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The Federal Reserve has proposed the introduction of new payment accounts that would grant fintech and cryptocurrency firms limited access to the central bank’s payment system for transaction settlement and clearing.
This marks a significant development, as it could enable crypto-related companies to transfer funds more efficiently and directly—reducing their dependence on traditional banking intermediaries.
The proposal has already drawn considerable attention across financial markets. With President Trump advocating for accelerated innovation and more flexible financial regulations, industry observers are closely monitoring the potential progression of this initiative.
If implemented, the measure could subtly reshape the flow of money within the U.S. financial system—an impact that markets may not yet have fully anticipated.

