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OpenReserve secured approval for a full-service national bank charter rather than the limited trust-bank route most crypto firms have used, opening a path to insured deposits and conventional lending alongside stablecoin issuance. That combination compresses the regulatory moat around incumbent stablecoin issuers and bank partners, since a chartered balance sheet can internalize reserve custody, payment rails, and lending spread instead of renting them, a competitive negative for pure-play issuers like Circle and for banking-as-a-service intermediaries. Watch for the remaining conditions to close: FDIC deposit insurance, Federal Reserve master account access, and capital requirements, because approval in principle does not equal an operating bank and any delay reopens the trust-charter model as the default path.
As a Policy signal, watch whether it changes price action, volatility, or flows around COIN, ETH.
Original Source: Decrypt
This page is market information analysis, not investment advice.
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Influencer Threads
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