# Stablecoins for Banks — Official Guidance by Jurisdiction…

> Official documents banks look at before holding, custodying, using or issuing stablecoins or running a node: OCC, FDIC, Fed, Basel SCO60, CRR3, MiCA, FCA…

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Regulation REFERENCE · official regulator documents · as of 2026-11-11

# Stablecoins: a guide for banks
Official documents banks look at before holding, custodying, using or issuing stablecoins, or running a node. Each entry links to the regulator’s own page. Informational only; not legal advice.

### By jurisdiction
#### United States
OCC Interpretive Letter 1183

· 7 Mar 2025

Confirms national banks may provide crypto-asset custody, hold stablecoin reserves, take part in independent node verification networks and related activities; rescinds the prior supervisory non-objection process (IL 1179).

[Official source ↗](https://occ.gov/topics/charters-and-licensing/interpretations-and-decisions/2025/int1183.pdf)

OCC Interpretive Letter 1184

· 7 May 2025

Confirms banks may buy and sell crypto-assets held in custody at the customer’s direction and may outsource custody and execution to third parties.

[Official source ↗](https://www.occ.gov/topics/charters-and-licensing/interpretations-and-decisions/2025/int1184.pdf)

FDIC FIL-7-2025

· 28 Mar 2025

FDIC-supervised institutions may engage in permissible crypto-related activities without prior FDIC notification; replaces FIL-16-2022.

[Official source ↗](https://www.fdic.gov/news/financial-institution-letters/2025/fdic-clarifies-process-banks-engage-crypto-related)

Federal Reserve press release

· 24 Apr 2025

Withdraws guidance on crypto-asset and dollar-token activities for state member banks; joint statements with the FDIC and OCC withdrawn.

[Official source ↗](https://www.federalreserve.gov/newsevents/pressreleases/bcreg20250424a.htm) · [Joint withdrawal (FDIC) ↗](https://www.fdic.gov/news/press-releases/2025/agencies-withdraw-joint-statements-crypto-assets)

OCC Bulletin 2026-50 — GENIUS Act final rule

· 21 Oct 2026

Final rule for payment stablecoin issuers under OCC jurisdiction; effective 18 Jan 2027.

[Official source ↗](https://www.occ.gov/news-issuances/bulletins/2026/bulletin-2026-50.html) · [Federal Register text ↗](https://www.federalregister.gov/documents/full_text/html/2026/10/23/2026-21706.html)

#### Basel Committee (BCBS)
SCO60 — Cryptoasset exposures

· in force 1 Jan 2026

Prudential standard for banks’ cryptoasset exposures, including classification conditions for stablecoins (version published 27 Nov 2024).

[Official source ↗](https://www.bis.org/committees/bcbs/basel-framework/standard/sco/60/inforce/2026-01-01/published/2024-11-27)

BCBS meeting press release

· 1 Oct 2026

Committee meeting release on supervisory and regulatory initiatives and risks discussed.

[Official source ↗](https://www.bis.org/media-releases/20261001-basel-committee-meets-advance-supervisory-and-regulatory-initiatives-and-discuss-risks-and)

#### European Union
CRR3 — Article 501d

· Regulation (EU) 2024/1623

Transitional prudential treatment of crypto-asset exposures for EU credit institutions.

[Official source ↗](http://data.europa.eu/eli/reg/2024/1623/oj)

EBA draft technical standards

· EBA press release

Draft standards on the prudential treatment of crypto-asset exposures under the Capital Requirements Regulation.

[Official source ↗](https://www.eba.europa.eu/publications-and-media/press-releases/eba-publishes-draft-technical-standards-prudential-treatment-crypto-asset-exposures-under-capital)

MiCA — Article 60

· Regulation (EU) 2023/1114

Credit institutions may provide crypto-asset services after notifying their competent authority.

[Official source ↗](https://www.esma.europa.eu/publications-and-data/interactive-single-rulebook/mica/article-60-provision-crypto-asset-services)

#### United Kingdom
FCA cryptoasset regime — policy statements

· FCA

Rules for the UK cryptoasset regime, including stablecoin issuance and custody.

[Official source ↗](https://www.fca.org.uk/publications/policy-statements/cryptoasset-regime)

PRA Dear CEO letter

· 18 May 2026

PRA letter on tokenised assets, stablecoins and other cryptoasset exposures of banks.

[Official source ↗](https://www.bankofengland.co.uk/-/media/boe/files/prudential-regulation/letter/2026/tokenised-assets-stablecoins-and-other-cryptoasset-exposures)

#### Singapore
MAS consultation — prudential treatment of cryptoassets

· 2025

Consultation on banks’ prudential treatment of cryptoasset exposures and AT1/T2 capital instrument requirements.

[Official source ↗](https://www.mas.gov.sg/publications/consultations/2025/consultation-on-the-prudential-treatment-of-cryptoassets-and-reqs-for-at1-and-t2-capital-instruments)

#### United Arab Emirates
CBUAE Payment Token Services Regulation

· CBUAE Rulebook

Licensing and conduct rules for payment token issuance, conversion and custody onshore.

[Official source ↗](https://rulebook.centralbank.ae/en/rulebook/payment-token-services-regulation)

ADGM FSRA — Fiat-Referenced Token framework

· FSRA announcement

Framework for regulated activities involving fiat-referenced tokens in ADGM.

[Official source ↗](https://www.adgm.com/media/announcements/adgm-fsra-finalises-regulatory-framework-for-regulated-activities-involving-fiat-referenced-tokens)

DFSA — RLUSD recognised

· 3 Jun 2025

DFSA notice recognising Ripple USD (RLUSD) as a crypto token for use in the DIFC.

[Official source ↗](https://www.dfsa.ae/news/notice-crypto-token-recognition-ripple-rlusd)

### By scenario
Which of the documents above relate to each activity.

#### Holding stablecoins on the bank’s own balance sheet
SCO60 — Cryptoasset exposures ↗

· in force 1 Jan 2026

CRR3 — Article 501d ↗

· Regulation (EU) 2024/1623

EBA draft technical standards ↗

· EBA press release

PRA Dear CEO letter ↗

· 18 May 2026

MAS consultation — prudential treatment of cryptoassets ↗

· 2025

#### Custody for clients
OCC Interpretive Letter 1183 ↗

· 7 Mar 2025

OCC Interpretive Letter 1184 ↗

· 7 May 2025

FDIC FIL-7-2025 ↗

· 28 Mar 2025

Federal Reserve press release ↗

United States · 24 Apr 2025

MiCA — Article 60 ↗

· Regulation (EU) 2023/1114

FCA cryptoasset regime — policy statements ↗

· FCA

#### Using RLUSD (settlement, treasury, payments)
DFSA — RLUSD recognised ↗

· 3 Jun 2025

ADGM FSRA — Fiat-Referenced Token framework ↗

· FSRA announcement

OCC Bulletin 2026-50 — GENIUS Act final rule ↗

United States · 21 Oct 2026

#### Issuing a payment stablecoin
OCC Bulletin 2026-50 — GENIUS Act final rule ↗

United States · 21 Oct 2026

CBUAE Payment Token Services Regulation ↗

· CBUAE Rulebook

FCA cryptoasset regime — policy statements ↗

· FCA

ADGM FSRA — Fiat-Referenced Token framework ↗

· FSRA announcement

#### Running a node (validator / verification network)
OCC Interpretive Letter 1183 ↗

· 7 Mar 2025

### Ripple and RLUSD for banks
Regulator-confirmed items carry the blue seal; company statements are marked per company.

Ripple National Trust Bank — OCC national trust bank charter #25364

OCC CAS ↗

CA 1359 (PDF) ↗

On the NYDFS Greenlist — RLUSD approved for issuance by Standard Custody & Trust Company, LLC (NYDFS limited purpose trust company)

NYDFS (New York) · Dec 2024

Recognised Crypto Token — Ripple (RLUSD)

DFSA (DIFC, UAE) · 3 Jun 2025

Accepted Fiat-Referenced Token (Ethereum & XRP Ledger) — FSRA list of accepted FRTs

FSRA (ADGM, UAE) · 1 Sep 2026

Moody’s A2 / P-1 (RLUSD)

Moody’s rating action ↗

#### How to contact Ripple
Per company — links to Ripple’s own pages.

Contact Ripple sales ↗

Ripple for banks ↗

Institutional custody ↗

RLUSD stablecoin ↗

RLUSD onboarding docs ↗

Informational only; not legal, investment or compliance advice. Check each document for scope and conditions.

Last updated: 2026-10-26 · Sources: Official government / regulator publications (linked per entry)