MAROKO133 Eksklusif crypto: OCC Approves Five Crypto Trust Banks as ‘Debanking’ Claims Fac

📌 MAROKO133 Eksklusif crypto: OCC Approves Five Crypto Trust Banks as ‘Debanking’

The OCC today conditionally approved five digital asset-oriented companies for national trust bank charters, signaling a measured but tangible expansion of crypto firms into the federal banking system.

The decision challenges claims from parts of the banking industry that crypto cannot comply with regulatory standards. However, it also complicates the sector’s own narrative of a coordinated effort to cut it off from financial services.

The Five Firms Behind Approval

Alongside Ripple National Trust Bank, the Office of the Comptroller of the Currency (OCC) conditionally approved four additional digital asset-focused institutions, signaling a broader regulatory move rather than an isolated exception.

In addition to Ripple, the OCC approved a de novo trust bank application for First National Digital Currency Bank and authorized Circle, BitGo, Fidelity Digital Assets, and Paxos to convert from state charters.

All five approvals remain conditional, requiring each institution to meet specific operational, governance, and compliance standards before final authorization.

“New entrants into the federal banking sector are good for consumers, the banking industry and the economy,” said OCC Comptroller Jonathan Gould in a press release. “They provide access to new products, services and sources of credit to consumers, and ensure a dynamic, competitive and diverse banking system.”

The unifying factor across these firms is their business model and regulatory positioning within the financial system.

None of them intends to operate as a full-service commercial bank offering deposits or traditional lending products. Instead, they focus on custody, settlement, and digital asset infrastructure designed primarily for institutional clients.

For established players like Fidelity and Paxos, a national charter provides a single federal supervisor and nationwide authority. That shift replaces fragmented state-level oversight, simplifying regulatory engagement for institutional-scale operations.

For newer entrants such as Ripple National Trust Bank and First National Digital Currency Bank, the approvals open federal access without consumer banking exposure.

Taken together, the approvals suggest the OCC is not blocking crypto firms, but refining which models gain entry.

The Debanking Dispute Explained

The debate over crypto “debanking” has intensified over recent years, often framed as a standoff between regulators, banks, and digital asset firms.

Crypto industry leaders have repeatedly argued that banks, encouraged by regulators, systematically restricted access to basic financial services. This narrative gained traction under the label “Operation Choke Point 2.0,” drawing comparisons to past regulatory crackdowns closely attributed to former SEC Chair Gary Gensler.

Banks and regulators pushed back, arguing they made decisions based on risk management, compliance, and reputational concerns rather than ideology.

Those tensions resurfaced on Wednesday, when the OCC released preliminary findings from its review of alleged debanking by the largest US banks.

Debanking Was Real, But Limited

In its December 10 review, the OCC concluded that between 2020 and 2023, the nation’s largest banks engaged in debanking practices. 

The agency said banks made inappropriate distinctions among lawful businesses, restricting access or imposing heightened reviews driven by reputational concerns.

Digital asset activities were explicitly listed among the affected sectors, alongside firearms, energy, adult entertainment, and payday lending. 

However, the OCC’s framing is narrower than the industry’s “Operation Choke Point 2.0” rhetoric. The report focuses on bank-created policies and escalation processes, not a centralized directive ordering banks to cut off crypto firms. 

 That distinction matters for how this newly unfolding debate is interpreted.

Much of the period under review overlaps with the 2022–2023 crypto downturn and its spillover into banking. 

The review was released under Gould, who was appointed earlier this year by President Donald Trump. Gould framed the findings as part of an effort to limit “weaponized” finance and reputational-risk-driven exclusions.

Against that backdrop, the OCC’s conditional approvals for five crypto-oriented trust banks complicate claims of ongoing systemic exclusion. 

Even as banks and trade groups warn of regulatory asymmetry, the approvals indicate that federal access is expanding for compliance-focused trust bank models.

The post OCC Approves Five Crypto Trust Banks as ‘Debanking’ Claims Face…

🔗 Sumber: www.beincrypto.com

📌 MAROKO133 Hot crypto: Shiba Inu Price Prediction: SHIB Community Hit With Major

The Shiba Inu price has rebounded by 3% in the past 24 hours, moving back up to $0.000008444 as buyers take advantage of discounted prices today.

Despite this gain, SHIB remains down by 1% in a week, 14% in a month, and by 71% in the past year, not to mention by 90% since its 2021 all-time high of $0.00008616.

These declines come as the Shiba Inu community warns of scammers impersonating developers and admins, and sending fake bug warnings in order to steal tokens.

However, such scams have long been a part of the crypto ecosystem, and they shouldn’t have an impact on the Shiba Inu price prediction, which now looks very positive after a period of overselling.

Shiba Inu Price Prediction: SHIB Community Hit With Major Scam Warning – Is This a Sign of What’s Coming in 2026?

Posting on X, the Susbarium account – which watches out for scams and security threats – warned that it has detected scammers operating on Discord and Telegram, where they would send direct messages to potential victims.

The aim would be to coax targets into clicking on malicious links, where they would potentially enter wallet info, which the criminals would then use to steal crypto.

The same Susbarium account also warned in November of similar scammers operating on X, again impersonating admins and tech leads in order to trick people into thinking that they needed to take action to rectify wallet bugs.

While this may point to an alarming trend, scams are sadly a regular feature of the crypto landscape, and data from Chainalysis suggests that scams are growing across the board, affecting not only Shiba Inu.

And if we look at the Shiba Inu price chart today, we see that it could be at the beginning of a big corrective upswing.

For instance, its MACD (orange, blue) has been in negative territory since late September, but is now rising towards 0 and should turn positive very soon.

This could spark a breakout, something which the descending pennant above also suggests.

Because the Shiba Inu price has been trading within an increasingly narrow range, it’s nearing a point where it may have to make a big move, presumably upwards.

The market’s general mood has improved this week, if only because the Federal Reserve cut rates on Wednesday and also signalled that 2026 will bring at least one other cut.

Assuming a gradual increase in sentiment, the Shiba Inu price could return to $0.000010 by the end of the year, before reaching $0.000030 by Q2 2026.

Layer-Two Network Bitcoin Hyper Raises $29.3 Million in Presale: Could It 100x in 2026?

If some traders are unconvinced that the Shiba Inu price will ever get near its record high again, they may want to find alternatives.

There’s currently no shortage of new tokens and projects appearing on the market, but one of the most promising is Bitcoin Hyper ($HYPER), a new layer-two network for Bitcoin.

It’s currently holding its presale, which has now raised a total of $29.3 million from eager investors, who are betting that Bitcoin Hyper will be one of next year’s biggest new coins and platforms.

What sets Bitcoin Hyper apart from 99% of other new tokens and presale coins is that its fundamentals are hugely promising.

By developing and launching an L2 for Bitcoin, it could attract massive adoption and usage, especially from Bitcoin holders looking to put their BTC to work in a DeFi context.

Bitcoin Hyper aims to grow a thriving ecosystem of DeFi apps and protocols, which investors will be able to use to lend, borrow, and trade with bridged Bitcoin.

On a technical level, it will make use of Solana’s Virtual Machine and zero-knowledge proofs, providing a level of scalability, security, and privacy that few L2s can match.

Given that Bitcoin does not yet have a fully fledged L2, it could witness significant uptake, which could lead to strong demand for the native token HYPER.

And investors can buy HYPER early by going to the coin’s official website, where it’s available at $0.013415.

This price will rise in just under two days, while the success of its sale would indicate that it will rise much higher once it lists.

Visit the Official Bitcoin Hyper Website Here

The post Shiba Inu Price Prediction: SHIB Community Hit With Major Scam Warning – Is This a Sign of What’s Coming in 2026? appeared first on Cryptonews.

🔗 Sumber: cryptonews.com