Until now, issuing a stablecoin in the United States meant weaving through a patchwork of state‐level money-transmitter and BitLicense regimes. The Office of the Comptroller of the Currency (OCC) has taken the next step: Interpretive Letter 1183 confirms that national banks and federal savings associations may custody crypto-assets and issue stablecoins without a case-by-case “no-objection” process.
In Congress, the GENIUS Act would require state-chartered issuers with more than USD 10 billion outstanding to migrate to federal oversight, unifying rules on reserves, reporting and consumer protection. No surprise that big companies such as Circle, Ripple and BitGo are already applying for national charters: a single license, potential access to Fed master accounts and a “bank-grade trust” narrative for corporate clients.
A companion FDIC guidance (FIL-7-2025) allows banks to engage in crypto activities without prior approval, provided they can evidence strong controls in these four areas. The upshot: clear, uniform rules that apply across all 50 states.
For businesses in Mexico and LATAM, the forthcoming federal charter offers a concrete strategic upside: by delivering a single supervisory framework blessed by the OCC and FDIC, it lowers counter-party risk and enables near-instant B2B cross-border payments that integrate more smoothly with regional ERPs and banking partners.
This unified standard also streamlines local compliance; in Mexico, for example, the 2018 Fintech Law mandates AML reporting but sets no specific reserve requirements for stablecoins, so transacting in 100 % dollar-backed, externally audited coins lets fintechs and corporates prove solvency and traceability to Banxico and the CNBV more quickly.
Finally, parking liquidity in a regulated stablecoin gives companies that invoice in USD and spend in MXN, BRL or CLP a natural FX hedge, trimming spreads while staying within each country’s virtual-asset rules.
The Federal Charter is poised to make stablecoins the default dollar infrastructure for corporate payments. As a finance or operations leader at a LATAM B2B company, getting ahead of this shift gives you a double advantage: you can design global treasury flows with dramatically lower liquidity and reconciliation costs than traditional rails, and you gain bargaining power with banks and vendors by proving you already operate with assets regulated under U.S. banking standards—reducing regulatory friction as you expand into new markets. Those who prepare now will secure near-instant liquidity, lower costs and bank-grade compliance across the continent.
Ready to modernize your payment stack? Remember that Bitso Business is a great partner for integrating regulated stablecoins into your value chain.