Paxos fait une nouvelle demande de charte de banque fiduciaire nationale aux États-Unis – Un pas de plus vers la légitimité crypto ?

Paxos relance sa quête d'une charte bancaire nationale. L'entreprise spécialisée dans la blockchain vise une reconnaissance réglementaire totale – parce que rien ne crie 'adoptez-moi' comme un tampon gouvernemental.

Le jeu des régulateurs continue. Après un rejet initial, Paxos persiste et signe. Une stratégie risquée ? Peut-être. Mais dans le monde des cryptos, l'audace paie souvent – quand ce n'est pas la SEC qui frappe à votre porte.

Le secteur surveille ce dossier de près. Une approbation pourrait ouvrir les vannes institutionnelles. Un nouveau refus ? Juste une autre journée dans le Far West financier – où même les banquiers en costard jouent aux cow-boys.

Paxos joins Circle and Ripple in push for OCC approval

Currently, Anchorage Digital is the only digital asset company holding an active national trust bank charter. The OCC’s decision on Paxos comes as other firms are also seeking the same status. Last month, stablecoin issuer Circle and cryptocurrency company Ripple submitted their own applications.

Paxos provides blockchain infrastructure and stablecoin solutions for businesses. It also issues several stablecoins directly, including PayPal’s PYUSD, which currently has a market capitalization of more than $1 billion.

Stablecoins are a type of cryptocurrency designed to maintain a consistent value, most often pegged to the U.S. dollar at a one-to-one ratio. They have become an important tool for cryptocurrency traders moving between tokens and are increasingly seen as a method for near-instant payment transfers.

Their adoption has grown rapidly, and the sector recently saw a major regulatory development.

In July, U.S. President Donald trump signed a law establishing a federal framework for stablecoins. Supporters say the measure could help integrate them into everyday payments and money transfers. The legislation followed years of lobbying by the cryptocurrency industry, which, according to Federal Election Commission data, contributed more than $245 million to pro-crypto candidates, including Trump, during last year’s election cycle.

Past partnership with Binance under scrutiny

Paxos has previously collaborated with major players in the digital asset industry. It partnered with Binance, the world’s largest cryptocurrency exchange, to develop and distribute the Binance USD stablecoin.

That relationship has remained under regulatory scrutiny. Last week, Cryptopolitan reported that Paxos agreed to a $48.5 million settlement with New York regulators over claims that it failed to sufficiently monitor for illegal activities linked to Binance. This followed a broader enforcement action in which Binance’s former chief executive admitted to violating U.S. anti-money laundering laws, resulting in a $4.3 billion settlement in 2023.

The OCC’s decision on Paxos’s application will determine whether the company joins Anchorage Digital as one of the few digital asset firms with a federal trust bank charter. For Paxos, the license could offer increased legitimacy and regulatory oversight while maintaining its focus on blockchain services and stablecoin issuance.

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