암호화폐 규제 법제화로 '온체인' 시대 개막
확대하기[디자인=블록스트리트 정하연 기자] 디자인=블록스트리트 정하연 기자
미국 은행 산업이 블록체인 기반의 '온체인(on-chain)' 금융 시스템으로의 대전환을 본격화하고 있다. 그동안 논의 단계에 머물렀던 암호화폐 규제가 실제 시행 단계로 접어들면서, 전통 금융권이 디지털 자산 시장에 적극 진출하고 있는 것...

<div><h3></h3><p><span>암호화폐 규제 법제화로 '온체인' 시대 개막</span></p><div><div><figure><span><a href="https://www.blockstreet.co.krjavascript:void(Common.imageView('20251210000005_1024.png'));" title="확대하기" rel="nofollow"><img src="https://img.blockstreet.co.kr/assets/image/icons/plus.png"></a></span><img src="https://img.blockstreet.co.kr/photo/2025/12/10/20251210000005_0800.png" alt="디자인=블록스트리트 정하연 기자"></figure>  <figcaption>디자인=블록스트리트 정하연 기자</figcaption></div></div>미국 은행 산업이 블록체인 기반의 '온체인(on-chain)' 금융 시스템으로의 대전환을 본격화하고 있다. 그동안 논의 단계에 머물렀던 암호화폐 규제가 실제 시행 단계로 접어들면서, 전통 금융권이 디지털 자산 시장에 적극 진출하고 있는 것이다. <br><br>암호화폐 전문매체 코인데스크는 금일 미국은행(Bank of America)의 최신 보고서를 인용해 미국 통화감독청(OCC)이 5개 디지털 자산 기업에 조건부 국가신탁은행 면허를 발급했다고 보도했다. 이는 연방 차원에서 스테이블코인과 암호화폐 수탁 업무를 공식 인정한 첫 사례로, 암호화폐 산업의 제도권 편입을 상징하는 이정표가 됐다. <br><br>연방예금보험공사(FDIC)는 이번 주 내로 지급결제용 스테이블코인에 대한 규제 제안을 발표할 예정이다. GENIUS 법안에 따라 관련 규정은 2026년 7월까지 완성돼 2027년 1월부터 효력을 발휘하게 된다. 연방준비제도(Fed) 관계자들도 다른 은행 규제 당국과 협력해 스테이블코인 발행사에 적용할 자본, 유동성, 분산화 기준을 마련 중이라고 밝혔다. <br><br>글로벌 금융기관들의 움직임도 빨라지고 있다. 보고서에 따르면 JP모건과 싱가포르 DBS은행은 퍼블릭 블록체인과 프라이빗 블록체인에서 토큰화된 가치 이전의 상호운용성 프레임워크를 공동 개발 중이다. 이는 서로 다른 블록체인 네트워크 간 자산 이동을 원활하게 하기 위한 기술적 토대 마련 작업이다. <br><br>미국은행은 향후 채권, 주식, 머니마켓펀드(MMF), 국경 간 송금 등 주요 금융 상품과 서비스가 블록체인으로 이전될 것으로 전망했다. 이러한 변화에 대응하기 위해 은행들은 블록체인 기술에 대한 이해를 넘어 토큰화 자산과 온체인 결제 시스템을 직접 실험하고 도입하려는 의지가 필요하다고 강조했다. 규제 명확화와 함께 시작된 미국 금융권의 블록체인 전환은 향후 수년간 업계의 핵심 과제가 될 전망이다. <br><br>최주훈 joohoon@blockstreet.co.kr<br></div>

美 은행권, 블록체인 기반 금융 시스템 전환 본격화

Cryptocurrency Regulation Legislation Usheres in the "On-Chain" Era
Expand [Design = Blockstreet Reporter Jeong Ha-yeon] Design = Blockstreet Reporter Jeong Ha-yeon
The US banking industry is undergoing a full-scale transformation toward a blockchain-based, "on-chain" financial system. As cryptocurrency regulation, previously in the discussion phase, enters the implementation phase, traditional financial institutions are actively entering the digital asset market...

<div><h3></h3><p><span>Cryptocurrency regulation and legislation usher in an &quot;on-chain&quot; era.</span></p><div><div><figure> <span><a href="https://www.blockstreet.co.krjavascript:void(Common.imageView('20251210000005_1024.png'));" title="Zoom in" rel="nofollow"><img src="https://img.blockstreet.co.kr/assets/image/icons/plus.png"></a></span> <img src="https://img.blockstreet.co.kr/photo/2025/12/10/20251210000005_0800.png" alt="Design = Blockstreet Reporter Jeong Ha-yeon"></figure><figcaption> Design = Blockstreet Reporter Jeong Ha-yeon</figcaption></div></div> The US banking industry is undergoing a full-scale transformation toward a blockchain-based, &quot;on-chain&quot; financial system. As cryptocurrency regulations, previously in the discussion phase, move into implementation, traditional financial institutions are actively entering the digital asset market.<br><br> Citing a recent report from the Bank of America, cryptocurrency news outlet CoinDesk reported today that the Office of the Comptroller of the Currency (OCC) has issued conditional national trust bank licenses to five digital asset companies. This marks the first official federal recognition of stablecoin and cryptocurrency custody services, marking a significant milestone in the institutionalization of the cryptocurrency industry.<br><br> The Federal Deposit Insurance Corporation (FDIC) is expected to release regulatory proposals for payment stablecoins this week. Under the GENIUS Act, the relevant regulations are scheduled to be finalized by July 2026 and take effect in January 2027. Federal Reserve officials also announced that they are working with other banking regulators to develop capital, liquidity, and diversification standards for stablecoin issuers.<br><br> Global financial institutions are also accelerating their efforts. According to reports, JP Morgan and Singapore&#39;s DBS Bank are jointly developing an interoperability framework for tokenized value transfers across public and private blockchains. This lays the technical foundation for facilitating asset transfers across different blockchain networks.<br><br> The US central bank predicted that key financial products and services, such as bonds, stocks, money market funds (MMFs), and cross-border remittances, will migrate to blockchain in the future. To address this shift, banks emphasized the need to go beyond understanding blockchain technology and actively experiment with and implement tokenized assets and on-chain payment systems. The transition to blockchain in the US financial sector, which began with regulatory clarification, is expected to be a key industry challenge for the coming years.<br><br> Joohoon Choi joohoon@blockstreet.co.kr<br></div>

US banks are shifting to a blockchain-based financial system.

As mentioned before, we'll trade at key levels!

If it can firmly hold above that level, then we can aim for the previous high!

If it fails to break through, don't short immediately. A drop would require a pullback, making it less cost-effective; it's better to avoid trading unless a downtrend emerges on a smaller timeframe.

Shill signals | BTC

Original title: State of Crypto Q4 2025: Younger investors are rewriting the investing playbook
Original source: Coinbase
Original translation by Chopper, Foresight News
For decades, the path Americans have taken to accumulate wealth has remained largely unchanged: find a good job, buy property, invest in stocks, and then wait for the returns to compound over time. However, our latest Cryptocurrency Industry Report shows...

Coinbase: Say Goodbye to Buying Houses and Speculating in Stocks, Cryptocurrency Becomes the Main Battleground for Young People's Wealth

Bear markets are great times to learn. Here's an ultimate use of RSI:

Absolutely top-tier alpha!

Your previous methods are definitely wrong, and RSI is never a beginner's indicator.

Know that RSI is a Relative Strength Index (RSI), a momentum indicator.

Initially, people used overbought/oversold conditions to understand it. In recent years, people have used RSI divergence to analyze charts.

But RSI's greatest treasure lies in trend-following trading, specifically in divergence pullbacks. This is the key tool for getting on board in a major trend.

Actually, there are two main RSI strategies:

1. Profit...