Coinbase получила полную лицензию национального трастового банка OCC на хранение криптоактивов институциональных клиентов

BSC News · 2026-11-09T11:44:12.000Z

@Coinbase получила от Управления контролёра денежного обращения США (OCC) полную лицензию национального трастового банка, переведя свой бизнес по хранению активов институциональных клиентов под федеральный банковский надзор. Это решение расширяет действие условного разрешения, полученного биржей в апреле. Согласно данным OCC о лицензировании, Coinbase National Trust Company завершила процесс получения лицензии 6 ноября 2026 года после предварительного одобрения в апреле. Заместитель председателя Coinbase Райан ВанГрак сказал, что это решение подтверждает стремление компании к чётким правилам и строгому надзору.

@Coinbase has received a full national trust bank charter from the US Office of the Comptroller of the Currency (OCC), moving its institutional custody business under federal banking supervision. The approval upgrades the conditional clearance the exchange received in April.
According to the OCC's licensing records, Coinbase National Trust Company completed its chartering process on Nov. 6, 2026, following preliminary approval in April. Coinbase Vice Chairman Ryan VanGrack said the approval puts more of the business behind the company's commitment to clear rules and rigorous oversight.
What the Charter Allows
Under the charter, Coinbase National Trust Company can provide fiduciary digital asset custody services, primarily to institutional customers. The entity can offer federally regulated custody and payment services, but will not operate as a full-service bank that accepts deposits and issues loans. Although the trust bank can facilitate customer access to staking, prime trading and financing services, the OCC's decision specifies that Coinbase affiliates will provide those products.
The charter should not be confused with a commercial banking licence. It does not cover retail deposits, lending or fractional reserve banking. Coinbase also keeps its existing New York state trust charter and its BitLicense. Plans call for the existing custody business to be transferred to the national trust entity over three years.
The charter also does not automatically bring direct access to central bank payment rails. The federal license does not automatically provide direct access to Federal Reserve payment systems. That requires a separate process under the Federal Reserve's account access guidelines, which assess eligibility and financial, operational and settlement risks.
Industry Context and Legal Challenge
Coinbase was among many crypto firms to pursue federal trust-bank status, a trend that accelerated after the GENIUS Act cleared a path for federal trusts to issue compliant stablecoins. Last month, the OCC also granted Ripple a full trust charter.
The approvals face opposition from traditional banks. The Independent Community Bankers of America has sued the OCC, claiming it overreached its authority in granting trust charters to crypto firms.
For Coinbase, the practical effect is regulatory. The largest US crypto exchange can now run its custody business under a federal banking regulator instead of relying only on a state license. The charter brings federal oversight to a custody operation that held $245.7 billion in institutional assets as of mid-2025.
Sources
crypto.news: Coinbase wins full US banking approval, but with key restrictions
Cryptonews: Coinbase gets full U.S. trust charter from federal banking regulator
Coinbase: Conditional OCC approval announcement