Трамп дозволив доступ криптофірм до платіжної інфраструктури
On May 19, U.S. President Donald Trump issued an order aimed at integrating digital assets into the traditional financial system and revising the regulations governing the access of crypto companies to payment infrastructure, according to Forklog.com.
### What Trump Allowed
Within 90 days, the heads of federal financial regulators are required to review existing regulations and identify which of them obstruct companies from acquiring banking licenses and insurance. A period of 180 days has been allocated for implementing measures to support innovation following this review.
A specific segment of the order addresses the Federal Reserve System (Fed). The White House tasked the Fed with evaluating the feasibility of providing direct access to payment accounts and services of reserve banks for "uninsured depository institutions and non-bank financial companies" within 120 days.
In its report, the Fed is to answer the following questions:
- Does current legislation permit expanded access?
- What legal barriers exist?
- Can the 12 regional reserve banks make independent decisions regarding the issuance of master accounts?
If the Fed confirms the legality of such access, it has been proposed that the regulator establish a transparent process for reviewing applications, with a decision-making timeframe of up to 90 days.
This initiative is particularly significant for special depository institutions in Wyoming. Earlier this year, the Federal Reserve Bank of Kansas City granted a limited version of a master account to one exchange.
According to Reuters, in March, the banking division of the platform gained access to the Fed's payment system through a targeted account. Similar permissions are being sought by Anchorage Digital and Wise.
The Fed plans to introduce a simplified format for master accounts. In December 2025, it published a draft allowing certain companies to access the banking system via a "streamlined" account.
The initiative has drawn a response from the Independent Community Bankers of America. The organization's president, Rebecca Romero Rainey, noted the "significant regulatory gaps" between banks and non-bank entities.
She emphasized that reserve financial institutions should retain the right to deny access to stablecoin issuers and crypto companies to maintain system stability.
### Reminder
On May 14, the U.S. Senate Banking Committee approved the CLARITY Act by a vote of 15 to 9. This legislation proposes comprehensive regulation of the crypto market at the federal level.
