Morning Minute: The SEC & OCC Usher In Crypto Era

Two major actions from late last week signal that crypto is fully entering the mainstream, with full regulatory buy in.

Morning Minute is a daily newsletter written by Tyler Warner. The analysis and opinions expressed are his own and do not necessarily reflect those of Decrypt. Subscribe to the Morning Minute on Substack.

GM!

Today’s top news:

For years, Washington’s message to crypto was simple: wait.

This week, that changed.

First, the SEC issued a no-action letter allowing certain firms to launch tokenized stock products without facing immediate enforcement risk.

Then, the OCC granted national bank charters to Circle, Ripple, and other crypto-native firms, formally placing them inside the U.S. banking framework.

Two clear signals that tokenized assets and stablecoins are being regulated as infrastructure.

This comes as tokenized equities, stablecoins, and RWAs are already gaining traction across Ethereum, Solana, and emerging hybrid platforms.

“New entrants into the federal banking sector are good for consumers, the banking industry and the economy. They provide access to new products, services and sources of credit to consumers, and ensure a dynamic, competitive and diverse banking system.” - Jonathan V. Gould, Comptroller of the Currency

Each of these announcements are fundamentally bullish for crypto and the on-chain economy.

Tokenized stocks mean:

Those are all real benefits over traditional stock trading. When people ask “But what has crypto actually delivered product-wise?”—we have a solid new answer.

The OCC charters mean:

The historical barriers are falling down in real time.

And crypto is becoming too integrated within TradFi to be walked away from (i.e. in a political regime change in 2028).

Now the question for investors becomes—what does this mean for demand? And which assets will win?

That’s the trillion dollar question…

A few Crypto and Web3 headlines that caught my eye:

Here’s a rundown of major token, protocol and airdrop news from the day:

Here is the list of other notable headlines from the day in NFTs:

More News

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• CT
• Coindesk
• Decrypt
• DLNews