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OCC Finalizes Rule Clarifying Digital Asset Custody for National Trust Banks

The OCC finalized a rule on February 27, 2026, clarifying permissible non-fiduciary activities for national trust banks, including digital asset custody. The rule does not impose moratoriums and supports ongoing fintech and crypto charter applications. This provides greater regulatory clarity for BaaS and embedded finance providers leveraging trust bank structures.

Feb 27, 2026

Anchorage Digital Raises $100M from Tether at $4.2B Valuation

Anchorage Digital raised $100M from Tether at a $4.2B valuation, strengthening its crypto banking infrastructure. Anchorage Digital Bank N.A. holds a federal bank charter and supports stablecoin issuance. The investment deepens the relationship between stablecoin issuers and regulated crypto banking infrastructure.

Feb 1, 2026

New York Community Bancorp Raises Over $1B in Equity Investment

New York Community Bancorp raised over $1 billion in equity investment anchored by former Treasury Secretary Steven Mnuchin's Liberty Strategic Capital. The capital infusion follows NYCB's post-Flagstar merger challenges as a $100B+ bank. The deal stabilizes a key institution in the US banking infrastructure.

Mar 11, 2024

Nigerian Embedded Finance Platform Anchor Raises $2.6M to Expand Offerings

Nigerian embedded finance platform Anchor raised $2.6 million to expand its product offerings. The platform provides APIs for business accounts, card issuance, bill payments, bulk disbursements, and cross-border payments. Anchor partners with regulated banks to enable fintechs and businesses to launch financial products in days rather than years.

Sep 4, 2023

Nigerian BaaS Provider Anchor Raises $2.4M Seed Round

Anchor, a Nigerian banking-as-a-service provider, secured $2.4 million in seed funding led by Goat Capital. Other investors included FoundersX, Rebel Fund, Y Combinator, and Byld Ventures. The funds will be used to strengthen compliance, enhance its core ledger, and scale customer onboarding.

Sep 4, 2023

OCC Confirms Protego Trust's Conditional National Trust Bank Charter Has Expired

The OCC confirmed that Protego Trust Company's conditional approval for a national trust bank charter expired after the crypto firm failed to meet pre-conversion requirements. Protego had originally received conditional approval in February 2021, which was extended to February 2023. The firm could not secure $54 million in tier 1 capital and liquidity or finalize necessary policies and systems. Anchorage Digital remains the only crypto firm holding an active OCC national banking charter.

Mar 17, 2023

CSI Facilitates BaaS Partnership Between ECHO Health and Anchor Bank

CSI announced a BaaS sponsor bank partnership connecting fintech ECHO Health with Anchor Bank. Using CSI's open API platform, ECHO Health leverages Anchor Bank as its sponsor bank to streamline insurance claim disbursements, virtual card payments, and healthcare savings accounts. The partnership demonstrates how middleware providers are enabling community banks to participate in embedded finance.

Feb 8, 2023

Maplerad Raises $6M Seed Led by Valar Ventures for African BaaS Platform

Nigerian BaaS platform Maplerad raised $6 million in seed funding at a $30 million valuation, led by Peter Thiel's Valar Ventures. The U.S.-based company, founded by Miracle Anyanwu and Obinna Chukwujioke, emerged from stealth positioning itself as a global BaaS player targeting Africa. It competes with other Nigerian fintech startups including Anchor, Bloc, OnePipe, and Flutterwave.

Oct 17, 2022

Anchor BaaS Platform for Africa Joins Y Combinator S22 Batch

Anchor, a banking-as-a-service platform for Africa, was one of three fintech companies from the continent selected for Y Combinator's Summer 2022 batch. The accelerator program concluded in September 2022. Anchor's inclusion highlights growing BaaS demand in African markets.

Sep 1, 2022

OCC Issues BSA/AML Consent Order Against Anchorage Digital Bank

The OCC issued a consent order targeting BSA/AML compliance deficiencies at Anchorage Digital Bank, the first federally chartered digital asset bank. The action came just 15 months after the OCC granted Anchorage a conditional national trust bank charter in January 2021. The order highlights the regulatory scrutiny facing crypto-native institutions operating under bank charters.

Apr 25, 2022

OCC Conditionally Approves Protego Trust Company for Federal Trust Bank Charter

The OCC granted conditional approval to Protego Trust Company to convert to a federally-chartered trust bank. Protego, a Seattle-based crypto custody and trading provider, became the second crypto firm to receive a federal bank charter after Anchorage Digital Bank. The approval requires Protego to meet operational, capital, and compliance conditions within 18 months.

Feb 5, 2021

Visa Launches Crypto API Pilot with Neobank First Boulevard

Visa announced a pilot program enabling fintechs to offer Bitcoin and cryptocurrency trading and custody through Visa's crypto APIs. First Boulevard, a Black-owned digital bank, was named the first partner. The initiative embeds crypto capabilities directly into fintech banking experiences via Visa's infrastructure.

Feb 1, 2021

OCC Grants Anchorage First Federal Digital Asset Bank Charter

The OCC conditionally approved Anchorage Trust Company's charter conversion to become Anchorage Digital Bank, National Association, making it the first federally chartered digital asset bank. The approval allows Anchorage to provide fiduciary custody of digital assets, custody of cash deposits at FDIC-insured banks, and on-chain governance services. This landmark decision signals the OCC's willingness to extend national bank charters to virtual currency fintech firms.

Jan 13, 2021