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Federal Reserve Proposes Limited Payments Account Framework, Pauses Tier 3 Application Review Until End of 2026

GateNews

Monetary Policy Forex

2026-05-21 11:02:17

According to Cointelegraph, the Federal Reserve proposed a limited payments account framework to provide fintech companies and crypto-related banks with narrower access to payment systems. The Fed also recommended that regional Reserve banks suspend decisions on Tier 3 account applications until rules are finalized, expected by December 31, 2026. These accounts are restricted to clearing and settlement functions without interest or access to the Fed's discount window or intraday credit. Crypto exchanges will still require access through affiliated entities that meet Federal Reserve Act requirements.

Disclaimer: The information on this page may come from third-party sources and is for reference only. It does not represent the views or opinions of Gate and does not constitute any financial, investment, or legal advice. Virtual asset trading involves high risk. Please do not rely solely on the information on this page when making decisions. For details, see the Disclaimer.

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