#Ripple等5家加密公司获美国银行牌照批准 Local time on December 12, 2025, the Office of the Comptroller of the Currency (OCC) granted conditional approval for national trust bank charters to five cryptocurrency companies: Ripple, Circle, BitGo, Fidelity Digital Assets, and Paxos. This move pushes cryptocurrency assets further into the traditional banking system, with specific details as follows:
1. Approved entities and positioning: Ripple is approved to establish Ripple National Trust Bank, with its stablecoin RL USD to be subject to dual federal and state regulation; Circle's corresponding approved entity is First National Digital Currency Bank, which will be used for stablecoin and institutional custody services; BitGo, Fidelity Digital Assets, and Paxos are approved to transition from state trust companies to national trust banks, focusing on services related to digital asset custody, settlement, and more. However, these institutions are not allowed to engage in traditional banking activities such as accepting deposits or issuing loans.
2. Significance of approval: This marks the first time the cryptocurrency industry has received such federal-level banking license approvals, meaning these companies can obtain federal regulatory channels equivalent to traditional financial institutions, breaking previous geographical restrictions associated with state licenses and enabling national operations. This also brings core areas of the cryptocurrency market, such as stablecoins and institutional custody, under federal regulation, setting a benchmark for industry compliance. For example, Circle's USDC stablecoin reserve regulation will be clearer, facilitating the expansion of institutional partnerships.
3. Subsequent processes and industry controversies: Currently, the approvals for the five companies are only preliminary licenses, and they need to pass additional reviews to obtain final authorization. Previously, several U.S. banking associations opposed such applications, claiming they could give cryptocurrency companies a competitive advantage while evading equivalent regulatory pressures; Ripple's CEO countered that traditional banking lobbying groups are attempting to obstruct the integration of cryptocurrencies into the compliant financial system, emphasizing that this approval is a significant breakthrough in the compliance sector. $BTC
