Tracker: digital-asset charter perimeter monitor

18 OCC / state national-trust and digital-bank charter applicants — the perimeter cohort, reconciled daily against the OCC applications-received roster. This is the perimeter cohort only; the charter monitor carries every charter in formation, insured and uninsured, and both pages read the same underlying records.

Rain National Trust Bank, Charter Independent National Bank (Trust Bank)

Pending

Oct 5, 2026

Modern Treasury National Trust Bank, Charter National Bank Under Holding Company (Trust Bank)

Pending

Oct 1, 2026

zerohash national trust bank — zerohash, Uninsured national trust bank

Application filed (OCC, received 2026-08-19) — second filing; first application returned 2026-07-17

Aug 19, 2026

Nayax America Bank Inc. — Nayax Ltd. / Nayax USA Holdings Inc., Connecticut Innovation Bank (non-depository)

Application Filed

Aug 6, 2026

Dakota National Trust Bank — Dakota Ridge, Inc. (Boulder, CO; DE-incorporated), De novo national trust bank (uninsured)

Application Filed — under OCC review

Jul 28, 2026

CBW Bank — CBW, National bank application; deposit-insurance status unresolved

Pending

Jun 26, 2026

Catena Trust Bank, N.A. — Catena Labs, Uninsured national trust bank

Conditional approval (OCC) -- preliminary

May 18, 2026

Payward National Trust Company — Payward, Inc. (parent of Kraken), Uninsured national trust bank

Pending (public comment)

May 8, 2026

Agora National Trust Bank — Agora Atlas Corporation, Uninsured national trust bank

Conditional approval (OCC) -- preliminary

Apr 20, 2026

OpenReserve Bank, National Association, National bank

Preliminary conditional approval (OCC)

Apr 15, 2026

Lorum National Trust Bank, N.A. — Lorum Group Holdings Inc. (fka Fuse), Uninsured national trust bank

Pending (public comment)

Mar 31, 2026

Bastion Platforms National Trust Company — Bastion Platforms, Uninsured national trust bank

Conditional approval (OCC) -- conversion

Mar 30, 2026

EDX Trust, N.A. — EDX Markets Holding Company, Uninsured national trust bank

Pending (public comment)

Mar 26, 2026

Revolut Bank US, N.A. — Revolut, National bank (full-service, insured)

Preliminary conditional approval (OCC)

Mar 5, 2026

PAYO Digital Bank, N.A. — Payoneer, Uninsured national trust bank

Pending (public comment; ICBA opposition filed)

Feb 23, 2026

World Liberty Trust Company, N.A. — World Liberty, Uninsured national trust bank

Preliminary conditional approval (OCC CD #1385) — final approval pending pre-opening requirements

Jan 6, 2026

Circle New York Trust (Circle Internet Trust Company LLC) — Circle Internet Group, Inc., New York limited-purpose trust company (state)

State Trust Charter Granted

Builders Bank & Trust, National Association — Block, Inc. (NYSE: XYZ), Uninsured national trust bank (OCC)

Application announced by the applicant; subject to OCC review and approval

Facts above are drawn from primary records: federal data, regulators' filings and the banks' own announcements. Where a stage rests on a structural record rather than a document, the row names that record, and some older records are still being re-sourced against primary documents. Items marked "Developing" come from such a record but have not yet been confirmed by an editor. Updated October 15, 2026.