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 financial services firm based in Houston tried to buy a Chicago community bank three years ago as part of a plan to offer traditional banking and digital asset services on one platform. With Illinois state approval secured, it now awaits a decision from the Fed.
November 17
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BNY estimates the market for stablecoins, tokenized deposits and other assets will reach a combined value of $3.6 trillion in four years, while Standard Chartered says the entire banking industry will soon be "tokenized." The trend is creating pressure to update strategies and technology.
November 17
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The government shutdown is over, and Congress gets back to its regular business. For banks, the biggest-ticket issues are ongoing deliberations on raising deposit insurance and shaping a crypto market structure bill.
November 13
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Federal Deposit Insurance Corp. acting Chair Travis Hill said Thursday morning that the agency's first proposed rules under recently passed stablecoin legislation should be published by the end of the year.
November 13
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Federal Reserve Gov. Christopher Waller said Wednesday that the central bank will soon issue a request for information on a nascent proposal to offer "skinny" payment accounts to eligible institutions and is aiming to finalize a rule by the fourth quarter of 2026.
November 12
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The company appears to be the first nationally chartered bank to offer crypto trading and traditional banking in the same app.
November 11
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Crypto is slowly but surely being integrated into the banking applications consumers trust and use every day. It's not the crypto revolution purists imagined, but it's very good news for consumers and bankers alike.
November 7
The first three months of the year coincide with the start of President Donald Trump's second term in office. Investors are likely to be more interested in banks' outlooks amid swings in tariff policy than the first-quarter results.
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