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#美SEC促进加密创新监管体系 Is the American banking industry fully embracing encryption payments? That's right, this is happening.
Bank of America recently stated: the entire American banking industry is rushing towards cryptocurrency payments. Who is behind this? The Office of the Comptroller of the Currency (OCC) issued an interpretive letter No. 1186 in 2025. How crucial is this policy? It directly allows banks to include encryption in their balance sheets and can also be used to pay Gas fees for blockchain networks. This significantly lowers the entry barrier for banks to engage in blockchain business, and the operational risks have also decreased.
The data further illustrates the issue. By 2026, the number of American users expected to pay with encryption will surge by 82%, reaching 71,000 people. What about merchants? Almost half have started to accept cryptocurrency payments. Traditional finance and digital assets are finally no longer two parallel lines.
After banks hold and directly use encryption currencies, stablecoins and on-chain payments will become increasingly popular. This is a real injection of new vitality into the financial market.
Why has encryption payment become popular? The reason is simple: lower costs for cross-border payments, faster speeds, and no border restrictions. This brings tangible benefits to both businesses and individuals. More importantly, with policy relaxation and technological advancement, banks now have the confidence to try more innovations—such as blockchain settlement and tokenized assets, things that were previously unimaginable.
This round of traditional finance's acceptance of encryption currency is not just a technological upgrade. It is more like a statement from the regulatory level regarding the future of the digital economy. As social media and mainstream media continue to voice their opinions, the public's recognition of encryption payments is steadily rising. Entering daily life? It may be faster than you think.
In summary: The wave of encryption payments in the American banking industry has already begun to rise, and a new era of "digital + traditional" integration is on the way. By seizing this trend, you will not miss the next opportunity.
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The interesting part of OCC Letter No. 1186 is that it actually just clarifies the legal space; the real risk pricing power still depends on how each bank calculates it.
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Wait, "Operational risks have come down too"? This statement deserves a question mark. Holding encryption assets may actually increase certain risk dimensions.
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The popularity of stablecoins is inevitable, but it's indeed a bit early to discuss the "integration of the new era" now.
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It's true that cross-border payment costs are low, but what about the costs of regulatory compliance? Shouldn't that also be taken into account?
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From an engineering perspective, the delays and throughput bottlenecks of on-chain settlement still need to be resolved.
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Is the 1186th explanation letter really that powerful? Will the banks really go all in?
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I believe that cross-border payment fees are low, but the widespread adoption of stablecoins still depends on how the regulations develop.
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Every time they talk about opportunities, the last time those who bought the dip are still trapped, haha.
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But why would merchants accepting encryption payments be more than traditional payments? Isn't that logic reversed?
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Relaxing regulations is a good thing, but don't forget about the financial risks; do banks really dare to play?
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71,000 people in 2026, is this really considered a huge increase compared to the user base in the U.S.?
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Tokenization of assets is indeed a new thing, but it's still uncertain how far it can go in practice.
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They're promoting opportunities again; I'll wait and see.
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This time, the policies are indeed much more open than before; at least the attitude is different.
Will banks really use encryption to pay gas fees? That's just too ridiculous, haha.
It's always about the hype and the opportunities; I'm getting tired of this rhetoric.
OCC's move has indeed given TradFi a way out.
However, cross-border payments being fast and cheap is something that hasn't been exaggerated.
With Bank of America leading the way, the other banks following will probably have to queue up.
The widespread use of stablecoins will actually weaken the uniqueness of encryption; have you thought about that?
Those who believe in policy dividends will be crying in six months.
To be honest, this wave of policy loosening should have come earlier; cross-border payments have been exploited by traditional banks for too long.
82% rise? The data looks good, but implementation is key, let's wait and see.
We retail investors need to hurry and enter a position, or we'll be left with nothing after institutions eat everything.
Banks are already playing with encryption, what are you still waiting for? Act quickly!
I have high hopes for the popularization of stablecoins, they are much more reliable than those shoddy coins.
Now the DeFi ecosystem is about to da moon, the fragmentation era of TradFi has begun, right?
To put it bluntly, it's just that big capital sees the money now, that's why they're following the trend to get on board; I said the era was going to change.
Wait, 82% surge to 71,000 people? This data is a bit disappointing, or did I calculate it wrong?
Banks are willing to play with encryption now, stablecoins are really going to da moon this time.
But speaking of which, how long will it take for TradFi to truly embrace Web3? Regulation can change on a whim.
The U.S. banking industry is rolling, but what about other countries... feels a bit unfair.
Gas fees can be reimbursed now? This is simply heaven for builders.
This cycle feels really different, with policy support, DeFi might really break out of its little circle.
The low cost of cross-border payments is indeed a highlight, but how do we ensure security, everyone?
The banking system and the on-chain world have finally shaken hands, it feels like history is turning.
The windfall is a good thing, but don't get played for suckers, brothers.
Stablecoin popularization? I guess we'll have to see who dominates the discourse.
An 82% surge sounds impressive, but the question is how many of those 71,000 people have real demand and how many are just speculation.
I believe the low cost of cross-border payments, but have the border restrictions really been eliminated? Don't kid me.
Are banks really daring to directly hold encryption? What about risk awareness? Is this the beginning or just another round of Be Played for Suckers warm-up?