New charters would cover crypto custody, trading, staking services, and yield-bearing DeFi products under supervised federal banking regulation.
Full FDIC insurance, federal oversight, direct Fed payment system access, and clear capital market pathways. Crypto moves from fringe to mainstream banking.
BlackRock's Solana fund, Coinbase's institutional services, banks offering stablecoin cards—OCC is signaling the system will accommodate, not block, crypto growth.
The OCC's push complements FDIC reforms and aligns with SEC digital asset framework development. Crypto is becoming a core banking competency.
Expect chartering proposals in Congress, pilot programs for digital asset banks, and traditional institutions doubling down on crypto infrastructure.
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