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#Reserves

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Oct 7Wed
  1. CoinDeskSource summary75

    Rain applies for OCC national trust bank charter to custody digital assets and manage stablecoin reserves

    Rain has applied for an OCC national trust bank charter and plans to use its New York subsidiary to custody digital assets and USD for institutional clients, manage stablecoin reserves, and provide issuance and redemption services for USD stablecoins. The proposed bank will not accept deposits, issue commercial loans, or offer consumer accounts, and will not have FDIC insurance. Client assets will be segregated from the bank’s own assets. The application still requires OCC approval and a public comment process, and has faced opposition from traditional banking groups.

    推荐理由：The materials set out the proposed bank’s business boundaries, client asset segregation arrangements, and the regulatory approval and industry litigation background, making it easier to assess the constraints on the chartering path.

  2. PYMNTSSource summary60

    Rain申请OCC批准设立全国性信托银行

    Rain已向OCC申请设立Rain National Trust Bank（RNTB），拟将合作方项目的资产托管、储备管理及稳定币发行和赎回纳入联邦监管框架。若获批，RNTB将作为独立子公司，在OCC监督和检查下提供受托资产托管及稳定币发行和赎回，Rain仍是支付平台。ICBA已就数字资产公司申请全国性银行牌照时可能面临较少审查起诉OCC。

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.