US EditionUS Regulators Say Banks Won't Face Extra Capital Charges on Tokenized Securities
Regulators issued guidance to affirm technology neutrality, ensuring tokenized securities receive equal capital treatment as traditional securities, easing bank compliance concerns.
- On March 5, the Federal Reserve, Federal Deposit Insurance Corporation and Office of the Comptroller of the Currency clarified banks should not hold extra capital for blockchain-based securities in a Thursday FAQ.
- Rising bank interest in tokenization prompted agencies to issue guidance after last year's momentum under President Donald Trump, with firms like Robinhood, Kraken and Gemini launching tokenized stocks.
- The guidance specifies that the same capital treatment applies to tokens on permissioned and permissionless blockchains, covers derivatives referencing tokenized securities, and allows tokenized assets used as collateral with equal haircuts.
- The clarification means banks face clear capital requirements, reducing uncertainty and helping tokenized shares enable 24/7 trading and instant settlement in the U.S. banking system.
- The SEC is meanwhile developing token policies as most tokenized shares remain pegged or experimental, while market infrastructure firms warned of higher costs and split liquidity without interoperability.
18 Articles
18 Articles
US regulators say banks won't face extra capital charges on tokenized securities
U.S. banking regulators clarified on Thursday that banks should not have to hold additional capital against losses when dealing with blockchain-based securities, saying their rules are "technology neutral."
Federal Reserve clarifies bank capital treatment of tokenized securities - Ledger Insights - blockchain for enterprise
US banks can treat tokenized securities as equivalent to conventional securities for capital purposes. That’s according to a joint announcement by the US Federal Reserve, the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC). This FAQ was a bank recommendation in the White House report on digital assets, published last year. […] The post Federal Reserve clarifies bank capital treatment of tokenized securities…
The OCC, the FDIC, and the Federal Reserve Board issued a statement clarifying how these types of instruments should be treated. Read more
U.S. Regulators Clear the Path for Tokenized Securities in Bank Capital Frameworks
Key Takeaways U.S. bank regulators confirmed tokenized securities carry the same capital requirements as traditional ones The rule is technology-neutral — blockchain type (public or private) doesn’t change the treatment Tokenized securities can now be used as financial collateral under existing legal standards Banks must still meet strict legal, operational, and AML compliance standards to qualify The move signals a significant regulatory devel…
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