The OCC’s NR 2025-16 update isn’t just policy tweaks - it’s wiring the financial system for crypto 

Let’s unpack the linked docs that make this shift possible 

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general counsel @ 1kx // co-founder @ thing3 // summoner @ hydra ventures

Opportunity 1: Neobank acceleration

The CRMP amendments (SR-OCC-2025-001 p.10-16) formalize 30-day risk calibration cycles and clearer fintech partnership guardrails

This means faster approvals - the linked margin updates let digital banks scale without capital hangups

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Opportunity 3: Compliance as code

The 2025 Risk Priorities blueprint shows why a reg sandbox matters. With operational risk now including “cyber posture” assessments (p.13), startups could get 12 months to stress-test embedded finance models w/o legacy compliance drag

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Banks are back in crypto! This isn’t deregulation - it’s recoding the rulebook for the future 

Full text: https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-16.html

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Opportunity 2: Blockchain rails go mainstream

The Default Management Program revisions, combined with new crypto custody language, creates the chance for real-time onchain settlement. 

Banks can finally bridge TradFi/DeFi

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