BitGo 是唯一同时提供 SEC 所描述的所有“自托管”和“第三方托管”选项的服务商 BitGo 独一无二地提供了一个机构级平台，覆盖美国证监会（SEC）所描述的全部托管选项。 以下将说明，BitGo 如何让你对这些选项进行“自由组合（mix-and-match）”，从而构建其他任何服务商都无法支持的定制化风险配置。 👇 1. SEC 的定义 vs. BitGo 的解决方案 SEC 定义了两种主要托管模式。 大多数服务商迫使你二选一，而 BitGo 允许你同时使用两种模式。 选项 A：第三方托管（“合格托管人”） SEC 定义：将资产委托给独立的第三方机构，依赖其安全性、监管资质与保险。 BitGo 解决方案：BitGo Bank & Trust, NA 它是什么：一家完全受监管的合格托管机构。我们在银行级、离线金库中生成并保护私钥。 最适合：你大部分“长期持有（buy-and-hold）”的资产。 选项 B：自托管（热钱包 & 冷钱包） SEC 定义：你自行持有私钥，拥有完全控制权，也承担全部责任。 BitGo 解决方案：自托管钱包（2-of-3 多签，或 MPC 2-of-3 门限结构） 运作方式：你持有两把私钥（客户密钥 + 备份密钥），BitGo 持有一把（用于协签）。在没有你的情况下，我们无法转移资金，但可以执行策略级风控与权限控制。 最适合：运营资金（热钱包）或你希望直接掌控的资产（冷钱包）。 2. “自由组合（Mix-and-Match）”策略（深度冷存储 + 实时操作） 由于 BitGo 将所有这些选项整合在同一个操作面板中，你可以设计出使用分散式服务商根本无法实现的风险结构。 混合模型示例： 🏛️ 90% 放在第三方冷存储（BitGo Trust） 满足最高级别的监管合规、保险与安全标准。 ⚡ 10% 放在自托管热钱包 与信托账户相互独立，用于即时、实时的交易与操作。 结果： * 消除单点故障风险 * 同时防范资产损失与系统性风险 如果你丢失了自托管密钥，你的信托资产仍然安全。 如果你只使用交易所，一旦对方破产，所有资产都会被冻结。而在 BitGo，你是在同一界面下，分散于多种托管模式之中。 3. 回答 SEC 提出的 7 个关键问题 SEC 公告中列出了投资者在选择第三方托管机构时必须问的 7 个问题。 以下是 BitGo 的标准答案： Q1：你是否调查过托管机构的背景？ A： 是的。BitGo Bank & Trust, NA 是一家受监管的受托机构，作为联邦特许的 OCC 国家银行，接受严格监管，满足资本充足率要求，并定期通过 SOC 1 Type 2 与 SOC 2 Type 2 审计。 Q2：托管机构支持哪些加密资产？ A： 我们支持 1400+ 种币与代币，数量超过任何其他服务商。你可以将整个资产组合集中在一个平台，而无需分散管理。 Q3：如果托管机构倒闭会发生什么？ A： 资产具备“破产隔离（Bankruptcy Remote）”属性。 BitGo 使用隔离账户，客户资产绝不与公司资金混用。即使发生破产，资产在法律上仍然完全属于客户。此外，我们还通过劳合社（Lloyd’s of London）承保 2.5 亿美元保险。 Q4：资产存储在何处？如何存储？ A： 深度冷存储。 私钥在完全隔离网络的环境中生成并保存，位于银行级 Class III 金库中。所有钱包均采用 2-of-3 多签或 MPC 门限结构，彻底消除单点失败。 Q5：第三方托管机构是否会使用你的加密资产？ A： 不会。 BitGo Bank & Trust 不出借、不再质押、不再抵押客户资产，所有资产严格按照 1:1 持有。 Q6：托管机构提供哪些隐私保护？ A： 机构级隐私保护。 作为受监管的信托公司，我们遵循经 SOC 2 Type 2 验证的严格隐私标准，且绝不出售客户数据。 Q7：托管机构收取哪些费用？ A： 透明、分级定价。 由于我们不通过出借客户资产来获取隐性收入，商业模式完全基于清晰的服务费结构，确保激励与资产安全保持一致。 总结 通过覆盖 SEC 描述的全部托管选项，BitGo 让机构不再需要在“安全”和“控制权”之间做选择——而是同时拥有两者。 * BitGo Bank & Trust：合格托管 * BitGo Wallets：自托管主权 * 一个操作面板，全部掌控 BitGo is The Only Provider of Every Self-Custody and Third-Party Option Described by the SEC BitGo stands alone as the only provider delivering an institutional-grade platform for every option described by the SEC. Here is how BitGo allows you to "mix-and-match" these options to create a custom risk profile that no other provider can support. 👇 1. The SEC’s Definitions vs. The BitGo Solution The SEC defines two primary models. Most providers force you to choose one. BitGo allows you to utilize both simultaneously. Option A: Third-Party Custody (The "Qualified Custodian") SEC Definition: Entrusting assets to a separate entity. You rely on their security, regulation, and insurance. The BitGo Solution: BitGo Bank & Trust, NA. What it is: A fully regulated, qualified custodian. We generate and secure keys in bank-grade, offline vaults. Best for: The majority of your "buy-and-hold" assets. Option B: Self-Custody (Hot & Cold) SEC Definition: You hold the private keys. You have full control and responsibility. The BitGo Solution: Self-Custody Wallets (2-of-3 Multi-Sig or MPC 2-of-3 threshold). How it works: You hold two keys (Client + Backup). BitGo holds one (Co-signing). We cannot move funds without you, but we can enforce policy controls. Best for: Operational capital (Hot) or assets you want to control directly (Cold). 2. The "Mix-and-Match" Strategy (Deep Cold + Real-Time) Because BitGo builds all these options into a single dashboard, you can engineer a risk profile impossible to achieve with disjointed providers. The Hybrid Model: 🏛️ 90% in Third-Party Cold Storage (BitGo Trust): Meets the highest standard of regulatory compliance, insurance, and safety. ⚡ 10% in Self-Custody Hot Wallets: distinct from the Trust, this float allows for instant, real-time transaction capability. The Result: You eliminate the single point of failure AND protect against loss. If you lose your self-custody keys, your Trust assets are safe. If you only use an exchange, insolvency freezes everything. With BitGo, you are diversified across custody models in one interface. 3. Answering the SEC’s 7 Key Questions The SEC bulletin lists seven questions investors must ask a third-party custodian. Here is the BitGo answer key: Q1: "Have you researched the custodian’s background?" A: Yes. BitGo Bank & Trust, NA is a regulated fiduciary as a federally chartered OCC national bank. We are subject to rigorous oversight, capitalization requirements, and regular SOC 1 Type 2 and SOC 2 Type 2 audits. Q2: "What types of crypto assets does the custodian allow me to hold?" A: We support 1,400+ coins and tokens—more than any other provider. You can consolidate your portfolio under one roof rather than fragmenting it. Q3: "What happens if the custodian fails?" A: Bankruptcy Remote. BitGo uses segregated accounts. Client assets are never commingled with corporate funds. Even in insolvency, your assets are legally yours. Plus, we maintain a $250M insurance policy through Lloyd's of London syndicates. Q4: "Where and how does the custodian store your assets?" A: Deep Cold Storage. Keys are generated and stored offline in air-gapped environments within bank-grade Class III vaults. All wallets utilize 2-of-3 Multi-Sig or MPC threshold security to eliminate single points of failure. Q5: "How does the third-party custodian use your crypto assets?" A: We don’t. BitGo Bank & Trust does not lend out your assets or rehypothecate them. Assets are held on a strict 1:1 basis. Q6: "What privacy protections does the custodian provide?" A: Institutional-grade privacy. As a regulated trust company, we adhere to strict standards verified by SOC 2 Type 2 controls. We never sell customer data. Q7: "What account fees does the custodian charge?" A: Transparent, tiered pricing. Because we do not lend your assets to generate backend revenue, our business model relies on clear service fees, aligning our incentives with the safety of your funds. --- By offering the full spectrum of options described by the SEC, BitGo allows institutions to stop choosing between security and control—and instead choose both. BitGo Bank & Trust for qualified custody. BitGo Wallets for self-custody sovereignty. One Dashboard.