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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →The best fit depends on what you mean by “crypto-friendly”: banking and trading in one app, institutional crypto custody, or a platform that handles both crypto and some customer cash. This U.S.-focused shortlist covers five providers, but it is not an independently tested ranking—and they are not all banks.
How to compare crypto-friendly banks and platforms
Before choosing a provider, identify the service you actually need. A bank that allows transfers to an exchange is not necessarily offering crypto trading or custody. An exchange that holds some customer cash at partner banks is not necessarily a bank, either.
- Provider type: Is it a bank, a special-purpose depository institution, an exchange, a custodian, or infrastructure for other financial institutions?
- Who can use it: Check consumer versus institutional eligibility, location limits, onboarding requirements, and whether you need an existing exchange relationship.
- What it does: Separate deposits and payment services from trading, custody, staking, and stablecoin settlement. Availability of one service does not establish access to the others.
- What protection applies: Eligible deposits at insured institutions may qualify for deposit insurance, subject to coverage rules. Pass-through coverage depends on account structure and records. Crypto assets themselves are not FDIC-insured; a reserve policy is not the same as deposit insurance.
- How access works: Review custody, withdrawal terms, asset segregation disclosures, payment rails, and whether self-custody is available for the assets and service you plan to use.
| Provider | What it is | Best fit | Key qualification |
|---|---|---|---|
| SoFi | Consumer banking platform with in-app crypto trading | Eligible consumers seeking banking and crypto in one app | Crypto is not FDIC-insured or bank-guaranteed; consumer crypto eligibility is U.S.- and location-specific. |
| Kraken Financial | Wyoming-chartered special-purpose depository institution associated with Kraken | Eligible institutional and private clients seeking fiat accounts or digital-asset custody | Access is limited by client type and geography; deposits are not FDIC-insured. |
| Coinbase | Crypto platform and custody provider | Customers seeking crypto services, with conditional protections for some cash balances | Not a consumer bank; customer cash may be held in different types of assets and accounts. |
| Gemini | Crypto exchange and custodian | Customers seeking exchange and custody services | Reserve and segregation statements are Gemini’s own descriptions, not an independent audit conclusion or crypto insurance. |
| Anchorage Digital | Institutional digital-asset infrastructure provider | Institutions and, in limited circumstances, certain high-net-worth individuals | Services are delivered through separate subsidiaries; confirm the relevant service and eligibility. |
1. SoFi: consumer banking with in-app crypto
SoFi is the clearest match on this list for a consumer who wants banking and crypto trading within one app. SoFi announced that customers can buy, sell, and hold cryptocurrencies through SoFi Crypto. That does not make the crypto balance a bank deposit: SoFi says crypto is not FDIC-insured or guaranteed by a bank.
Who may qualify
SoFi’s eligibility information says applicants must be at least 18 and have a U.S. Social Security number or ITIN, along with qualifying U.S. citizenship, residency, or visa status. Applicants must have a physical address in one of the 50 states or Washington, D.C. The stated eligibility excludes U.S. territories and people residing abroad. Check SoFi’s current requirements before applying.
#1 Best Overall
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- Effortlessly build your crypto portfolio via the all in one Ledger Wallet app: buy, sell, send, receive, swap, stake and more across popular blockchains. 15,000+ coins & tokens in a single dashboard. Keep a close eye on the market. Compare service providers. Track performance. Get timely alerts. Build your portfolio with confidence.
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Business banking is a separate offering
In April 2026, SoFi announced Big Business Banking, an enterprise offering for fiat and crypto banking through its nationally chartered bank platform. The announcement describes enterprise partners; it does not establish broad availability to consumers or small businesses. Do not treat it as an extension of consumer SoFi Crypto eligibility.
2. Kraken Financial: specialized accounts and custody
Kraken Financial is a Wyoming-chartered Special Purpose Depository Institution. Kraken says the charter was granted in 2020 and that the institution is supervised by the Wyoming Division of Banking. Eligible institutional clients can apply for fiat deposit accounts and digital-asset custody; Kraken describes service to institutional and private clients in certain U.S. states, the United Kingdom, and Australia. Account access follows a Kraken relationship, and the stated geography does not mean every service is available in every listed location.
Rank #2
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Reserve requirements are not federal insurance
Kraken says deposits at Kraken Financial are not FDIC-insured. It also says Wyoming law requires fiat deposits—not digital assets—to be backed by at least 100% cash or high-quality liquid assets. That reserve requirement is distinct from federal deposit insurance and should not be read as a substitute for it.
What the Federal Reserve account changes
On March 4, 2026, Kraken announced that Kraken Financial had received a Federal Reserve master account. The company said rollout would be phased and initially focused on institutional client activity. The announcement concerns direct U.S. payment-system connectivity; it does not establish that ordinary exchange customers can open Kraken Financial accounts or immediately use every related capability.
Rank #3
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3. Coinbase: a crypto platform, not a retail bank
Coinbase is best understood as a crypto platform and custody provider. In April 2026, Coinbase said its conditional approval from the Office of the Comptroller of the Currency concerned custody and market infrastructure. Coinbase explicitly said it was not becoming a commercial bank, would not take retail deposits, and would not engage in fractional-reserve banking.
How Coinbase describes customer cash
Coinbase says U.S. customer cash may be held in FDIC-insured bank accounts, NCUSIF-insured credit-union accounts, and short-duration liquid investments such as U.S. government money market funds. Coinbase says pass-through deposit insurance may be available for qualifying cash held at a partner institution that fails, subject to accurate records, applicable coverage limits, and determinations by the receiver. Cash may not all be held in insured bank accounts at all times, and coverage may not apply once funds are invested in permitted products. Cryptocurrency is not covered by FDIC or NCUSIF deposit insurance.
Rank #4
- UNPARALLELED SECURITY: Protect your assets with Trezor Safe 5's NDA-free EAL 6+ Secure Element, offering robust defense and complete transparency.
- EFFORTLESS NAVIGATION: Experience seamless crypto management with the vibrant color touchscreen, designed for intuitive and user-friendly interactions.
- ENHANCED USER EXPERIENCE: Enjoy tactile confirmation with Trezor Touch Haptic Engine, making each interaction precise and engaging.
- SUPPORTS 1000s OF COINS & TOKENS: Securely handle thousands of assets, including Bitcoin, Ethereum, and more, all in one wallet.
- EASY ASSET MANAGEMENT: Monitor and transact seamlessly with Trezor Suite, our user-friendly desktop and mobile app
Coinbase’s insurance page labels its partner-institution list “as of May, 2025.” That dated list should not be treated as a verified current roster.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.4. Gemini: exchange and custodian with reserve disclosures
Gemini’s Trust Center describes the company as a full-reserve exchange and custodian, says customer funds held on Gemini are held 1:1 and available for withdrawal, and says customer fiat is segregated in accounts established for customers. Gemini also identifies Gemini Trust Company, LLC as a fiduciary and qualified custodian under New York Banking Law and says it is licensed by the New York State Department of Financial Services.
Best Value
- All your digital assets in one place. You can manage thousands of crypto including Bitcoin, Ethereum, Solana, Tether and more.
- Defend your identity against hackers: secure your online accounts with passwordless, hardware backed, 2FA logins for all your favorite apps and websites.
- Connectivity: USB-C cable connection only. No Bluetooth.Compatible with the Ledger Wallet crypto app, both desktop (Windows, macOS, Linux) and mobile (Android only). Not compatible with iOS.
- Protect your digital assets with the industry's best security: keep your private keys offline in your private signer, battle-tested by the Donjon's white hat hackers, CC EAL 6+ certified Secure Element, constantly updated Ledger OS.
- Effortlessly build your crypto portfolio via the all in one Ledger Wallet app: buy, sell, send, receive, swap, stake and more across popular blockchains. 15,000+ coins & tokens in a single dashboard. Keep a close eye on the market. Compare service providers. Track performance. Get timely alerts. Build your portfolio with confidence.
These are Gemini’s descriptions of its arrangements. They are not, by themselves, an independent audit conclusion, and they do not mean cryptocurrency balances have deposit insurance.
5. Anchorage Digital: institutional digital-asset services
Anchorage Digital describes a platform for institutions that combines custody, trading, staking, fiat accounts, settlement, and stablecoin services. It says those services are delivered by separate wholly owned subsidiaries and offered to institutions and, in limited circumstances, certain high-net-worth individuals.
Anchorage is therefore not a typical consumer checking-account option. A prospective client should confirm which subsidiary provides the needed service, whether it is available in the relevant geography, and whether the client meets that service’s eligibility requirements.
Are more banks adding crypto services?
Coinbase and Stablecore announced a partnership on September 16, 2026, to help community and regional banks and credit unions offer crypto trading, custody, and stablecoin payments through existing bank technology. The announcement said Amarillo National Bank was already participating. It also described Stablecore’s integration footprint as reaching more than 3,000 U.S. banks and credit unions; that is a claimed addressable footprint, not a count of institutions confirmed to have launched crypto services.
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For regulatory context, the Federal Reserve, FDIC, and OCC said in a July 14, 2025 joint statement that existing risk-management principles apply to bank crypto-asset safekeeping. The agencies said banks must operate safely and soundly and comply with applicable laws; the statement did not create new supervisory expectations. It is regulatory context, not an endorsement of any provider in this shortlist.
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