{"id":1528,"date":"2025-03-30T20:37:25","date_gmt":"2025-03-30T18:37:25","guid":{"rendered":"https:\/\/kryptozukunft.com\/?p=1528"},"modified":"2025-03-30T20:37:27","modified_gmt":"2025-03-30T18:37:27","slug":"us-banks","status":"publish","type":"post","link":"https:\/\/kryptozukunft.com\/en\/2025\/03\/30\/us-banks\/","title":{"rendered":"US banks"},"content":{"rendered":"

More than 5,000 US banks receive approval for crypto activities: What the regulatory U-turn means<\/h1>\n\n\n\n

The United States is currently experiencing a historic shift in the regulation of digital assets. In a move that has the potential to fundamentally change the financial world, more than 5,000 banks in the US have been paved the way for crypto activities. New regulatory relaxations now allow traditional financial institutions to offer cryptocurrency-related services without prior authorization. What does this opening mean for the financial sector, the crypto market and consumers? We summarize the developments and examine the implications in detail - with a look at the opportunities, challenges and potential consequences for the global financial system.<\/p>\n\n\n\n

\n\n\n\n

Background: The change in US regulation<\/h2>\n\n\n\n

Previously, banks in the USA were subject to a strict authorization requirement if they wanted to invest in or hold digital assets. The FDIC (Federal Deposit Insurance Corporation) in particular required prior written approval for crypto-related activities. With the repeal of the directive FIL-16-2022<\/strong> this constraint has now been removed (FDIC.gov<\/a>).<\/p>\n\n\n\n

The Office of the Comptroller of the Currency (OCC) also stated that national banks will in future be able to carry out certain crypto activities - such as the custody of digital assets or Stablecoin<\/a>-related services - without first obtaining regulatory approvals (Reuters<\/a>).<\/p>\n\n\n\n

These steps eliminate long-standing regulatory uncertainties and create a legally secure framework for banks that want to position themselves in the digital financial world. At the same time, this increases the competitive pressure on traditional banks to develop technologically.<\/p>\n\n\n\n

\n\n\n\n

The role of the US government and political tailwinds<\/h2>\n\n\n\n

The regulatory change of course is in line with the US government's increasingly crypto-friendly stance. Back in January 2025, President Donald Trump signed the executive order 14178<\/strong> under the title \"Strengthening American leadership in digital financial technology\"<\/em> (Whitehouse.gov<\/a>). The aim of the regulation is to promote innovation in the areas of Blockchain<\/a>, Tokenization<\/a> and digital currencies while ensuring security standards and consumer protection.<\/p>\n\n\n\n

This political backing is increasing confidence among banks, fintechs and institutional investors. What is particularly striking is that even traditionally conservative financial players such as regional cooperative banks and savings banks are beginning to test initial pilot projects - for example for the safekeeping of stablecoins or the processing of peer-to-peer payments on a blockchain basis.<\/p>\n\n\n\n

\n\n\n\n

Possible services provided by banks<\/h2>\n\n\n\n

With the new regulatory freedom, banks could offer a wide range of crypto services in the near future. These include, among others:<\/p>\n\n\n\n