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#Banking

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Oct 15Thu
  1. CryptopolitanSource summary75

    Payward plans to acquire Saldo Bank to obtain an EU banking license

    Payward has signed an agreement to acquire Finnish holding company Saldo Finance Oy, which owns Saldo Bank UAB, to obtain an EU banking license. The transaction still requires regulatory approval and is expected to close in 2027; following the acquisition, it plans to offer deposits, lending and SEPA euro payments in five markets, while opening banking-as-a-service tools such as card issuance to fintech companies.

    推荐理由：The acquisition links the parent company of a crypto trading platform’s entry into EU banking with its existing market coverage and plans for deposits, lending and SEPA payments in a single transaction, with regulatory approval as a prerequisite for completion.

  2. Banking DiveSource summary72

    Payward agrees to acquire Lithuania’s Saldo Bank to obtain an EU banking license

    Payward has agreed to acquire Lithuania’s Saldo Bank and its Finnish holding company, planning to use the deal to obtain an EU banking license and upgrade its existing Irish electronic money institution license. The transaction terms were not disclosed and the deal is expected to close in 2027. The transaction is expected to enable Payward to offer deposit interest, lending products, and banking-as-a-service capabilities in Europe, including card issuance and SME lending; Saldo Bank currently has passporting coverage in Lithuania, Finland, Sweden, Germany, and the Netherlands.

    推荐理由：The article outlines how the acquisition would elevate Payward’s licensing status in Europe and lists the five markets covered by Saldo Bank, along with the banking products it plans to expand.

Oct 14Wed
  3. Banking DiveSource summary57

    Upgrade 向 FDIC 和内华达州申请 ILC charter

    Upgrade 已向 FDIC 和内华达金融机构部门申请工业贷款公司（ILC）牌照，拟设立 Upgrade Bank，由 Virginia Varela 担任拟议 CEO。Upgrade 称已向约 8.5 million 名客户提供约 $53 billion 信贷；若获批，公司对 Cross River 和 Celtic Bank 在贷款、信贷额度及银行服务上的依赖将减少。

Oct 6Tue
  1. Banking DiveSource summary77

    ICBA sues OCC, seeking tighter approval of national trust bank charters

    Independent Community Bankers of America (ICBA) sued OCC and Jonathan Gould in federal court, seeking to overturn the rules and interpretive letters underpinning recent trust bank charter approvals, as well as the charter approval for Protego Holdings Corp.

    推荐理由：The case centers on whether non-depository, non-fiduciary institutions can obtain national trust bank charters, involving state-law exemptions, regulatory costs, and crypto companies’ pathways to becoming banks.

  2. Fintech News Hong KongSource summary61

    吉尔吉斯斯坦 Bakai Bank 获香港受限制银行牌照并进军亚太

    吉尔吉斯斯坦 Bakai Bank 获香港金融管理局授予的受限制银行牌照，可在香港设立分行，服务中亚与亚太之间开展业务的企业和金融机构。牌照于 5 October 2026 生效，Bakai Bank Hong Kong 将提供贸易、支付和资金管理服务；该类别银行可接受 HK$500,000 或以上的存款。

  3. PYMNTSSource summary62

    Modern Treasury申请设立受OCC监管的全国性信托银行

    Modern Treasury已向OCC申请设立Modern Treasury National Trust Bank，拟作为受联邦监管的有限用途全国性信托银行运营。该银行计划整合Modern Treasury的支付与结算能力，为客户提供法币和稳定币托管及转移服务，但不发行稳定币或发放贷款。申请发生在银行业团体就OCC向数字资产公司发放银行牌照提起诉讼之际。

Sep 25Fri
  1. US Federal Reserve — Banking RegulationSource summary78

    Federal Reserve seeks comments on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act

    The Federal Reserve is seeking public comment on two regulatory proposals for banks issuing payment stablecoins under the GENIUS Act. The first would require regulated issuers to fully back stablecoins with eligible reserve assets such as short-term Treasury bills, and establish standardized capital requirements, risk management standards, and custody rules; the second would establish a tailored application process for banks seeking to issue stablecoins, requiring the submission of a business plan and financial information, and set out procedures for appeals, hearings, and final decisions. The comment period will close 60 days after publication in the Federal Register.

    推荐理由：The Federal Reserve’s proposed rules for implementing the GENIUS Act cover reserve assets, capital, and risk management, giving readers a basis for assessing the compliance threshold for banks issuing stablecoins.