Coinbase gets full OCC charter for Coinbase National Trust Company

Coinbase has received full charter status for Coinbase National Trust Company from the US Office of the Comptroller of the Currency, moving it up from the conditional approval granted in April 2026. Coinbase announced the decision on 9 November.

The conditional approval allowed federally regulated custodial and payments services, but not full-service banking such as taking deposits or making loans. Since April, Coinbase built out compliance systems, hired personnel and went through regulatory scrutiny.

Coinbase Vice Chairman Ryan VanGrack said the company has spent years asking for clear rules and rigorous oversight, and described the approval as another major step in integrating digital assets into core infrastructure.