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.
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。
Fiserv仍计划推出FIUSD稳定币，但未说明具体时间，并已从与Paxos和Circle合作转向内部开发专有代币。其数字资产平台已上线Bank of North Dakota的Roughrider，为该州约90家银行和信用合作社提供使用；平台基础设施由Fireblocks提供，交易运行在Solana上。Fiserv称，未来FIUSD将支持其客户闭环内转账，并与其他数字钱包互操作。
Fiserv已上线稳定币系统，承载由Bank of North Dakota支持、VersaBank发行的Roughrider Coin，Fireblocks提供数字资产基础设施，交易通过Solana进行。该系统将服务约90家金融机构的银行间转账，并提供稳定币发行、储备、托管和结算基础设施，支持稳定币支付卡、财资自动化、代币化存款和货币兑换。
Latitude Global搭建基于稳定币支付轨道的跨境支付基础设施，称可在不到两分钟内完成支付结算。其网络覆盖约50个国家，并为希望使用稳定币转账的数字银行和其他企业提供法币出入金通道。Latitude支持USDC和USDT，Cyril Mathew称两到三种稳定币已占其交易量的80-plus percent。
Open Standard宣布OUSD稳定币上线，企业可通过Stripe、Coinbase、Mastercard和Visa四条路径接入相关API与工具。所有路径均支持以1:1 USD汇率免费铸造和销毁OUSD，覆盖结算、支付编排、交易、FX、钱包和卡等服务。Stripe用户还可通过Stripe Treasury持有OUSD，并使用稳定币卡消费或将其发送至100多个国家的加密钱包。
Stripe announced support for OUSD across its products and designated OUSD as the default stablecoin configuration. Businesses can receive, hold, send, and spend OUSD through Treasury, and can also use products including Issuing, Global Payouts, Crypto Onramp, and Payments. OUSD is now supported on Base, Ethereum, Solana, and Tempo, while Stripe will continue to allow users to use other stablecoins.
推荐理由：Stripe’s designation of OUSD as the default stablecoin and its integration into products including treasury management, card issuance, and global payouts give businesses a basis for evaluating how to integrate stablecoin operations.
Stripe has introduced three improvements to Link’s agentic wallet: incremental authorization allows agents to increase the authorized amount when the final price exceeds the originally approved amount, avoiding the need to place a new order; spending insights powered by Financial Connections can analyze transaction data from more than 12,000 financial institutions to improve recommendations; eligible transactions can receive free purchase protection. Over the past month, the number of agentic purchases completed through Link has increased 38-fold.
推荐理由：The original text outlines three capabilities—incremental authorization, spending insights, and purchase protection—enabling readers to assess the scope of Link’s wallet in agentic payment scenarios.