Behind the scenes, US banks are rebuilding core financial infrastructure so cash, custody and funds can move onchain under regulatory oversight.
US banks are prioritizing tokenized versions of familiar products, including deposits, funds and custody, rather than launching new crypto-native assets.
Most onchain bank activity is taking place in wholesale payments, settlement and infrastructure, largely out of public view.
Regulators are increasingly allowing crypto-related banking activities, but only within tightly supervised and risk-managed frameworks.
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