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Key Takeaways
- The OCC logged digital-asset activity in 23 of its last 40 charter filings.
- Most applicants are targeting national trust charters rather than retail banking licenses.
- Fiduciary trust institutions generally do not hold consumer deposits or carry FDIC coverage.
- A conditional approval establishes operational requirements, not an immediate open door.
- The push shifts crypto’s core infrastructure directly under federal banking supervision.
The OCC put the 23-of-40 number on record
Crypto’s push into mainstream banking is no longer a collection of isolated corporate press releases. The Office of the Comptroller of the Currency revealed it received 40 applications for new bank charters over roughly the past 18 months, with 23 of those business plans incorporating digital-asset activities.
Comptroller Jonathan Gould highlighted the figure as an eightfold surge compared to new-charter filings over the previous four years.
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