How a Former Coinbase Lawyer Took the Helm of the U.S. Bank Regulator
summary
Argues that decentralization reduces single-point failure and that crypto primitives—stablecoins as deposit-like instruments, tokens as payments rails—are functionally banking for the 21st century. Describes OCC work to test new charters: a payments charter alternative to state money-transmitter licenses and a non‑deposit fintech-style lending charter, noting banks’ obligation to serve lawful businesses if BSA/AML controls meet standards. Says national licensing makes sense for inherently borderless crypto and urges banks to integrate crypto risk controls.
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chapters (7)
- 0:00Intro
- 1:00What is the OCC
- 2:30Why do we have national bank charters
- 4:30FinCheck fintech charter
- 6:30Why is it hard for crypto companies to get bank accounts
- 8:30How has your worldview changed in life
- 11:40Outro
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