Coinbase received final approval from the Office of the Comptroller of the Currency to operate Coinbase National Trust Company, a national trust bank under federal supervision. The approval, announced on November 9, 2026, allows the company to provide regulated cryptocurrency custody and payment services, but not to accept deposits or make loans. The decision upgrades a conditional approval obtained in April 2026 into a full banking charter and places Coinbase’s institutional custody business under a unified federal framework. Coinbase now joins Circle and Ripple, which have secured their own federal banking charters, in a wave of approvals accelerated by the GENIUS Act adopted in July 2025.
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