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Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →Modern Treasury announced on October 5, 2026, that it had applied to the Office of the Comptroller of the Currency (OCC) to establish Modern Treasury National Trust Bank. The proposed limited-purpose national trust bank would custody digital assets, including stablecoins, and provide related fiat services if approved. The application is not an approval, and the OCC’s public pending-applications page did not list Modern Treasury when accessed on October 7, 2026.
What Modern Treasury is proposing
Modern Treasury says its proposed national trust bank would let customers custody and move stablecoins and fiat through an integrated service. The proposed institution is described as a federally regulated, limited-purpose trust bank focused on digital-asset custody and related fiat services. These are planned activities, not services currently offered by an approved bank. Cointelegraph’s October 5, 2026 report relayed the company’s announcement.
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Modern Treasury co-founder and CEO Matt Marcus said, “We believe stablecoins are foundational economic infrastructure for the future,” according to Cointelegraph. The same report said Marcus described stablecoins as fully integrated into the company’s payments platform; that is his reported characterization, not an independently reviewed technical description.
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Has Modern Treasury received an OCC charter?
No approval is established by the announcement. Modern Treasury said it submitted an application, but the proposal should be described as pending only if its status is confirmed in OCC records. The OCC’s Digital Assets Licensing Applications page, accessed October 7, 2026, lists pending applications and directs readers to the Corporate Applications Search (CAS) tool for details. Modern Treasury was not among the applicants shown on that page at that time.
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That omission does not show whether the OCC received the filing, whether it is still in intake, or what other procedural status may apply. The page is a live listing, not a dated decision notice. The reviewed material does not establish that the proposed bank has been approved or opened, nor does it establish an approval timetable or launch date.
What the proposed bank would—and would not—do
According to the company announcement as relayed by Cointelegraph, the proposed bank’s scope would include custody of digital assets such as stablecoins and related fiat services. The company-reported scope excludes stablecoin issuance and lending, and the proposed bank would operate separately from Modern Treasury’s existing payments business.
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- Proposed: custody and movement of stablecoins and fiat through an integrated service, if approved.
- Not in the reported scope: issuing stablecoins or making loans.
- Not established: deposit-taking, FDIC insurance, or any specific launch date or regulatory decision timetable.
The reported proposal does not establish that the entity would have powers beyond those activities. Its formal authority would depend on regulatory approval and the terms of any resulting authorization.
How this relates to Modern Treasury’s existing business
The proposed trust bank would be separate from Modern Treasury’s existing payments business. Cointelegraph reported that the existing business had facilitated more than $600 billion in payments across hundreds of organizations, attributing the figure to Modern Treasury. That figure describes the existing payments operation as reported in 2026; it is not a measure of the proposed bank’s activity or custody volume.
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What to watch for next
The clearest way to confirm procedural progress is to check the OCC’s CAS record or a public application document. The OCC listing alone, as accessed October 7, 2026, does not settle the application’s intake status. A reader should distinguish a submitted application from an OCC listing, conditional approval, final approval, and an operating institution; those are not interchangeable milestones.
Modern Treasury’s announcement is therefore a corporate plan with potential regulatory consequences, not evidence that customers can currently open accounts or custody assets through a new national trust bank.
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