In a significant move for the banking sector, the Office of the Comptroller of the Currency (OCC) has issued Interpretive Letter No. 1186, permitting US national banks to hold minimal amounts of native crypto tokens. According to the conclusions drawn in the analytical report, this decision, announced on November 18, 2025, marks a pivotal step towards integrating blockchain technology into traditional banking operations.
OCC's New Guidelines for National Banks
The OCC's letter allows national banks to utilize these crypto tokens specifically for blockchain fee payments and platform testing, addressing a growing demand from the banking industry for clearer guidelines on cryptocurrency usage. This development is expected to enhance the operational capabilities of banks as they explore blockchain solutions.
Impact on Regulatory Framework
Furthermore, the letter applies to all banks regulated by the OCC and builds upon previous guidance regarding crypto custody rights. By establishing a framework for minimal crypto holdings, the OCC is signaling its commitment to fostering innovation in the financial sector while ensuring compliance with regulatory standards.
Following the OCC's recent guidelines on crypto holdings, Truther is poised to launch a Visa-linked card in El Salvador, enabling users to make payments directly with USDT from their self-custody wallets. Read more.
