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Revolut 任命 Coinbase 前首席风险官兼欧洲董事总经理 Michael Schroeder 担任加密货币扩张全球主管。

Schroeder spent nearly three years at Coinbase overseeing European risk and regulatory operations.

他在 LinkedIn 上宣布此举的帖子中表示，他在 Revolut 的工作重点将包括“许可、监管准备、运营和市场启动”。

Michael Schroeder, Global Head Crypto Expansion, Revolut, Source: LinkedIn

措辞很有启发性。 This is not the sort of hire associated with customer acquisition or product marketing. It suggests that regulatory and licensing capabilities will be as important as product expansion.

The move also reflects a broader pattern emerging across the sector. Recently, Kraken appointed Andreas Roussos, a regulatory technology specialist, to lead its Cyprus operations.

虽然 Kraken 的塞浦路斯部门与 MiFID 监管的活动密切相关，但其基本逻辑似乎相似：风险、合规性和许可专业知识是扩张战略的核心。

搬回美国？

Revolut already holds a strong regulatory position in Europe and the UK.

2025 年，这家金融科技公司成为首批获得塞浦路斯证券交易委员会 MiCA 许可证的公司之一，塞浦路斯作为其欧洲加密业务的基地。

The fintech was officially added to the UK's Financial Conduct Authority (FCA) list of registered cryptoasset firms in 2022.

Yet despite aggressive international growth, there is still one major market where Revolut lacks crypto permissions: the US.

2023 年 10 月，Revolut 暂停了为美国客户提供的所有加密货币服务，理由是美国证券交易委员会加强对该行业的审查，并称“监管环境不断变化”。

美国用户保留了 Revolut 银行和法定货币服务的访问权限，但无法再通过该平台购买、出售或持有数字资产。

不过，情况正在发生变化。

2026 年 3 月，Revolut 申请了美国国家银行执照，此举被广泛解读为试图加深其在美国的影响力并减少对合作银行安排的依赖。

If Revolut becomes a federally chartered bank, it could improve the odds of a crypto return.