The Office of the Comptroller of the Currency granted final approval for New York-based Ripple National Trust Bank on October 26, 2026

Comprehensive legal regimes for digital assets, such as the EU's MiCA and proposed US market-structure bills, defining how tokens are issued, traded, and supervised.

Rules for who may hold digital assets on behalf of others and how, covering qualified custodians, banking charters, and the accounting treatment of custodied crypto.