According to CoinDesk, the latest Bank of America report states that the US banking industry is moving towards a multi-year on-chain transformation as crypto regulation in the United States moves from discussion to implementation. The Office of the Comptroller of the Currency (OCC) has granted conditional National Trust banking licenses to five digital asset companies, marking the beginning of the acceptance of stablecoins and crypto custody at the federal level.
The FDIC is expected to release proposals for payment stablecoin regulation this week. According to the GENIUS Act, the relevant rules need to be completed by July 2026 and take effect in January 2027. Federal Reserve officials also said they are working with other banking regulators to develop capital, liquidity and diversification standards for stablecoin issuers.
The report also mentions that JPMorgan Chase and Singapore's DBS Bank are exploring an interoperable framework for tokenized value transfer on public and permissioned blockchains. Bank of America forecasts that in the future, bonds, stocks, money market funds, and cross-border transfers may migrate to the blockchain, which will require banks not only to be familiar with blockchain technology, but also to be willing to experiment with tokenized assets and on-chain settlements.
Bank of America report: Crypto regulation is in place, and banks are accelerating towards an on-chain future
2025-12-16 01:58:05
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