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Revolut and OpenReserve receive preliminary OCC approval to form US national banks with crypto plans

9/4/2026

Preliminary approval from the Office of the Comptroller of the Currency has put Revolut and OpenReserve on the path to US national bank charters, with both firms planning cryptocurrency and stablecoin-related services inside the regulated structure.

The OCC designation is preliminary, meaning full charter approval is the next gate before either company can operate as a US national bank.

For digital asset markets, the stablecoin element is what this development puts in focus.

A US national bank charter brings any stablecoin activity under OCC oversight, a different posture than the state money-transmission licenses most digital dollar issuers hold today.

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