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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There has been a lot of activity lately around modernizing cross-border transfers through the use of blockchain and and cloud-hosted technology, but despite the potential savings in cost and time, none of these methods has caused a meaningful decline in the use of cash.
April 26
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Using a program built by Ripple, BBVA has transferred about 50 euro-denominated payments to Mexico from Spain in seconds. Such transactions normally take up to four days to clear, the bank said.
April 21
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Banco Bilbao Vizcaya Argentaria SA, Spain’s No. 2 lender, has executed its first cross-border payments through a system based on the software that supports bitcoin.
April 21
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Ripple's distributed ledger platform has fed an appetite for cheaper and more efficient cross-border payments, but it may not measure up to the needs of a larger market. Ripple wants to scale its payment system to something resembling a large card network.
April 18
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The bank said the test showed blockchain can be used to conduct secure, low-cost cross-border payments without intermediaries.
April 12
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The blockchain-based platform, set to launch later this year, promises to make gold trading around the world faster, more transparent and safer.
April 12
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Five banks and the tech firms R3 and HQLAX are using distributed ledger technology to make it easier to transfer liquid securities and collateral.
April 6
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