Circle now has a federal bank charter. However, the charter provides no ordinary checking accounts, FDIC-insured savings accounts, or mortgages. Circle National Trust is part of a new federal cohort built around custody, fiduciary administration, stablecoin reserves, and settlement. Ripple, BitGo, Fidelity Digital Assets, Paxos, Bridge, Crypto.com, Coinbase, Morgan Stanley and World Liberty Financial have
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