Crypto.com Moves to Deepen U.S. Regulatory Alignment with OCC Charter Application

Crypto.com has filed a National Trust Bank Charter application with the Office of the Comptroller of the Currency (OCC), marking another major milestone in its mission to lead the digital asset sector through strong regulation, security, and consumer protection. The move underscores Crypto.com’s ambition to become a federally regulated trust bank capable of offering institutional-grade custody and staking services across multiple blockchain networks.

The application complements the company’s recent achievement of securing a MiFID license in Europe, further positioning Crypto.com as a compliance-first digital finance platform with global reach. Together, these milestones highlight its strategy to align digital asset innovation with robust oversight and investor confidence.

Investor Takeaway

Crypto.com’s OCC charter filing marks a pivotal step toward becoming a federally regulated trust bank — a move designed to attract institutional investors and strengthen market trust in digital asset custody.

Building a Federally Regulated Digital Custody Powerhouse

The proposed National Trust Bank Charter would allow Crypto.com to expand its U.S. operations under federal supervision, enabling the company to provide custody, staking, and asset management services to both retail and institutional clients. These services will cover a range of blockchain ecosystems, including Cronos — Crypto.com’s native chain — and other major digital asset networks.

By obtaining the charter, Crypto.com aims to position itself as a premier destination for Digital Asset Treasuries, Exchange-Traded Funds (ETFs), and corporate clients seeking compliant, secure, and scalable custody solutions. The move reflects growing demand from institutions for federally regulated digital asset infrastructure that offers both performance and protection.

“Building the Crypto.com product and service portfolio through regulated and secure offerings has been our focus since day one,” said Kris Marszalek, Co-Founder and CEO of Crypto.com. “We are excited to take this next step by filing for a National Trust Bank Charter and look forward to continuing to provide customers with the trusted services they require.”

Advancing Institutional Confidence and Regulatory Leadership

Crypto.com’s latest filing comes amid a broader push by digital asset companies to strengthen regulatory clarity in the United States. If approved, the National Trust Bank Charter would elevate Crypto.com into a select group of federally chartered entities authorized to offer custody and fiduciary services nationwide. This development aligns with its long-term mission to integrate traditional financial safeguards with cutting-edge crypto technology.

Importantly, this filing does not affect the operations of Crypto.com Custody Trust Company, which will continue to operate as a Qualified Custodian under the oversight of the New Hampshire Banking Department. The new charter will instead complement existing services by expanding Crypto.com’s regulatory footprint at the federal level.

Investor Takeaway

Crypto.com’s dual-track strategy — maintaining state-level trust operations while pursuing federal charter status — strengthens its multi-jurisdictional foundation and institutional appeal.

Why It Matters: Strengthening the Bridge Between Crypto and Traditional Finance

Crypto.com’s OCC charter application represents a decisive step in bridging the gap between decentralized finance (DeFi) and regulated banking. The move could enable seamless integration between fiat and digital assets while ensuring compliance with U.S. banking standards — a key requirement for institutional investors and asset managers.

The initiative aligns with a broader industry trend in which major exchanges and custodians pursue regulatory endorsements to establish long-term trust with policymakers, auditors, and clients. For Crypto.com, the filing reinforces its identity as a security-driven, compliance-oriented innovator — qualities increasingly demanded in a maturing crypto market.

With over 100 million global users and a growing institutional business, Crypto.com’s continued regulatory evolution positions it as one of the few exchanges capable of offering end-to-end digital asset management under federal oversight. This charter, if approved, would be a cornerstone in shaping the next generation of regulated crypto banking services in the United States.