United States · GENIUS Act, OCC Charters and New York Licences
The GENIUS Act Takes Effect on 18 January 2027. 16 of 20 Implementing Documents Are Still Proposals.
Who holds a New York licence or an OCC charter approval, which banks plan to issue stablecoins, and every federal GENIUS Act rule. NYDFS list read 21 Oct 2026; Federal Register read 22 Oct 2026. What changes on 18 January →
GENIUS Act takes effect · 88 days left
exchange offer ban (calculated) · 635 days left
16/20
Federal documents still proposals
1 final or interim final rule(s) in the Federal Register.
6
NY-approved stablecoins
On NYDFS's Greenlist.
Every Firm We Track
48 of 48 · CSV
| Stablecoin issuance | Sources | |||
|---|---|---|---|---|
| Anchorage DigitalAnchorage Digital NY, LLC | National trust bank (OCC) | OCC national bankOCC national bank · NY since Dec 2024 | No OCC decision | NYDFS official OCC SCL 2026-01 official |
| BitGoBitGo New York Trust Company, LLC · BitGo Bank & Trust, N.A. | National trust bank (OCC) | NYDFS licensed + OCC approvalNY since Mar 2021 · OCC 12 Dec 2025 | Plans to issue stablecoins12 Dec 2025 | NYDFS official OCC CA1353 official |
| CircleCircle Internet Financial, LLC · Circle Internet Trust Company, LLC. d/b/a Circle New York Trust · First National Digital Currency Bank, N.A | National trust bank (OCC) | NYDFS licensed + OCC approvalNY since Sep 2015 · OCC 12 Dec 2025 | Will not issue stablecoins12 Dec 2025 | NYDFS official OCC CA1356 official |
| CoinbaseCoinbase Custody Trust Company, LLC · Coinbase, Inc. · Coinbase National Trust Company | National trust bank (OCC) | NYDFS licensed + OCC approvalNY since Jan 2017 · OCC 2 Apr 2026 | Issuance not in proposal2 Apr 2026 | NYDFS official OCC CD1370 official |
| RippleRipple Markets DE LLC (f/k/a XRP II LLC) · Ripple National Trust Bank | National trust bank (OCC) | NYDFS licensed + OCC approvalNY since Jun 2016 · OCC 12 Dec 2025 | Will not issue stablecoins12 Dec 2025 | NYDFS official OCC CA1359 official |
| BitstampBitstamp USA, Inc. | BitLicense | NYDFS licensedNY since Apr 2019 | No OCC decision | NYDFS official |
| BlockBlock, Inc., f/k/a Square, Inc. | BitLicense + money transmitter | NYDFS licensedNY since Jun 2018 | No OCC decision | NYDFS official |
| BullishBullish US Operations LLC | BitLicense + money transmitter | NYDFS licensedNY since Sep 2025 | No OCC decision | NYDFS official |
| eToroeToro NY LLC | BitLicense + money transmitter | NYDFS licensedNY since Feb 2023 | No OCC decision | NYDFS official |
| GeminiGemini Trust Company, LLC | NY trust company | NYDFS licensedNY since Oct 2015 | No OCC decision | NYDFS official |
| MastercardMastercard Transaction Services (US) LLC | BitLicense + money transmitter | NYDFS licensedNY since May 2026 | No OCC decision | NYDFS official |
| MoonPayMoonPay Trust Company, LLC · MoonPay USA LLC | NY trust company | NYDFS licensedNY since Jun 2025 | No OCC decision | NYDFS official |
| PayPalPayPal Digital, Inc. · PayPal, Inc. | NY trust company | NYDFS licensedNY since Jun 2022 | No OCC decision | NYDFS official |
| RobinhoodRobinhood Crypto, LLC | BitLicense + money transmitter | NYDFS licensedNY since Jan 2019 | No OCC decision | NYDFS official |
| Bridge (Stripe)Bridge National Trust Bank | National trust bank (OCC) | OCC conditional approvalOCC 12 Feb 2026 | Plans to issue stablecoins12 Feb 2026 | OCC CD1365 official |
| Crypto.comForis DAX National Trust Bank | National trust bank (OCC) | OCC conditional approvalOCC 20 Feb 2026 | Issuance not in proposal20 Feb 2026 | OCC CD1367 official |
| Fidelity Digital AssetsFidelity Digital Assets, National Association | National trust bank (OCC) | OCC conditional approvalOCC 12 Dec 2025 | Plans to issue stablecoins12 Dec 2025 | OCC CA1355 official |
| Morgan StanleyMorgan Stanley Digital Trust, National Association | National trust bank (OCC) | OCC conditional approvalOCC 18 Jun 2026 | Issuance not in proposal18 Jun 2026 | OCC CD1378 official |
| PaxosPaxos Trust Company, National Association | National trust bank (OCC) | OCC conditional approvalOCC 12 Dec 2025 | Plans to issue stablecoins12 Dec 2025 | OCC CA1358 official |
| World LibertyWorld Liberty Trust Company, National Association | National trust bank (OCC) | OCC conditional approvalOCC 14 Aug 2026 | Plans to issue stablecoins14 Aug 2026 | OCC CD1385 official |
| Binance.US | — | Not on either list | No OCC decision | NYDFS official OCC index official |
| Kraken | — | Not on either list | No OCC decision | NYDFS official OCC index official |
| Tether | — | Not on either list | No OCC decision | NYDFS official OCC index official |
| BastionBastion Platforms Trust Company, LLC · Bastion Platforms Trust Company (national trust bank) | National trust bank (OCC) | NYDFS licensed + OCC approvalNY since Feb 2025 · OCC 18 Sep 2026 | Plans to issue stablecoins18 Sep 2026 | NYDFS official OCC CD1391 official |
| Bakkt Financial Solutions IBakkt Financial Solutions I, LLC | BitLicense + money transmitter | NYDFS licensedNY since Mar 2021 | No OCC decision | NYDFS official |
| bitFlyer USAbitFlyer USA, Inc. | BitLicense | NYDFS licensedNY since Nov 2017 | No OCC decision | NYDFS official |
| BitOoda DigitalBitOoda Digital, LLC | BitLicense | NYDFS licensedNY since Feb 2022 | No OCC decision | NYDFS official |
| BitpayBitpay, Inc. | BitLicense | NYDFS licensedNY since Jul 2018 | No OCC decision | NYDFS official |
| Coin CafeCoin Cafe, Inc. | BitLicense | NYDFS licensedNY since Jan 2023 | No OCC decision | NYDFS official |
| Cottonwood VendingCottonwood Vending | BitLicense | NYDFS licensedNY since Jan 2019 | No OCC decision | NYDFS official |
| Cumberland New YorkCumberland New York LLC | BitLicense | NYDFS licensedNY since Jun 2024 | No OCC decision | NYDFS official |
| FiantProvenance Technologies, Inc. d/b/a Fiant | BitLicense + money transmitter | NYDFS licensedNY since Feb 2022 | No OCC decision | NYDFS official |
| Fireblocks Trust CompanyFireblocks Trust Company, LLC | NY trust company | NYDFS licensedNY since Aug 2024 | No OCC decision | NYDFS official |
| GalaxyOne Prime NYGalaxyOne Prime NY LLC | BitLicense + money transmitter | NYDFS licensedNY since May 2026 | No OCC decision | NYDFS official |
| GMO-Z.com Trust CompanyGMO-Z.com Trust Company, Inc. | NY trust company | NYDFS licensedNY since Dec 2020 | No OCC decision | NYDFS official |
| ICE Digital TrustICE Digital Trust, LLC | NY trust company | NYDFS licensedNY since Aug 2019 | No OCC decision | NYDFS official |
| LibertyXMoon Inc. d/b/a LibertyX | BitLicense | NYDFS licensedNY since Jan 2019 | No OCC decision | NYDFS official |
| NYDIGNYDIG Execution LLC · NYDIG Trust Company LLC | NY trust company | NYDFS licensedNY since Nov 2018 | No OCC decision | NYDFS official |
| Standard Custody & Trust CompanyStandard Custody & Trust Company, LLC | NY trust company | NYDFS licensedNY since May 2021 | No OCC decision | NYDFS official |
| WisdomTree Digital Trust CompanyWisdomTree Digital Trust Company, LLC | NY trust company | NYDFS licensedNY since Mar 2024 | No OCC decision | NYDFS official |
| Zap SolutionsZap Solutions, Inc. | BitLicense + money transmitter | NYDFS licensedNY since Feb 2026 | No OCC decision | NYDFS official |
| zerohashzerohash liquidity services llc(FKA Seed Digital Commodity Market, LLC) · zerohash llc | BitLicense + money transmitter | NYDFS licensedNY since Jul 2019 | No OCC decision | NYDFS official |
| AgoraAgora National Trust Bank | National trust bank (OCC) | OCC conditional approvalOCC 18 Sep 2026 | Plans to issue stablecoins18 Sep 2026 | OCC CD1393 official |
| Catena LabsCatena Trust Bank, N.A. | National trust bank (OCC) | OCC conditional approvalOCC 18 Sep 2026 | Issuance not in proposal18 Sep 2026 | OCC CD1392 official |
| Connectia (Sony Bank)Connectia Trust, National Association | National trust bank (OCC) | OCC conditional approvalOCC 2 Jul 2026 | Plans to issue stablecoins2 Jul 2026 | OCC CD1380 official |
| Laser Digital (Nomura)Laser Digital National Trust Bank | National trust bank (OCC) | OCC conditional approvalOCC 29 May 2026 | Issuance not in proposal29 May 2026 | OCC CD1377 official |
| NubankNubank, National Association | National trust bank (OCC) | OCC conditional approvalOCC 29 Jan 2026 | Issuance not in proposal29 Jan 2026 | OCC CA1362 official |
| ProtegoNational Digital Trust Company | National trust bank (OCC) | OCC conditional approvalOCC 13 Feb 2026 | Issuance not in proposal13 Feb 2026 | OCC CD1366 official |
Sources: NYDFS regulated entities (read 21 Oct 2026) and OCC charter decisions. Brands group their companies. Licences from other states are not covered. Methodology.
Analysis
- The GENIUS Act Takes Effect on 18 January 2027. 16 of Its Rules Are Still Proposals
21 Oct 2026 · Why the date is fixed, what becomes unlawful, which agencies have proposed what, and the 2028 deadlines for states and exchanges.
- The OCC Has Approved 17 Crypto Bank Charters Since December. 8 Plan Stablecoins
21 Oct 2026 · Circle, Ripple, Paxos, BitGo, Fidelity, Bridge, Crypto.com, Coinbase and others: what each decision says the bank will do, and what it will not.
- 39 Companies Hold a New York Crypto Licence. Who They Are
21 Oct 2026 · BitLicenses, money transmitter licences and trust charters by year, the 6 stablecoins approved in New York, and who is missing.
Latest News
Key Dates
- Deadline
GENIUS Act Takes Effect
- Deadline
Initial State Certifications
- Deadline
Offer Ban for Service Providers
Cite This Page
VASP Tracker, “GENIUS Act Tracker: US Stablecoin Licences and Charters”, https://vasptracker.com/en/us/ (accessed 22 Oct 2026). CC BY 4.0.