OCC (Office of the Comptroller of the Currency)
institutionMoney & Finance · Crypto & Digital ID
A federal banking regulator quietly opened the door for crypto companies to operate inside the official banking system.
Who they are
The Office of the Comptroller of the Currency (OCC), the US federal banking regulator.
What they do
It granted the first foothold for a digital-asset firm inside the federal banking perimeter and then rewrote a rule to widen that door.
How it works
On December 12, 2025 it gave Ripple National Trust Bank a conditional charter, and on April 1, 2026 it amended a regulation (12 CFR 5.20) to remove wording around 'fiduciary activities,' explicitly letting national trust banks offer non-fiduciary custody accounts, the precise legal path for running stablecoins at enterprise scale.
Why it matters
It marks the moment crypto and stablecoin operations got a legal on-ramp straight into the mainstream US banking system.
The engine's record — word for word
US federal banking regulator. Granted Ripple National Trust Bank conditional charter Dec 12 2025 — first digital-asset entity inside federal banking perimeter via OCC. April 1 2026 amendment to 12 CFR 5.20 removed "fiduciary activities" textual ambiguity, explicitly permitting national trust banks to offer non-fiduciary custody accounts (precise legal mechanism for enterprise-scale stablecoin operations).
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