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 blockchain infrastructure, this portal explores how digital assets are reshaping payments, custody, compliance, and more. Whether you're building strategy or managing risk, our crypto coverage helps financial leaders stay ahead of disruption.

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.

Bitcoin

Financial institutions, government still wary of crypto

Employees in the financial industry and public sector are considerably more worried about the risks posed by digital currency than those in the cryptocurrency field, a new survey finds.

By Brendan Pedersen
Reporter

September 29
Blockchain

Digital, blockchain payments can fill gaps in financial services—but are no replacement

The conversation around advancing the distribution and use of digital currency gets a boost every time the banking system stubs its toe. And there have been many recent examples of financial system problems to point to.

By David Heun
Associate Editor

September 23
Digital currencies

Banks can hold stablecoin-related assets for customers, OCC says

The agency issued an interpretive letter on stablecoins two months after permitting institutions to provide wallet services for cryptocurrency holdings.

By Brendan Pedersen
Reporter

September 21
BankThink Marketing fintech is as much about compliance as sales

To find a balance between the requirements of the regulator and the tasks of promoting and growing the product, the marketer has to understand the intricacies of compliance and all of the in and outs, says Aximetria's Dmitry Ryzhkov.

September 21

Dmitry Ryzhkov

Aximetria.
Fintech

Crypto exchange Kraken receives Wyoming bank charter

The company, which left New York in 2015 to avoid its regulations on virtual currencies, has found a more welcoming state.

By Penny Crosman
Executive Editor, Technology at Arizent

September 16
BankThink Crypto and blockchain cut the clutter for e-commerce

Blockchain's cross-border power eliminates the intermediary and solves the problem of rendering the traditional processing system redundant, and processes the payment on a chain with no middleman intervention, says ForumPay's Joshua Tate.

September 11

Joshua Tate

ForumPay
Bitcoin

Naspers-backed Crypto Luno acquired by Digital Currency Group

Naspers Ltd.-backed cryptocurrency exchange Luno has been acquired by New York-based digital asset investment firm Digital Currency Group, according to a company release seen by Bloomberg.

September 9

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

Is crypto still relevant after recent market volatility?

Yes — especially for regulated institutions. Crypto markets may be volatile, but underlying blockchain infrastructure continues to attract investment and regulatory scrutiny. Banks are investing in long-term use cases, not short-term speculation. The focus is on efficiency, transparency, and fitting new technology into existing financial systems.

Who contributes to American Banker’s crypto coverage?

Our reporters and editors have deep experience in financial regulation, payments, and fintech. We regularly interview bank executives, technologists, regulators, and policy analysts — bringing you real-world insights that matter to institutions.

Can American Banker crypto insights be shared in boardrooms and risk committees?

Yes. Our reporting is regularly cited by bank leaders, shared in investment decks, and used to support internal discussions on innovation, risk appetite, and digital transformation. For redistribution, see our licensing terms.

How do I stay up-to-date on the latest crypto news?

We update our crypto coverage regularly — in response to breaking regulatory moves, major institutional adoption, and industry shifts. Check back daily or subscribe to our newsletters to stay current. Coverage includes interviews with banking leaders, policy updates from Washington, and analysis of the latest technology pilots. As crypto continues to evolve, our reporting helps financial professionals track what matters most.

What are the key crypto-related themes to watch right now?

Banks are keeping a close eye on the growth of stablecoins, tokenized deposits, and how blockchain is being used to streamline payments and settlement. At the same time, regulatory decisions around custody, licensing, and compliance are shaping what’s possible in the months ahead.