◆ TOP PICK
#1 8.5 / 10
Revolut
The all-in-one account — banking, crypto, investing
USDC APY 12.3%
● 🇺🇸 United States · 9 platforms available 9 PLATFORMS UPDATED 23 APR 2026
Best Crypto Banks in the US 2026
FDIC-insured options for US crypto users. Note: most global platforms do not operate in the US. Updated April 2026.
§ 02 REGULATORS WE CHECK
Seven authorities. One passport.
◆ 01
OCC
◆ 02
SEC
◆ 03
FDIC
◆ 04
NYDFS
◆ 05
CFTC
◆ 06
FinCEN
◆ 07
State MT
◆ PRIMER
What the GENIUS Act actually changes.
The GENIUS Act (signed July 2025) is the first comprehensive US framework for stablecoin issuers, qualified custodians, and crypto-bank charter applications. Within six months, the OCC began processing trust bank applications from crypto-native firms, and Wyoming SPDI charters became the de facto path for institutional crypto banks.
What changes for users: FDIC insurance on the USD leg of a crypto account is now a real, auditable status — not a marketing claim. We only mark a platform as FDIC-insured if the coverage is issued to the platform itself, not swept through an intermediary partner bank.
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§ FULL RANKING
Every platform we track, compared on every axis.
Updated weekly. Scores are weighted — regulatory safety at 2×, card + IBAN at 1.5×, yield at 1×. Sortable by any column. Click a name for the full review.
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# PLATFORM LICENCE REGIONS TOP APY CARD IBAN POR SPREAD SCORE ▾ ACTION
◆ AFFILIATE DISCLOSURE — commission on 5 of 9 links · payout does not influence rank ·
see methodology → AUTO-REFRESH DAILY
REGULATORY SAFETY 2×
Bank licence, MiCA, FDIC, deposit insurance
CARD + IBAN 1.5×
Multi-currency, global card, ATM coverage
TRANSPARENCY 1.5×
Proof of Reserves, audit cadence, public filings
YIELD 1×
Stablecoin APY net of token requirements
§ 04 FAQ
Frequently Asked Questions
Are any crypto banks FDIC insured in the US? +
Kraken Bank (Krak) holds a Wyoming SPDI charter and offers FDIC-insured USD deposits up to $250,000. Fold is also Nasdaq-listed and FDIC-insured on its USD side. Most other crypto platforms (Nexo, Crypto.com) are not FDIC insured.
What happened to US crypto bank options after 2022? +
After FTX, Celsius, and BlockFi collapsed in 2022, many crypto yield platforms exited the US market. Nexo stopped serving US customers. The GENIUS Act (July 2025) and new OCC crypto bank charters in 2025-2026 have reopened the market with stronger regulatory frameworks.
Can US residents earn yield on crypto? +
Yes, but options are limited compared to Europe. Kraken Bank and Fold offer regulated crypto services. For yield specifically, Ledn serves US users with Bitcoin savings accounts and Proof of Reserves. Always verify current US availability directly with each platform.
What is the GENIUS Act and how does it affect crypto banks? +
The GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins), signed July 2025, created the first comprehensive US regulatory framework for stablecoin issuers and crypto custodians. It provides clearer rules for crypto banks operating in the US and has encouraged new OCC charter applications.