彭博社今年9月报道，知情人士称纳斯达克公司（Nasdaq Inc.）以210亿美元估值向Payward投资1亿美元。此外，Payward与SoFi Technologies最近也达成协议，将通过Kraken Prime（Kraken的主经纪业务部门）处理SoFi客户的加密订单。
This post Kraken Parent Company Payward to Buy Saldo Bank in European Banking Push first appeared on Bitcoin Magazine and is written by Mathew Di Salvo.
本文《Kraken母公司Payward进军欧洲银行业，拟收购Saldo银行》首发于比特币杂志，由Mathew Di Salvo撰写。
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