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Ripple’s Fed Master Account Bid Gains Momentum After Trump Order

President Donald Trump has signed an executive order directing financial regulators and the Federal Reserve to review expanding fintech and crypto firms' access to core payment infrastructure. This order significantly advances the industry's push for direct Fed connectivity, a central issue for Ripple. The company has been seeking a Federal Reserve master account as part of its strategy for its RLUSD stablecoin, which would allow it to hold reserves directly with the central bank and access its payment rails. The order, titled "Integrating Financial Technology Innovation into Regulatory Frameworks," mandates a Fed review within 120 days on allowing access for entities like uninsured depository institutions and non-bank financial companies, including those in digital assets. This creates a formal policy timeline for resolving whether crypto payment firms must rely on traditional bank intermediaries. Ripple's application for a national bank charter and a master account is part of this broader landscape. The issue gained precedent when Kraken Financial received a limited-purpose master account, while Custodia Bank's application was denied after a legal battle. The Fed has also proposed a more restricted "payment account" option. Trump's order does not guarantee approval for Ripple but forces a high-level examination of the regulatory barriers, bringing the company's long-running effort to the forefront of Washington's financial policy agenda.

bitcoinist05/21 05:01

Ripple’s Fed Master Account Bid Gains Momentum After Trump Order

bitcoinist05/21 05:01

Trump Pushes Digital Assets Into U.S. Banking System

President Trump has issued an executive order directing federal agencies to revise financial regulations to integrate digital assets and fintech into the traditional banking and payments system. The policy aims to streamline rules, lower barriers to entry, and encourage collaboration between fintech firms, banks, and regulators. A key directive is for financial regulators to identify and amend any rules that unfairly prevent fintech companies from partnering with federally regulated banks. Specifically, the order requires the Federal Reserve Board to evaluate its system for providing payment accounts and services to non-bank financial institutions. This review includes examining whether Federal Reserve banks can issue such accounts independently, which could benefit entities like Wyoming's Special Purpose Depository Institutions (SPDIs). The move follows recent limited master account access granted to the crypto exchange Kraken and ongoing Fed efforts to establish a more formal framework for such access.

TheNewsCrypto05/20 12:14

Trump Pushes Digital Assets Into U.S. Banking System

TheNewsCrypto05/20 12:14

Top House Democrat Questions Kansas City Fed’s Approval Of Kraken Master Account

Representative Maxine Waters, the top Democrat on the House Financial Services Committee, has questioned the Federal Reserve Bank of Kansas City's approval of a "limited purpose account" for crypto exchange Kraken. This approval grants Kraken's banking arm direct access to the Fed's payment system, a first for a cryptocurrency firm. Waters expressed concerns about the lack of transparency, potential risks to financial stability, and the adequacy of consumer protections, especially as this access was granted while Congress is still debating the terms for such expansions. She has requested detailed information on the services accessible to Kraken, the conditions applied, and the risk assessments conducted. The move has also drawn opposition from traditional banking groups, who warn it could threaten the U.S. payment system.

bitcoinist03/28 09:01

Top House Democrat Questions Kansas City Fed’s Approval Of Kraken Master Account

bitcoinist03/28 09:01

Custodia Bank Loses Case For Rehearing Over Fed Master Account – Details

Custodia Bank has lost its request for a full court rehearing in its legal battle to obtain a Federal Reserve master account. The US Court of Appeals for the Tenth Circuit upheld an earlier ruling, with a 7-3 vote, affirming the Federal Reserve Bank of Kansas City's (FRBKC) authority to deny such applications. This decision reinforces the Fed's discretion in granting master accounts, which provide direct access to its payment system. Custodia, a crypto bank, had argued the denial was unlawful. The bank's options now include appealing to the US Supreme Court or applying for a special limited master account similar to the one granted to Kraken.

bitcoinist03/15 04:01

Custodia Bank Loses Case For Rehearing Over Fed Master Account – Details

bitcoinist03/15 04:01

Federal Court Ends Custodia Bank Bid for Federal Reserve Master Account

A U.S. federal appeals court has rejected Custodia Bank's bid to obtain a master account with the Federal Reserve, ending a five-year legal battle. The court upheld the Federal Reserve's authority to deny access to its payment systems, emphasizing that reserve banks have discretion to assess risks before granting accounts. Custodia, a digital asset-focused bank, argued that federal law entitled it to an account, but the court disagreed. The ruling reinforces the Fed's role as gatekeeper to the national payment infrastructure. A dissenting judge warned that denying master account access can be a "death sentence" for banks. The decision comes amid broader efforts by crypto firms to access traditional financial systems.

TheNewsCrypto03/14 06:49

Federal Court Ends Custodia Bank Bid for Federal Reserve Master Account

TheNewsCrypto03/14 06:49

The Crypto Industry Waited Five and a Half Years, and Got Half a Ticket

After a five-and-a-half-year wait, Kraken has become the first cryptocurrency exchange to receive a master account from the Federal Reserve, specifically a "skinny account" that grants limited access to the Fedwire payment system. This allows Kraken to settle U.S. dollar transactions directly for institutional clients, reducing reliance on intermediary banks and lowering friction for large-scale transactions. However, the account does not include key banking privileges such as access to the discount window or interest on reserves. The approval, granted by the Kansas City Fed in March, marks a significant shift in the U.S. regulatory approach to crypto, occurring under a new political administration. It follows the collapse of key crypto-friendly banks like Silvergate and Signature in 2023, which exposed the industry's vulnerability to traditional banking partners. The move has faced criticism from banking groups, who argue the approval bypassed established rulemaking procedures. The broader implications are substantial: Kraken can now offer near-instant settlement to institutional clients, enhancing its competitive position as it prepares for an IPO. This decision, seen as politically driven rather than rules-based, may pave the way for other crypto firms like Anchorage Digital to gain similar access, though its longevity remains tied to the current political climate.

marsbit03/09 05:16

The Crypto Industry Waited Five and a Half Years, and Got Half a Ticket

marsbit03/09 05:16

Banks Seek To Block Kraken’s Fed Approval, Label Crypto A ‘Potential Risk’

Major US banking groups are opposing the Federal Reserve's decision to grant Kraken Financial, the crypto exchange's banking arm, a master account—the first ever given to a digital asset institution. While this "skinny" account allows Kraken to hold reserves and settle transactions in central bank money, it does not grant full banking powers like lending. Banking associations, including the ICBA, argue the approval was granted without proper public comment and that crypto poses a risk to financial stability. The move intensifies the existing legislative battle between banks and the crypto industry over stablecoin regulations and market structure bills, despite former President Trump's public support for crypto.

bitcoinist03/05 14:11

Banks Seek To Block Kraken’s Fed Approval, Label Crypto A ‘Potential Risk’

bitcoinist03/05 14:11

Expert Claims Ripple Is Next to Secure Fed Master Account After Kraken Win— Here’s Why

Expert Paul Barron suggests Ripple could be the next crypto firm to secure a Federal Reserve master account, following Kraken's landmark approval. This access would integrate Ripple directly into the Fed's core payment infrastructure, like major traditional banks. Barron highlights Ripple's National Trust Bank charter as a key step toward this goal, which would be crucial for scaling its dollar-pegged stablecoin, RLUSD. He also notes growing regulatory momentum, such as the CLARITY Act, may pressure the Fed to further integrate qualified crypto institutions. Ripple's executives have previously expressed interest in this strategic access.

bitcoinist03/05 12:06

Expert Claims Ripple Is Next to Secure Fed Master Account After Kraken Win— Here’s Why

bitcoinist03/05 12:06

Kraken Becomes First Crypto Firm To Gain Access To Federal Reserve’s Master Accounts – Report

Kraken, the second-largest US crypto exchange, has become the first cryptocurrency firm to gain a Federal Reserve master account through its banking arm, Kraken Financial. This approval, granted by the Kansas City Fed, provides limited access to core payment systems like Fedwire, enabling faster and more efficient fiat currency transfers for clients. While seen as a major industry milestone, the approval has drawn opposition from traditional banks, which argue that granting crypto firms access to the Fed’s payment infrastructure could threaten financial stability. The account is approved for an initial one-year term.

bitcoinist03/05 10:02

Kraken Becomes First Crypto Firm To Gain Access To Federal Reserve’s Master Accounts – Report

bitcoinist03/05 10:02

Kraken wins Federal Reserve Master Account in industry first

Kraken Financial, the banking subsidiary of the Kraken cryptocurrency exchange, has secured a limited-purpose Federal Reserve master account from the Federal Reserve Bank of Kansas City. This makes it the first crypto-native firm to gain direct access to the U.S. central bank's core payment infrastructure. The account, approved for an initial one-year term, allows Kraken to process fiat currency deposits and withdrawals for digital-asset trading without relying on intermediary banks. The approval is subject to restrictions and enhanced scrutiny, as Kraken is classified as a Tier 3 entity under the Fed's framework. This decision marks a significant, though cautious, step by the Federal Reserve, contrasting with its previous denial of a similar application from Custodia Bank in 2023.

ambcrypto03/04 15:13

Kraken wins Federal Reserve Master Account in industry first

ambcrypto03/04 15:13

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