US Crypto Banking Insights
The lifecycle behind the register: all 36 applications on one timeline, the OCC's real decision clock, the waiting room, and what wave one teaches about wave two.
Live, not a PDF: every module below recomputes from the register pack. Recomputed on every weekly OCC refresh. This snapshot: July 27, 2026.
Back to the registerThe system behind this tracker
You are already inside Layer 1 of Meridial.
Meridial is the go-to-market system for digital asset companies. The intelligence reading this market for you is its first layer; two more, content and outbound, will turn it into commercial results and pipeline generated at scale for your team.
The open layer
The funnel
N = 30 entitiesWhere the 30 firms stand
11 await a decision, 9 hold conditional approval, and 6 are open and operating. Exits stay on the map.
OCC · snapshot 2026-07-27
Two waves
N = 36 charter applicationsApplications by year
After the 2020 to 2021 wave died, the pipeline went silent for three full years. The second wave opened in 2025, with GENIUS in force since July 18, 2025, and is already 29 applications deep.
OCC · snapshot 2026-07-27
The second gate
N = 11 master-account requestsThe Fed master account
A charter is one gate; the Fed account is the harder one. Of 11 crypto banks that sought one, 1 holds it: Kraken Financial, approved January 2026.
Federal Reserve · snapshot 2026-07-27
The gated analysis
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The named depth: 5 more modules
The charts above are the open layer. Below sits the analysis: named leaderboards, lifecycles, and full feeds, recomputed from the register on every refresh, so nothing here ever goes stale. Free: we ask four things so we know who is using it. One unlock opens every tracker's insights.
The lifecycle board
All 36 charter applications on one timeline, filed to current status. The three-year silence between the waves is visible at a glance.
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How long a decision takes
Days from application to the current decided status, for every track that got one. The OCC's real clock, computed from its own records.
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The waiting room
The pending applications ranked by how long they have been waiting, as of the snapshot. Watch the top of this list for the next decisions.
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Wave one, five years on
Every 2020 to 2021 application and how it ended: the withdrawals, the lapsed approvals, and the one that survived. The base rate for reading wave two.
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The doors they chose
Every firm grouped by the charter route it picked: trust de novo, full bank, or conversion. The route is the strategy, stated in a filing.
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Counts are charter applications (tracks), one row per track; a company can run several. Statuses re-verified against the OCC's live records on every refresh. Full methodology.