Crypto in Banking
Digital assets, tokenization, and the evolution of crypto in banking
American Banker delivers trusted, journalist-driven analysis on how banks are navigating the world of crypto. From regulatory updates to use cases for
American Banker highlights the areas where crypto is intersecting with core banking functions like compliance, settlement, and liquidity management. Our reporting avoids the hype and focuses on what matters to banks: oversight, infrastructure, and risk. Whether you're shaping strategy or monitoring market shifts, this is where the industry's crypto story takes shape.
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In its recently passed bill, Congress prohibited stablecoin issuers from offering interest, but left the door open to "rewards" from exchanges. That provision could drive adoption of stablecoins and compete for deposits, but experts say the technology would have a long way to go.
September 25 -
By encoding and decentralizing on-chain identity management, soulbound tokens enable institutions to streamline compliance while introducing a base for new services.
September 25
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The digital asset tech provider, which recently raised $140 million, will power Morgan Stanley's E*Trade crypto offerings early next year.
September 24 -
There's no designated lender of last resort for nonbank stablecoin issuers in either the recently-passed stablecoin bill or the crypto market structure bill being considered, which experts say could mean bailouts down the road.
September 24 -
St. Cloud Financial Credit Union will be issuing its own stablecoin at the end of this year, becoming one of the first U.S. credit unions to do so.
September 17 -
State regulator says blockchain tools are key to detecting money laundering and sanctions violations.
September 17 -
The Bank of England may cap ownership, drawing ire from crypto groups that claim that will hinder innovation.
September 17
Frequently Asked Questions:
How is American Banker’s crypto coverage different from crypto-native sites?
We don’t cover meme coins or speculative investing. Our editorial team reports from a banking-first lens — focusing on regulation, enterprise use cases, compliance, and tech partnerships involving banks, fintechs, and regulators.What are the main ways banks are engaging with crypto today?
- Digital payments innovation
- Cross-border payments using blockchain rails
- Tokenization of real-world assets (RWA) like treasuries and mortgages
- Compliance tech for crypto transactions and AML screening
- Partnerships with fintechs and exchanges










