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.

Alternative lending

Crypto lenders push no-tax perk of leveraging bitcoin for cash

Since last fall, when the value of digital money plummeted, lenders have been pushing people who have paper profits to leverage them into cash by borrowing against their cryptocurrencies. And the fact that there's no tax bill on the transactions is a big selling point.

April 2
Bitcoin

Crypto pros say a 60-minute surge isn't enough to change minds

The rally that sent Bitcoin to its highest level since November lasted 60 minutes and may have started with an April Fool’s joke.

April 2
Mobile banking

USB's mobile app, BofA and Wells cool on blockchain, GSEs too big: Top stories of the week

Under the hood of U.S. Bank's new mobile app; BofA, Wells Fargo sour on blockchain; are Fannie and Freddie too big?; and more from this week's most-read stories.

March 29
Blockchain

BofA, Wells Fargo sour on blockchain

They haven't thrown in the towel yet, but comments by top executives at the two big banks suggested that their interest in finding financial services uses for distributed ledgers is wearing very thin.

By Kevin Wack
Banking Editor

March 28
Blockchain

Russia's richest man plans crypto tokens backed by palladium

MMC Norilsk Nickel PJSC and its billionaire chief Vladimir Potanin are planning several digital platforms, including using crypto tokens for trading palladium.

March 27
Payment cards

Yosemite's small-scale take on MCX uses blockchain instead of ACH

Blockchain technology provider Yosemite X is following the spirit of the mega-retailers' disbanded Merchant Customer Exchange (MCX) joint retailer venture, but on a local level.

By David Heun
Associate Editor

March 25
Bitcoin

Bitcoin critic warns against central banks issuing own tokens

One of Bitcoin’s sharpest critics highlighted the risks of central banks issuing their own digital currencies to the general public, saying it could undermine both financial stability and monetary policy-making.

March 22

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.