● FDIC Ripple XRP Bank Invasion

Strategies for Entering the Digital Asset Market Based on FDIC’s Eased Cryptocurrency Regulations

1. Summary and Key Points of FDIC’s New Guidance

Thanks to the recently announced FDIC FL 7-2025 guidance, banks in the United States can now enter cryptocurrency-related businesses without prior approval.
The significant change is that operations are possible as long as internal control standards are met.
The key point is the shift to a deregulation policy, moving away from the pre-notification regulations introduced in 2022.
The cryptocurrency market is expected to become more active as banks can freely operate thousands of cryptocurrency-related services.

2. Policy Changes Over Time and Their Context

• Early 2020 to 2021:
  – The OCC (Office of the Comptroller of the Currency) issued open and favorable guidelines related to cryptocurrencies and blockchain.
  – At the time, the cryptocurrency and digital asset markets showed rapid growth.
• November 2021:
  – Existing easing policies were canceled, and a conservative transition policy requiring banks to obtain prior approval was announced.
  – Market anxiety was briefly created at this time.
• March 2025 (Announcement of FL 7-2025):
  – The FDIC once again adopted a flexible approach, allowing participation in cryptocurrency-related businesses without prior approval.
  – In conjunction with this, the OCC’s 1183 interpretation continued, and the overall trend of deregulation was re-emphasized.

3. Changes in FDIC Guidance and Bank Operations

The complex prior approval procedures previously required when banks conduct cryptocurrency and blockchain businesses have disappeared.
Instead, regulations have been changed to allow entry into the digital asset business as long as internal control standards are met.
This policy change by the FDIC is not just a simple deregulation, but a major trend of establishing sound risk management and supervision systems.
As such, U.S. financial authorities aim to embrace innovation while maintaining economic stability.

4. Future Market Outlook and Key Economic Messages

Now that banks are freer to enter the cryptocurrency and digital asset markets,
Market competition is expected to intensify and provide investors with a variety of options.
If a sustainable supervisory system is established in parallel with policy easing,
The cryptocurrency market is expected to have not only a short-term boom but also long-term stability.
Policies and markets interact and influence each other,
The FDIC’s approach is expected to increase market confidence and act as a positive catalyst for the overall global economy.

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Digital Asset Market Led by Blockchain Innovation

*Source : [서울경제TV] FDIC X 리플(XRP) 콜라보…”은행 진출의 서막”