Onramp Bitcoin Media The Banks Are Here: OCC Just Opened the Floodgates to Bitcoin
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Dec 15, 2025 Discover how recent OCC rulings are reshaping the landscape for banks entering digital assets. Explore the surge in stablecoin demand and how banks are evolving in custody services. The podcast dives into the partnerships between banks like PNC and Coinbase, as well as the behavioral dynamics influencing crypto adoption. Tune in for insights on the cultural impact of big-tech adopting stablecoins, and predictions on the future of financial products as traditional and digital spaces converge.
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OCC Approvals Signal Institutional Shift
- The OCC approved banks acting as crypto transaction intermediaries and greenlit five national trust charters for crypto firms.
- This federal endorsement signals a major institutional shift that lowers adoption frictions and expands custody credibility.
Banks Bring Distribution, Not Just Custody
- Banks entering crypto will drive mass adoption because most Americans prefer buying assets through existing banks or brokerages.
- Distribution and integration with other financial services make incumbents formidable competitors to crypto-native firms.
Check The Compliance Boxes First
- Use incumbent brand trust and regulated custody as key selling points when onboarding mainstream clients.
- Check compliance boxes like bank charters and audited custody to win conservative institutional allocations.