Coinbase has won final approval from the US banking regulator for a national trust bank charter, putting its crypto custody business under federal supervision. The charter for Coinbase National Trust Company took effect on November 6, 2026, after conditional approval in April. It does not make Coinbase a retail bank — no deposits, no loans, no stablecoin issuance — but it places a major crypto exchange under direct federal oversight, following Ripple's charter win two weeks earlier.
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