Recent developments, particularly from the OCC, have begun to pave the way for greater bank involvement in the cryptocurrency space. Perhaps the strongest argument for allowing banks to provide products and services in cryptocurrency, and to own cryptocurrencies directly, is their unique ability to bring trust and stability to a market that desperately needs it. The high-profile collapses of platforms like FTX, Celsius, Voyager, and BlockFi underscored the risks of operating in a largely unregulated environment. By contrast, banks offer a level of security and oversight that is unmatched in the cryptocurrency space. FDIC insurance, rigorous compliance standards, and robust risk management protocols mean that customers can engage with digital assets through a bank with far greater confidence than they can through a standalone crypto exchange or lightly regulated fintech. Allowing banks to own cryptocurrencies would leverage this infrastructure to create a safer, more reliable ecosystem for digital assets. It is a multi-trillion-dollar asset class and banks that can custody, trade, and hold digital assets stand to capture a share of this growing market. More importantly, engaging with cryptocurrencies will allow banks to remain competitive in an era where younger generations—millennials and Gen Z—are increasingly integrating digital assets into their financial lives. By owning and integrating cryptocurrencies into their operations, banks can bridge the gap between traditional finance and the emerging digital economy.