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多くのユーザーが、SECが試験計画を変更した後の新しい規制ニュースについて話しています。一部のトレーダーは、暗号通貨がもはや主要な焦点としてリストされていないため、これは大きな変化だと言っています。他の人々は、この動きが市場の他の部分に今もっと注意が必要であることを示していると考えています。人々がこれが広範な空間にとって何を意味するのかを理解しようとする中、チャットは活発です。
一部のユーザーは、ビットコイン$BTC とイーサリアム$ETH はこのニュースにもかかわらず安定していると指摘しています。トレーダーは、遅く穏やかな価格の動きが政策更新を監視し、それが将来のトレンドにどのように影響するかを理解するのを容易にすると言っています。少数のユーザーは、機関が協力すれば、より明確なルールが長期的な成長を助ける可能性があるとも述べています。

The shift in tone around digital assets inside the United States banking system has rarely felt as sharp or as symbolic as what just happened with the newest interpretive letter from the Office of the Comptroller of the Currency, and the way this single document resets the entire conversation is something that becomes clearer the more you sit with it. For years, banks stood on the sidelines trying to navigate a landscape where regulatory uncertainty was the biggest blocker to even the simplest crypto-related action, and the idea that a federally regulated bank could openly hold crypto assets on its balance sheet for operational use would have been considered impossible. Now, with interpretive letter No. 1186, the OCC is not only allowing it but framing it as a natural and permissible part of banking operations in a world where blockchain networks are becoming woven into the everyday infrastructure of payments and custody. This change reflects a deeper recognition that if banks are going to operate in a digital financial environment, they cannot do so without holding the very assets required to interact with those systems.

At the center of the update is something as unglamorous as gas fees, yet it is exactly that detail which highlights how profoundly the regulatory stance has shifted. Blockchains operate on native tokens for network transactions, and no matter how advanced a bank’s infrastructure becomes, it cannot send a transaction, settle an on-chain payment, or deliver custody services without paying those fees. The OCC now clearly states that banks can hold the digital assets they believe will be needed to cover those foreseeable operational gas costs, and this alone erases years of hesitancy, where even touching these assets risked regulatory pushback. It acknowledges that digital tokens are no longer speculative instruments in this context; they are functional tools required for the bank to perform the services it is explicitly allowed to offer under federal law, especially within the scope of the new GENIUS Act that outlines the modern framework for stablecoin-related activity.

What becomes even more interesting is how this guidance implicitly validates the idea that blockchain-integrated banking is not only coming but that it is expected to scale. The OCC is making it clear that if a bank needs to pay network fees on behalf of customers or inside its custody operations, then holding those assets is not some exotic deviation but a normal extension of banking duties. For an industry accustomed to years of “no,” “not yet,” or “we’re still evaluating,” this simple recognition represents one of the strongest signals yet that the U.S. regulatory infrastructure is shifting towards active alignment with digital asset usage, not suppression of it. Banks are no longer forced to structure around blockchain mechanics; they are now allowed to operate inside them.

That’s where the broader context becomes important. The GENIUS Act, passed earlier this year, is pushing federal agencies to develop the first comprehensive U.S. regulatory regime for stablecoins, and the work underway by the Federal Reserve, FDIC, and Treasury signals a future where stablecoin issuers and the banking system coexist under uniform rules. While those rules are still being drafted, what the OCC just did is bridge the gap by clarifying what banks are permitted to do right now. It’s a recognition that banks should not be frozen out of the technological rails they will soon be expected to operate on. They need to be able to move tokens, custody them, settle them, and pay for the gas fees that come along with that activity. If stablecoin payments are going to become an official part of the U.S. financial system, then banks must be able to fully interact with the networks powering them.

But the timing of the guidance is equally historic. After years of caution under previous administrations, the OCC’s posture has changed rapidly with the arrival of a pro-crypto White House and regulators who view blockchain networks as critical infrastructure rather than an experimental niche. Jonathan Gould, Trump’s OCC appointee confirmed in July, has wasted no time in reshaping the landscape, and this letter marks one of the clearest breaks from the past. Instead of vague restrictions and quiet discouragement, the OCC is openly acknowledging that banks must be equipped to engage with digital assets if they want to serve customers in a modern financial environment. It’s not an endorsement of speculation, and it’s not a green light for banks to dive into full-scale crypto investing; rather, it is a formal acceptance that blockchain-based operations require blockchain-based tools, and the banks must be allowed to handle those tools responsibly.

This clarity also puts pressure on the rest of the regulatory apparatus. For years, banks hesitated to experiment with on-chain operations, not because of technical barriers but because taking even a small step risked conflicting guidance from overlapping agencies. Now, with the OCC firmly establishing what is permissible, banks have a stable foundation to begin building the operational structures needed to support custody, tokenized assets, and blockchain settlement. It pushes all the other regulators toward alignment, and by the time the full stablecoin framework is finalized under the GENIUS Act, the groundwork inside the banking sector will already be in motion.

What’s striking is that the OCC specifically emphasizes foreseeability, a subtle yet powerful phrase that changes everything. It means a bank does not need to justify holding crypto assets through complex predictions or speculative modeling; it only needs to demonstrate that those assets are realistically needed to perform its upcoming operations. If a bank anticipates processing transfers on Ethereum, it can hold ETH for gas. If it expects to settle stablecoin transactions on a particular network, it can hold the network’s native token. It transforms what used to be a gray regulatory area into a straightforward operational rule: if the bank must pay gas to perform a permitted service, then holding that gas asset is allowed.

This unlocks a level of operational planning that large financial institutions have been waiting for. Suddenly, banks can design blockchain-integrated workflows, not as experiments or pilot programs but as scalable, regulator-approved offerings. It also opens the door for broader institutional adoption of blockchain settlement, because banks can now build infrastructure around predictable access to required tokens rather than maintaining awkward workarounds. This alone is likely to accelerate the development of enterprise-grade crypto custody, tokenized settlement layers, and more seamless digital payments rails inside traditional banking systems.

The political backdrop adds another layer of momentum. The shift from skepticism to active integration, driven by a pro-crypto administration, creates a tailwind for every institution that has been waiting for a clear signal that engagement with blockchain is not only acceptable but expected. By reversing years of hesitation in a single interpretive letter, the OCC is telling banks: your operations can involve crypto assets, and the system will support you instead of penalizing you. That reassurance is the missing piece many institutions needed before investing serious resources into modernizing their infrastructure.

For the broader crypto industry, the significance is even larger than the narrow focus of gas fees might suggest. What we are witnessing is the beginning of structural normalization, where digital assets function not as external add-ons but as built-in components of banking operations. It also signals a regulatory trajectory where stablecoins, blockchain settlement, tokenized deposits, and on-chain custody become part of the standard banking toolkit rather than edge-case experiments. As rules continue to develop, banks will already be aligned with the model of holding necessary crypto assets as operational tools, and this baseline will open the door to wider and deeper forms of integration.

In short, the #OCC new guidance is not just a clarification about holding tokens for gas. It is a marker of where #US banking is headed, an acknowledgment that digital assets and blockchain networks are becoming part of the operational foundation of modern finance. It turns what was once a regulatory barrier into a functional pathway and shifts the entire tone of institutional engagement. And while the full stablecoin regulatory framework is still being crafted, this single letter sends a message that the transition has already begun. The banks now have the green light to step into a world where blockchain operations are simply part of banking, and the institutions that move early will be the ones shaping what that future looks like.