The US Federal Deposit Insurance (FDIC) has issued a new guide that will allow supervised banks to participate in activities related to Bitcoin (BTC) and other cryptocurrency, without the need for prior approval.
According to the official statement, banks can carry out permitted activities if they assess the associated risks, such as markets, liquidity, cybersecurity, and money laundering.
Additionally, they need to be coordinated with supervisory equipment Ensuring compliance with existing regulations. This decision enforces the FIL-16-2022 standard, established in 2022, to obtain explicit permission before entering this field.
FDIC is responsible for overseeing thousands of banks – mostly small – guarantees stability in the US financial systemthis guide seems to want to adapt to the reality of new regulations in the United States.
Agents protect deposits and encourage public trust. This is a role that extends to the sector, which until recently faced significant regulatory barriers.
Trump administration impulse
The policy change comes after a series of positive actions by the Donald Trump government against Bitcoin and cryptocurrency.
From his arrival to power, The President has shown clear support for this sectoras reported by Cryptoics, promises to turn the United States into the “world’s cryptocurrency capital.”
This turn coincides with the creation of a working group for digital assets established by an executive order signed on January 23, 2025.
Among the group’s priorities are the creation of a Bitcoin National Reserve and the development of a regulatory framework that promotes innovation without ignoring user protection.
On his part, Bo Hies, director of the White House Digital Asset Council Advisor, celebrated the FDIC decision. “It’s a big win,” he said, adding that he represents “a great progress towards innovation and adoption” of the country’s cryptocurrency.
Beyond FDIC: Domino Effect
The scope of this change is not limited to FDIC. The Basic Product Future Negotiation Committee (CFTC) has also withdrawn its advice letter Distinguishing derivatives from digital assets from other similar products.
This review guarantees immediately a cryptocurrency linked derivative Get the same treatment as others and eliminate another barrier to companies in the sector.
This joint movement between regulators suggests a more friendly environment for cryptocurrency under the Trump administration.
However, this contrasts with the recent past. In February 2025, the release of 175 documents revealed the obstacles that banks faced during Joe Biden’s management to provide services with Bitcoin.
That resistance, known as “Operation Chalk Point 2.0,” was criticized by members of the cryptocurrency industry. As a deliberate effort to limit customer access to these assets.
The US regulators within the working group continue to work to broadcast more guides in the future. Among the pending issues are operations using stubcoin and cryptocurrency market structures. Areas where governments consider the key to balancing innovation and security.
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