OCC Clears One Bank to Hold Crypto for Network Fees Under Its Request

The Office of the Comptroller of the Currency concluded that one bank may hold limited crypto assets for network fees and platform testing, subject to the specific facts and qualifications in its proposal. The Nov. 18, 2025, interpretation limits fee-related holdings to amounts necessary for network fees the bank reasonably foresees needing. It also permits the bank to hold amounts necessary to test otherwise permissible crypto-asset-related platforms. The bank proposed keeping its holdings de minimis relative to its capital and said it would conduct a risk and compliance assessment covering technical, operational, cybersecurity, liquidity, illicit-finance, legal and regulatory risks.