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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 institution would focus on digital-asset custody, including stablecoins, and related fiat services—but it is not an approved or operating bank.
What would Modern Treasury National Trust Bank do?
As described by Modern Treasury and reported by Cointelegraph, the proposed national trust bank would let customers custody and move stablecoins and fiat through an integrated service if regulators approve it. The company’s chief executive, Matt Marcus, said, “We believe stablecoins are foundational economic infrastructure for the future,” as quoted by Cointelegraph.
Cointelegraph also reported that Marcus said stablecoins had been fully integrated into Modern Treasury’s payments platform. That is a statement relayed by the outlet, not an independently reviewed technical description.
Has Modern Treasury received an OCC charter?
No approval is established. The company announced an application; that is not the same as receiving a charter, opening a bank, or being authorized to provide the proposed services. The OCC’s Digital Assets Licensing Applications page describes its table as a listing of pending applications and directs readers to the Corporate Applications Search tool for details.
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On October 7, 2026, Modern Treasury was not shown on the OCC page’s public pending-applications list. That omission alone does not establish whether the OCC has received the application, whether it is still in intake, or what other procedural status may apply. The OCC page is a live listing, not a dated decision notice.
Would it issue stablecoins or make loans?
No. The proposal’s company-reported scope excludes both stablecoin issuance and lending. Modern Treasury also says the proposed trust bank would operate separately from its existing payments business. The announcement does not establish that the new entity would take deposits, carry FDIC insurance, or have any particular launch date or approval timetable.
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What does this mean for customers now?
There is no basis in the announcement to treat the proposed bank as available for customer custody today. Any ability to custody or move stablecoins and fiat through the proposed entity depends on regulatory approval and the institution becoming operational.
Cointelegraph reported that Modern Treasury’s existing payments business had facilitated more than $600 billion in payments across hundreds of organizations. That is a company-attributed figure reported by the outlet; it describes the existing payments business, not the proposed bank or any custody activity.
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Sources and status
- Cointelegraph’s October 5, 2026 report relays the company’s announcement and proposed activities.
- The OCC’s Digital Assets Licensing Applications page was accessed October 7, 2026. Its public list did not include Modern Treasury on that date; the absence does not resolve the application’s intake status.
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