Times change. Formerly, American banks, Fiat bastions, closed their doors to crypto societies, considering them too risky. But since Donald Trump's return to the White House, the lines are moving. The former president, now an engine of “crypto-political”, pushes his pawns even in the most conservative institutions. From now on, the Office of the Comptroller of the Currency (OCC), one of the major banking regulators in the United States, announces the end of “Debanking”. A major upheaval is taking shape: cryptos are no longer intruders, but hosts now tolerated in the banquet of traditional finance.
In short
- Jonathan Gould confirms that the Crypto Depanking exists and that it will gradually be dismantled in the United States.
- The occurrence applies the executive order 14331 signed by Trump to guarantee fair banking access.
- The Genius Act now facilitates the obtaining of banking charters for the stablecoins crypto issuers.
Dépanking Crypto: Gould breaks the taboo and Trump imposes his agenda
During a Coindesk event in Washington, Jonathan Gould, head of the OCC, recognized that the debanking of Crypto societies was very real, thus taking over a criticism already carried by Trump. This recognition sounds like a late confession and a turning point for the ecosystem, long marked by a two -speed system where financial exclusion served as a silent weapon against innovation.
Behind this break, a clear political will: that of Donald Trump. His signature of the Executive Order 14331, “Guarantee Fair Banking for All Americans”, gave mandate to the West to eliminate any banking discrimination based on Crypto activity. THE official press release is clear:
The occurrence takes measures to put an end to the instrumentalization of the financial system. We are working to eradicate banking activities that illegally exclude or discriminate customers because of their political or religious beliefs, or their legal activities. If and when the West identifies such a practice, it will take measures to end it.
Jonathan V. Gould – Source: West
In practice, the West is already investigating the nine largest banks in the country. Objective: to identify those which would have closed accounts without legal justification. A small revolution in the American banking landscape, where cryptos go from the status of parias to that of customers under regulatory protection.
Between innovation and prudence: the new bank situation
Jonathan Gould assures himSupporting the Crypto ecosystem does not mean sacrificing financial stability. According to him, innovation does not oppose the safety or the solidity of the system, provided that it is supervised with rigor.
Clearly, crypto and banking security can coexist, provided for clear rules and rigorous supervision.
In this context, the OCIT acts on several fronts. The waves of “Risk reputation” have been deleted from bank manuals. The regulator also works in the application of the Genius Act, which allows stable -co -emitters to more easily obtain a banking charter.
BSA/AML controls, often used as an excuse to block crypto actors, will be revised to avoid drifts.
This new climate already draws the attention of institutional investors. By implementing an understandable framework, the OCS seeks to reassure banks and funds, which hitherto hesitated to dive into the web3 universe. The idea is simple: less arbitrariness, more transparency, therefore more confidence.
Towards a crypto-friendly finance: a pivotal moment for the USA
This tilting is not limited to symbolism. Sector analysts already see it as a concrete turning point for the future of the markets. Crypto companies, long hampered by banking obstacles, finally obtain clear regulatory recognition.
It is in this context that Ryan Lee, Bitget chief analyst, underlines the importance of the moment:
Recognition by Jonathan Gould that “Dépanking Crypto is real” represents a pivotal moment for industry, validating the obstacles to which companies have long encountered to obtain reliable banking relations.
Some figures to remember:
- 9 major banks already targeted by the OCE for investigation;
- $ 239 M given by Elon Musk to support Trump's cryptocurrency campaign;
- $ 135 million injected via the FAIRSHAKE PAC to promote Pro-Crypto candidates;
- $ 21 million in BTC offered by the Winklevoss brothers in August 2025.
The United States is redrawing their relationship to cryptos under the leadership of Trump and the OCC. The government does not only act on regulation: it actively promotes technology from financial institutions. The Treasury, through the Fed, has already announced a reduction in its control over the banks active in the crypto. Between softened surveillance and supported encouragement, Washington installs the crypto at the heart of its economic future.
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