The Federal Deposit Insurance Corporation (FDIC) of the United States has finally revised its approach to the participation of banks in the world of digital assets. With the Financial Institution Letter FIL-7-2025which was published on March 28, 2025, the authority officially allows the banks that it supervised to carry out crypto activities-provided they are able to manage their risks well.
The original approval, which used to be an obstacle, is no longer necessary. As a result, the FDIC also opened its previous Fil-16-2022 guideline from 2022.
This step is the green light for banks that were in a difficult situation. They want to get into the crypto world, but are concerned about violating the rules. They want to stay in their comfort zone, but are also aware that they cannot avoid this digital trend. With this new regulation, your position is now clearer. You can participate as long as you are not reckless.
However, this does not mean that all doors are openly open. The FDIC emphasized that the banks continue to be careful, have a solid risk management system and have to know exactly what they do.
In addition, Travis Hill, incumbent chairman of the FDIC, explained that the former procedure that required the approval of the FDIC before banks could start in cryptocurrencies than was considered ineffective and that it was time to adapt to the current business realities.
He also said that his authority will issue additional guidelines in the future so that the banks do not feel that the banks feel without compass in the wilderness.
On the other hand, the dynamics of cryptopolitics in the United States actually move quickly. Just a few weeks before the FDIC letter was published, President Donald Trump caused a big surprise. Like us reported Having, he announced the creation of a “strategic crypto reserve”, which will hold important digital assets such as XRP, Solana (SOL) and Cardano (ADA). It is about strengthening the position of the United States as the Center for Digital Innovation.
With this step, the government expresses its position that cryptocurrencies are no longer considered a threat, but rather as an instrument of the economic strategy.
With this development, the banks that have been waiting for certainty now have a more solid basis. Imagine that you would have been like racing drivers all the time who had to wait for the green flag, then Fil-7-2025 is this flag. But of course, even if you can step on the gas, you still have to know when to turn, brake or even stop.
At the same time, the decision of the FDIC arouses hope that the cooperation between the Financial institutes will become more efficient. The FDIC said it would work with other regulatory authorities to replace outdated documents in connection with crypto-assets and to replace them with new, more relevant regulations. The hope is that the digital financial ecosystem will no longer be caught in a bunch of contradictory regulations in the future.
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