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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The SEC's pending requirement that securities trades settle within one day shouldn't be a problem for any modern financial firm. What we should be aiming for is real-time settlement.
May 23
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The bill spells out how the Securities and Exchange Commission can and can't address crypto custody at banks and is getting a wave of bipartisan traction on Capitol Hill. But some academics and consumer advocates are concerned that the legislation could allow banks to bypass regulations.
May 21
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The Bank for International Settlements' Innovation Hub is doing important work on integrating new technology into the global financial system. The next step is to bring both banks and nonbanks into the discussion.
May 21
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Banking experts said that none of the currently circulating stablecoin proposals adequately address concerns about the overlap between banking and commerce and how a stablecoin issuer would go through insolvency.
May 20
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Regulation and other factors are creating friction for banks and consumers that want to transact in crypto.
May 20
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The Senate Thursday joined the House in passing a resolution to overturn the SEC's SAB 121 accounting guidance for financial firms holding crypto in custody. President Biden has vowed to veto the measure.
May 16
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The Securities and Exchange Commission, having already approved spot bitcoin ETFs, ought to follow through and grant the same approval to spot ethereum funds. Doing so would create a new surge of investment, with positive economic impacts.
May 16
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