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[虚拟币交流]
币安美国：用户存款不再受FDIC保护 停止美元出金（18日转）
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加密货币交易所币安美国(Binance.US)在今年6月遭到美国证券交易委员会(SEC)突击起诉后不久即宣布，其合作的银行支付伙伴将于6月13日暂停对该交易所美元出入金管道的支持，被迫暂停美元出入金。
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虽然在一个多月后，币安美国曾于8月23日宣布合作第三方支付服务提供商MoonPay，提供新的美元入口。但事情总是一波三折，据币安美国在10月17日更新的使用条款显示，其用户将无法再直接从该平台提取美元，且用户在该交易所持有的加密货币也不再受到联邦存款保险公司(FDIC)提供的存款保险保护。
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4 I1 L) c( L% k) p在更新后的使用条款中，币安美国明确表示用户无法再直接从该平台提取美元，替代性解决方案是：如果客户希望从账户中提取美元资金，他们可以通过将美元资金兑换为稳定币或其他数字资产，然后再将资金提取出来。# Q% ^3 _: E# D# I! H- T
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用户资金不再受到FDIC保护
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另一方面，币安美国还表示，除了用户不能直接在其平台上提取美元以外，用户在该交易所持有的加密货币也将不再受到联邦存款保险公司(FDIC)提供的存款保险的保护。
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4 G, d$ |/ W A# ^) s据了解，联邦存款保险公司(FDIC)于1933年大萧条后成立，旨在保护美国公民在银行倒闭时不会损失一定金额的资金。但币安美国此次更新后的使用条款显示：您的账户和数字资产不符合FDIC保险保护的资格。2 M+ S, z) H6 C# B
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6 r2 E2 |* Z; M* [- Z: Y1 i" NFDIC此前发布的一份声明或许可以对此做出解释：请注意，您的加密货币存款不受FDIC的保护。如果发生什么事，ZF可能没有义务介入并帮助你拿回自己的钱。1 A* l0 U# o. h7 S' D. @ j) w. n
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