Coinbase wins full US federal trust bank charter from the OCC
Coinbase said on November 9 that US bank regulator the OCC gave final approval to its Coinbase National Trust Company, seven months after a conditional nod.
Evento: 6 de novembro de 2026
Fonte primária: 9 de novembro de 2026
Publicado aqui: 9 de novembro de 2026 às 12:56 UTC
Ler: 2 min
O que aconteceu
On November 9 Coinbase said the Office of the Comptroller of the Currency (OCC) gave final approval on Friday, November 6, to charter Coinbase National Trust Company. It got conditional approval in April. This is a trust bank charter: custody and payments, but no deposits and no loans.
Por que importa para você
Coinbase is the biggest US crypto exchange and a major custodian for funds and institutions. Its custody now runs under one set of federal rules, not only a New York state licence. Ripple got the same full charter in October.
O que conferir e observar
Watch the ICBA bank group's lawsuit against the OCC, which challenges its power to grant these charters to crypto firms. And watch which services Coinbase moves into the new company. This is an overview, not advice.
Onde está acontecendo
LIVEArraste para girar. Pontos verdes: a bolsa está negociando agora (horário normal, sem contar feriados). Sombra: onde agora é noite. Fronteiras: Natural Earth, terremotos: USGS. Ideia das camadas: God’s Eye View (MIT).
What happened. In a Coinbase blog post on November 9, Rick Schonberg, head of prime trading and custody, wrote that the OCC approved the charter for Coinbase National Trust Company last Friday. The OCC is the US federal regulator of national banks. CoinDesk says the company got conditional approval in April 2026, then spent months building compliance systems, hiring and going through review.
What the charter allows. This is a national trust bank. CoinDesk explains that it can offer federally supervised custody and payments services, but it does not act as a full bank: no deposits and no loans. Coinbase says the charter lets it grow its custody business under one federal framework.
What came before. Coinbase has held a New York BitLicense since 2017, and its Coinbase Custody Trust Company has had a New York limited purpose trust charter since 2018. The company says it builds on that work with the NYDFS regulator.
Context. Ripple won a full OCC trust bank charter in October. American Banker says the OCC has approved or conditionally approved nearly two dozen such charters in the second Trump administration, more than a dozen of them for crypto firms. Meanwhile the Independent Community Bankers of America (ICBA) has sued the OCC, arguing it oversteps its authority by granting these charters to crypto companies.
Fatos confirmados
- The OCC gave final approval on Friday, November 6, 2026, to charter Coinbase National Trust Company; Coinbase announced it on November 9.[1][2][3]
- The company received conditional OCC approval in April 2026.[2]
- The charter allows federally supervised custody and payments services, but not taking deposits or making loans like a full bank.[2]
- Coinbase has held a New York BitLicense since 2017, and Coinbase Custody Trust Company has had a New York limited purpose trust charter since 2018.[1]
- Ripple received a full OCC trust bank charter in October 2026.[2]
- The OCC has approved or conditionally approved nearly two dozen national trust bank charters in the second Trump administration, more than a dozen of them for crypto firms.[3]
- The ICBA has sued the OCC over granting trust charters to crypto firms.[2]
Implicações
- ConfirmadoCoinbase's institutional crypto custody now runs under federal bank supervision.
- Nossa leituraFunds and banks that need a federally chartered custodian may find Coinbase an easier pick. This is our reading.
- Nossa leituraIf the ICBA wins in court, crypto firms' trust charters could be put in doubt. This is our reading.
Ainda não se sabe
- Which services and clients Coinbase will move into the new trust company, and when
- How the ICBA lawsuit against the OCC ends
- Whether Coinbase will use the trust bank for stablecoins or reserves
Quem é afetado
United States. People who keep crypto on exchanges, follow COIN stock or US crypto rules
Fontes
- Coinbase: Coinbase launches National Trust Company with federally regulated, institutional-grade custody offering 9 de novembro de 2026 · oficial
- CoinDesk: Coinbase gets full U.S. trust charter from federal banking regulator 9 de novembro de 2026 · mídia
- American Banker: Coinbase gets final OCC charter approval 9 de novembro de 2026 · mídia
Capa: Gráfico de Freekonomist, uma imagem simbólica, não uma foto do evento. Este é um explicador de notícia, não recomendação financeira.
Mais matérias
BBAS3: Banco do Brasil stock drops over 10% as Q3 profit falls 66.5%
BBAS3, the Banco do Brasil share, fell more than 10% in early trade on 12 November after third-quarter profit dropped 66.5% to R$1.27 billion, farm-loan defaults rose and the bank cut its guidance and payout.
India inflation hits 6.09%, a two-year high above the RBI band
India's retail inflation rose to 6.09% in October from 5.54% in September, breaking above the central bank's 2-6% tolerance band. Food is the main driver, up 8.94%.
Serbia surprises with a rate hike to 6%, its first in over three years
The National Bank of Serbia raised its key rate by 0.25 points to 6% to stop costly energy from spreading to other prices. Economists polled by Bloomberg had expected a hold.
Morning brief by email
The night's key moves and what matters today, in 2 minutes. One-click unsubscribe.
BloFin
3M
7M
40M
60M
80M
250M