{"id":3086,"date":"2021-01-08T00:00:00","date_gmt":"2021-01-08T00:00:00","guid":{"rendered":"https:\/\/xcoins.com\/blog\/us-banking-watchdog-says-banks-can-use-public-blockchains-and-stablecoins-for-payments\/"},"modified":"2024-01-11T14:41:52","modified_gmt":"2024-01-11T14:41:52","slug":"us-banking-watchdog-says-banks-can-use-public-blockchains-and-stablecoins-for-payments","status":"publish","type":"post","link":"https:\/\/xcoins.com\/en\/blog\/us-banking-watchdog-says-banks-can-use-public-blockchains-and-stablecoins-for-payments\/","title":{"rendered":"OCC: Banks Can Use Public Blockchains and Stablecoins for Payments"},"content":{"rendered":"\r\n

The cryptocurrency sector has been given a boost with news that the leading US banking regulator has paved the way for banks and savings associations to use blockchain.<\/em><\/p>\r\n\r\n\r\n\r\n

In a huge breakthrough for Bitcoin, the top US banking regulator has confirmed that national banks and savings associations can use public\u00a0blockchains<\/a>\u00a0and\u00a0stablecoins<\/a>\u00a0for payment activities.<\/p>\r\n\r\n\r\n\r\n

The Office of the Comptroller of the Currency (OCC) has taken the step of publishing an interpretive letter clarifying national banks\u2019 and saving associations\u2019 authority to participate in independent node verification networks (INVN) \u2013 such as blockchains \u2013 and \u201cuse stablecoins to conduct payment activities and other bank-permissible functions\u201d.<\/p>\r\n\r\n\r\n\r\n

Removing uncertainty<\/strong><\/h2>\r\n\r\n\r\n\r\n

Acting comptroller of the currency Brian Brooks said the letter had the effect of removing \u201cany legal uncertainty about the authority of banks to connect to blockchains as validator nodes and thereby transact stablecoin payments on behalf of customers who are increasingly demanding the speed, efficiency, interoperability, and low cost associated with these products.\u201d<\/p>\r\n\r\n\r\n\r\n

The OCC supervises approximately 1,200 national banks, federal savings associations, and federal branches of foreign banks that conduct in the region of 70 per cent of all banking business in the US.<\/p>\r\n\r\n\r\n\r\n

Brooks added that while governments in other countries have built real-time payments systems, the US \u201chas relied on our innovation sector to deliver real-time payments technologies.\u201d He continued: \u201cSome of those technologies are built and managed by bank consortia and some are based on independent node verification networks (INVN) such as blockchains.\u201d<\/p>\r\n\r\n\r\n\r\n

The OCC letter concluded that a national bank or federal savings association may \u201cvalidate, store, and record payments transactions by serving as a node on an INVN.\u201d<\/p>\r\n\r\n\r\n\r\n

It added that a bank may use INVNs and related stablecoins to carry out other permissible payment activities. \u201cIn deploying these technologies, a bank must comply with applicable law and safe, sound, and fair banking practices,\u201d the letter said.<\/p>\r\n\r\n\r\n\r\n

Boost for Bitcoin<\/strong><\/h2>\r\n\r\n\r\n\r\n

The announcement has been broadly welcomed as a massive boost for the cryptocurrency industry. Circle CEO Jeremy Allaire said the interpretive letter established that banks can \u201ctreat public chains as infrastructure similar to SWIFT, ACH and Fedwire, and stablecoins like USDC as electronic stored value. \u201cThe significance of this can\u2019t be understated,\u201d he added.<\/p>\r\n\r\n\r\n\r\n

Allaire continued: \u201cDecentralized, permissionless, open-source and internet-mediated software is literally becoming the foundation for not just the US financial system but for the global economy. It also sets the stage for more regulated financial institutions to run blockchain nodes, and even become validators.\u201d\u00a0<\/p>\r\n\r\n\r\n\r\n

As blockchain continues to become more trusted by banks, institutions and institutional investors the case for holding cryptocurrency grows ever stronger.<\/p>\r\n\r\n\r\n\r\n

To stay up to date on all things crypto, like Xcoins on<\/em>\u00a0Facebook<\/em><\/a>,\u00a0follow us on<\/em>\u00a0Twitter<\/em><\/a>\u00a0and enter your email address at the bottom of the page to subscribe.<\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"

The cryptocurrency sector has been given a boost with news that the leading US banking regulator has paved the way […]<\/p>\n","protected":false},"author":17,"featured_media":1965,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[739,740],"tags":[463],"class_list":["post-3086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news-2","category-market-analysis-2","tag-blockchain"],"yoast_head":"\nPublic Blockchains & Stablecoin Oked for Bank Payments I Xcoins<\/title>\n<meta name=\"description\" content=\"In a huge leap forward for crypto the US banking watchdog has come out for crypto and blockchain in banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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