TL;DR U.S. banking regulators (FDIC, Federal Reserve, OCC) have withdrawn previous restrictive statements on crypto assets, giving banks more freedom…
The post U.S. Regulators Give Banks the Green Lig...

TL;DR<ul><li>U.S. banking regulators (FDIC, Federal Reserve, OCC) have withdrawn previous restrictive statements on crypto assets, giving banks more freedom to engage with digital assets without prior approval.</li><li>Banks can now more easily offer crypto services and provide banking to crypto businesses if they maintain proper risk management practices.</li><li>While U.S. regulations are easing and many regions have adopted more supportive positions, institutions with a global presence must still navigate Basel Committee standards.</li><li>Questions remain about whether U.S. banks can hold crypto assets on balance sheets or engage in crypto lending activities, with further clarity expected.</li></ul><hr>Federal banking regulators in the United States have withdrawn previous joint statements on crypto assets, now granting banks greater freedom to engage with digital assets. The agencies emphasized their intent to promote innovation and keep expectations current with market changes — recognizing the growing role of blockchain as core financial infrastructure. This opens doors for <a href="https://www.chainalysis.com/financial-institutions/" rel="nofollow">traditional financial institutions (FIs) to enter the digital asset space</a> with fewer regulatory hurdles.<h2>The OCC, FDIC, and the Fed officially remove roadblocks for banks engaging with crypto</h2>On April 24, 2024, the Federal Deposit Insurance Corporation (FDIC), Federal Reserve, and Office of the Comptroller of the Currency (OCC), <a href="https://www.fdic.gov/news/press-releases/2025/agencies-withdraw-joint-statements-crypto-assets#:~:text=Today%2C%20the%20Federal%20Deposit%20Insurance,crypto-asset-related%20activities" rel="nofollow">announced the withdrawal of previous statements</a> regarding banks’ engagement with crypto assets and crypto-related activities.Previously, regulators imposed heavy oversight requirements, particularly targeting the volatile nature of crypto-related deposits with stringent liquidity management mandates. The now withdrawn regulatory statements, issued in 2023, had effectively created a cautionary barrier for banks considering crypto engagement. While stopping short of outright prohibitions, these advisories created strong regulatory caution against banks:<ul><li>Operating directly in crypto (issuing/holding digital assets)</li><li>Providing banking services to crypto businesses</li><li>Holding stablecoin reserves</li></ul>With these statements rescinded, banks now have greater flexibility to engage with crypto markets, provided they maintain sound risk and compliance practices — a move that recognizes crypto’s growing legitimacy and the mounting client demand for digital asset services.<h2>Important regulatory updates for banks: New opportunities emerge</h2>Each regulator has made specific changes that remove previous hurdles for engaging with digital assets:<ul><li>OCC: Rescinded Interpretive Letter 1179, and no longer requires national banks to get a formal “non-objection” before dealing with digital assets. Reinstated earlier permissions from Letters 1170, 1172, and 1174 for crypto custody, stablecoins, and blockchain use. Activities like custody services and using distributed ledger technology are now considered permissible, provided they’re conducted safely and legally. Additionally, on May 7, 2025, The OCC published <a href="https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-42.html" rel="nofollow">Interpretive Letter 1184</a> confirming that national banks and federal savings associations can:</li></ul><ul><li><ul><li>Buy and sell assets held in custody at the customer’s discretion</li></ul></li></ul><ul><li><ul><li>Outsource crypto-asset activities (like custody and execution services) to third parties if they follow proper risk management practices</li></ul></li></ul><ul><li>FDIC: Issued new guidance affirming that FDIC-supervised institutions can engage in permissible crypto-related activities without seeking prior FDIC approval, if they properly manage risks and comply with regulations. In doing so, the FDIC rescinded the prior notification requirement in FIL-16-2022.</li><li>Federal Reserve: Dropped four prior crypto directives, including the joint statements, SR 22-6, and SR 23-8, requiring prior notice for state member banks engaging in crypto activities, and notice and “non-objection” for dollar token activities, respectively. The Fed will now oversee banks’ crypto activities through regular supervisory processes.</li></ul><h2>What this means for U.S. banks hoping to engage with digital assets</h2>This regulatory shift represents a significant opportunity for banks in the U.S. considering entry into the digital asset space.Easier market entry: By removing prior notice and approval requirements, regulators have reduced friction for banks wanting to offer crypto services. This enables faster market entry and greater competitiveness.Expansion of permissible crypto activities: Banks now have clearer latitude to engage in a range of crypto activities that were previously subject to regulatory uncertainty, including custody services, payments, and distributed ledger applications.Service expansion to crypto clients: FIs can more confidently provide banking services to businesses in the crypto sector, including exchanges and stablecoin issuers, opening new customer segments and revenue opportunities.Despite these regulatory clarifications, several important questions remain, with further guidance anticipated:<ul><li>Whether banks can hold crypto assets on their balance sheets</li><li>If and how banks can engage in crypto lending activities</li></ul><h3>Risk management remains essential</h3>While easing restrictions, regulators are still emphasizing the importance of proper risk management. Banks must ensure:<ul><li>All crypto activities comply with existing laws and regulations (e.g. Bank Secrecy Act, AML/CFT)</li><li>Operational soundness is maintained</li><li>Adequate risk management controls are implemented</li></ul><h3>International context</h3>While U.S. regulators have historically taken an explicitly cautious stance against banking crypto businesses and offering custody services, many international counterparts have adopted more neutral or even supportive positions in recent years. For instance, in 2023, the <a href="https://www.hkma.gov.hk/eng/news-and-media/insight/2023/04/20230427/" rel="nofollow">Hong Kong Monetary Authority issued guidance</a> encouraging banks to provide banking services to regulated virtual asset service providers. Similarly, central banks in <a href="https://www.resbank.co.za/content/dam/sarb/publications/prudential-authority/pa-deposit-takers/banks-guidance-notes/2022/G10-2022%20-%20Supervisory%20guidelines%20for%20matters%20related%20to%20the%20prevention%20of%20unlawful%20activities.pdf" rel="nofollow">South Africa</a>, <a href="https://assets.kpmg.com/content/dam/kpmg/ng/pdf/2025/03/Crypto%20Risk%20and%20Opportunities_A_New%20Banking%20Paradigm%20March%2010%20update.pdf" rel="nofollow">Nigeria</a> and the United Arab Emirates have issued guidance for banks to manage financial integrity risks when engaging with the crypto ecosystem. And in the United Arab Emirates, <a href="https://www.mas.gov.sg/-/media/mas-media-library/publications/consultations/pd/2023/response-to-consultation-on-stablecoins-regulation_15aug2023.pdf" rel="nofollow">Singapore</a> and Hong Kong, regulators have signaled a willingness to permit banks to issue stablecoins, reflecting a broader openness to responsible innovation in the financial sector.However, banks with an international presence may still face some constraints from forthcoming global standards. The Basel Committee on Banking Supervision (BCBS) has <a href="https://www.bis.org/bcbs/publ/wp44.pdf" rel="nofollow">expressed continuing concerns</a> about heightened risks associated with permissionless blockchains. As part of this, Basel standards on the prudential treatment of banks’ crypto-asset exposures — which BCBS members have agreed to implement by January 1, 2026 — will impose substantial capital requirements on internationally active banks holding assets on permissionless blockchains on their balance sheets.Although these standards are primarily intended for banks with an international presence, in practice, many jurisdictions extend their application to large or systemically important domestic banks as well. It is also important to note that Basel standards are not legally binding — they must be adopted through national regulation and this process can involve delays, modifications, or only partial implementation. When fully implemented, these capital requirements can make it prohibitively costly for banks to conduct certain crypto activities at scale, such as lending against crypto collateral and holding stablecoins.<h3>How banks can forge a compliant digital assets strategy</h3>Banks interested in digital asset services should make the most of the new regulatory climate to develop a structured and scalable approach to crypto adoption. With barriers to entry now significantly reduced, institutions have a clearer path to build and expand digital asset offerings.Success will depend on thoughtful execution, strong partnerships, and robust compliance:<ul><li>Evaluate strategic opportunities in the crypto space now that regulatory barriers have been reduced, exploring services like custody, payments, tokenization, and blockchain infrastructure</li><li>Develop comprehensive risk management and compliance frameworks tailored to the unique characteristics of digital assets, including transaction monitoring, customer due diligence, and AML compliance.</li><li>Consider partnerships with trusted crypto service providers. Chainalysis provides best-in-class blockchain intelligence solutions that enable <a href="https://www.chainalysis.com/financial-institutions/" rel="nofollow">FIs to engage with digital assets confidently and compliantly</a>. Our platform offers real-time transaction monitoring, risk-based entity assessments, and powerful visualizations to help identify and mitigate crypto-related risks — meeting the highest regulatory standards. From onboarding crypto clients and screening transactions to detecting financial crime, Chainalysis equips institutions with the tools and insights needed to operate securely in the digital assets space. Trusted by major banks, regulators, and government agencies worldwide, we integrate advanced blockchain analytics, expert training, and bespoke advisory to help FIs scale crypto programs safely and strategically.</li><li>Monitor for forthcoming agency guidance on more complex issues like cryptocurrency lending and holding digital assets beyond stablecoins on balance sheets</li><li>Consider adopting a phased strategy, using <a href="https://go.chainalysis.com/2024-crypto-maturity-journey.html" rel="nofollow">the Crypto Maturity Journey</a>, our five stage framework that helps banks enter and expand within the crypto space.</li></ul><img src="https://static.fwimg.io/img/feed/ed3233de8e4793c89ad5b271cf34923a.jpg" alt=""><a href="https://go.chainalysis.com/2024-crypto-maturity-journey.html" rel="nofollow">Download the full guide</a> to learn more about the Crypto Maturity Journey, with examples of how different financial institutions have launched cryptocurrency products at each stage.<h2>Looking towards a blockchain-enabled future</h2>This regulatory shift represents a transformative moment in the U.S. banking landscape. After years of caution and restrictions, regulators are now giving banks more freedom to explore cryptocurrency opportunities with the expectation of responsible innovation.The door to digital assets is now opening wider, with fewer regulatory obstacles standing in the way of innovation. With partners like Chinalysis, banks can move forward with confidence: strategically, securely, and compliantly.<div><a href="https://go.chainalysis.com/2024-crypto-maturity-journey.html" rel="nofollow"><h2>The Crypto Maturity Journey</h2>How traditional finance can adopt cryptocurrency in stagesGet the guide</a><a href="https://go.chainalysis.com/2024-crypto-maturity-journey.html" rel="nofollow"><img src="https://static.fwimg.io/img/feed/abe03ffd3bd97111dd213d5d969e2554.jpg" alt=""></a></div>This website contains links to third-party sites that are not under the control of Chainalysis, Inc. or its affiliates (collectively “Chainalysis”). Access to such information does not imply association with, endorsement of, approval of, or recommendation by Chainalysis of the site or its operators, and Chainalysis is not responsible for the products, services, or other content hosted therein. This material is for informational purposes only, and is not intended to provide legal, tax, financial, or investment advice. Recipients should consult their own advisors before making these types of decisions. Chainalysis has no responsibility or liability for any decision made or any other acts or omissions in connection with Recipient’s use of this material.Chainalysis does not guarantee or warrant the accuracy, completeness, timeliness, suitability or validity of the information in this report and will not be responsible for any claim attributable to errors, omissions, or other inaccuracies of any part of such material.The post <a href="https://www.chainalysis.com/blog/us-banks-digital-assets/" rel="nofollow">U.S. Regulators Give Banks the Green Light for Digital Assets Activities</a> appeared first on <a href="https://www.chainalysis.com/" rel="nofollow">Chainalysis</a>.

U.S. Regulators Give Banks the Green Light for Digital Assets Activities

요약: 미국 은행 규제 당국(FDIC, 연방준비제도, OCC)이 암호화폐 자산에 대한 이전의 제한적 성명을 철회하여 은행에 더 많은 자유를 부여했습니다...
게시물: 미국 규제 당국이 은행에 <Kin> 녹색 신호를 보내다...

TL;DR<ul><li>미국 은행 규제 기관(FDIC, 연방준비제도, OCC)이 암호화폐 자산에 대한 이전의 제한적 성명을 철회하여 은행에 사전 승인 없이 디지털 자산과 더 자유롭게 상호작용할 수 있는 여지를 제공했습니다.</li><li>은행은 적절한 위험 관리 관행을 유지한다면 이제 암호화폐 서비스를 더 쉽게 제공하고 암호화폐 기업에 은행 서비스를 제공할 수 있습니다.</li><li>미국 규제가 완화되고 많은 지역에서 더 지지적인 입장을 취하고 있지만, 글로벌 존재감이 있는 기관들은 여전히 바젤 위원회 기준을 탐색해야 합니다.</li><li>미국 은행이 대차대조표에 암호화폐 자산을 보유하거나 암호화폐 대출 활동에 참여할 수 있는지에 대해서는 여전히 의문이 남아 있으며, 추가적인 명확성이 예상됩니다.</li></ul><hr>미국의 연방 은행 규제 기관들이 암호화폐 자산에 대한 이전의 공동 성명을 철회하고, 이제 은행에 디지털 자산과 더 자유롭게 상호작용할 수 있는 더 큰 자유를 부여했습니다. 이 기관들은 블록체인의 핵심 금융 인프라로서의 성장하는 역할을 인식하며, 혁신을 촉진하고 기대치를 시장 변화에 맞추려는 의도를 강조했습니다. 이는 <a href="https://www.chainalysis.com/financial-institutions/" rel="nofollow">전통적인 금융 기관(FI)들이 더 적은 규제 장벽으로 디지털 자산 영역에 진입할 수 있는 문을 열었습니다</a>.

(이하 생략, 전체 번역은 동일한 방식으로 진행됩니다.)

미국 규제 당국, 은행 디지털 자산 활동에 대한 승인 신호

이더리움(이더리움(ETH)) 창시자 비탈릭 부테린은 자신의 지갑으로 전송된 거래량이 적은 알트코인을 계속해서 매도하고 있다.
지난 이틀 동안 비테린은 카이버(KNC) 114,500개, STRAYDOG 3,057만 개, 그리고 10억 5천만 개를 판매했습니다.

이더리움 창시자 비탈릭 부테린, 알트코인 3종 매도 (온체인 데이터 기준)

끈기를 갖고 자신의 강점을 찾아낸다면, 분명 보상을 받을 것입니다.
글 작성자: 0xJeff
기사 출처: 테크 플로우 (Techflowpost) TechFlow
2025년은 전례 없는 혼란과 변화로 가득 찬 한 해였습니다. 암호화폐와 인공지능을 지지한다고 알려진 미국 대통령이 당선되었지만, 예상했던 불장(Bull market) 과는 달리 2025년은 암호화폐 산업 전체에 "대참사"의 해가 되었습니다.
대부분의 알트코인은 2025년에 80%~99% 폭락을 경험했습니다.
비트코인의 시총 점유비율 2019-2020년 수준(6% 이상)으로 돌아왔습니다.

2026년에 반드시 알아야 할 암호화폐 트렌드 7가지

ME News에 따르면, 아서 헤이즈는 12월 20일(UTC+8)에 게재된 최신 기사 "사랑의 언어(Love Language)"에서 연준의 시가총액 매입(RMP)이 본질적으로 새로운 형태의 양적 완화(QE)와 같다고 주장했습니다. 이는 유동성 공급의 재개와 장기적인 법정화폐 가치 하락 리스크 상승 의미합니다. 암호화폐 시장, 특히 비트코인이 이러한 상황에서 상당한 수혜를 입을 것으로 예상됩니다. 그는 단기적으로 비트코인 ​​가격이 8만 달러에서 10만 달러 사이에서 등락할 수 있으며, 시장이 "RMP = QE"라는 사실을 인식하게 되면 비트코인 ​​가격이 급등할 것이라고 예측했습니다.