{"id":65420,"date":"2026-03-13T17:00:03","date_gmt":"2026-03-13T14:00:03","guid":{"rendered":"https:\/\/coinengineer.net\/blog\/?p=65420"},"modified":"2026-03-13T11:34:28","modified_gmt":"2026-03-13T08:34:28","slug":"bitcoin-rules-for-banks-may-change","status":"publish","type":"post","link":"https:\/\/coinengineer.net\/blog\/bitcoin-rules-for-banks-may-change\/","title":{"rendered":"Bitcoin Rules for Banks May Change!"},"content":{"rendered":"<p dir=\"auto\">An important regulatory process that could affect Bitcoin\u2019s position within the banking system in the United States is coming to the agenda. The <strong>Bitcoin Policy Institute<\/strong> is preparing to examine the new Basel proposal drafted by the US Federal Reserve (<a href=\"https:\/\/coinengineer.net\/blog\/dxy-99-00-could-the-fed-react-to-the-conflict\/\"><strong>Fed<\/strong><\/a>), which will determine banks\u2019 risk assessments regarding Bitcoin.<\/p>\n<p dir=\"auto\">The proposal is considered to play a critical role in determining how major banks operating in the US will interact with Bitcoin and similar digital assets.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinengineer.net\/blog\/bitcoin-rules-for-banks-may-change\/#Fed_Preparing_to_Publish_New_Basel_Proposal\" title=\"Fed Preparing to Publish New Basel Proposal\">Fed Preparing to Publish New Basel Proposal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinengineer.net\/blog\/bitcoin-rules-for-banks-may-change\/#Basel_Rules_Classify_Bitcoin_as_a_High-Risk_Asset\" title=\"Basel Rules Classify Bitcoin as a High-Risk Asset\">Basel Rules Classify Bitcoin as a High-Risk Asset<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinengineer.net\/blog\/bitcoin-rules-for-banks-may-change\/#A_Critical_Process_for_the_Banking_Sector\" title=\"A Critical Process for the Banking Sector\">A Critical Process for the Banking Sector<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Fed_Preparing_to_Publish_New_Basel_Proposal\"><\/span>Fed Preparing to Publish New Basel Proposal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">According to information from officials, the Fed is expected to publish a draft in the coming days explaining how banks should apply risk-weighting rules under the Basel Accords. This regulation will particularly cover large-scale American banks.<\/p>\n<p dir=\"auto\">Following the publication of the proposal, an approximately 90-day public comment period will begin. During this period, financial institutions, industry representatives, and policy organizations will be able to submit their views and suggestions regarding the draft regulation to the authorities.<\/p>\n<p dir=\"auto\">The Bitcoin Policy Institute is among the organizations planning to take an active role in this process. The institution\u2019s goal is stated as ensuring that regulators adopt a more balanced and accurate framework when evaluating Bitcoin.<\/p>\n<p dir=\"auto\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-134741 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2024\/09\/bitcoin-and-fed.jpg\" alt=\"bitcoin, fed\" width=\"768\" height=\"350\" \/><\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Basel_Rules_Classify_Bitcoin_as_a_High-Risk_Asset\"><\/span>Basel Rules Classify Bitcoin as a High-Risk Asset<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Under the current Basel regulations, Bitcoin is considered a very high-risk asset on banks\u2019 balance sheets. Within this framework, a 1250% risk weight is applied to Bitcoin.<\/p>\n<p dir=\"auto\">This ratio requires banks to hold significantly higher capital when taking any position related to Bitcoin or providing services connected to this asset. Compared to traditional financial assets, this represents a very heavy capital requirement.<\/p>\n<p dir=\"auto\">Critics argue that this approach creates an effect that could limit banks\u2019 activities in the Bitcoin sector. High capital obligations can cause many financial institutions to avoid offering crypto asset services.<\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"A_Critical_Process_for_the_Banking_Sector\"><\/span>A Critical Process for the Banking Sector<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">The draft regulation prepared by the Fed is seen as an important part of the ongoing discussions regarding the position of digital assets within the global banking system. Policymakers in the US have long been debating how crypto assets should be integrated into the traditional financial system.<\/p>\n<p dir=\"auto\">Industry representatives believe that the final decision could be decisive in whether banks expand their services related to Bitcoin. If the regulations maintain the current risk approach, many banks are expected to continue keeping their distance from the crypto sector.<\/p>\n<p dir=\"auto\">Conversely, if a more balanced risk assessment model is adopted, it could open the door for traditional financial institutions to engage more actively with the Bitcoin ecosystem. Therefore, the Fed\u2019s proposal regarding the Basel application is being closely monitored by both the banking sector and the crypto market.<\/p>\n<p dir=\"auto\"><em>You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don\u2019t forget to follow us on our\u00a0<a href=\"https:\/\/t.me\/coinengineernews\" target=\"_blank\" rel=\"noreferrer noopener\">Telegram,\u00a0<\/a><a href=\"https:\/\/www.youtube.com\/@CoinEngineer\" target=\"_blank\" rel=\"noreferrer noopener\">YouTube<\/a>,\u00a0and\u00a0<a href=\"https:\/\/twitter.com\/coinengineers\">Twitter<\/a>\u00a0channels for the latest news and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An important regulatory process that could affect Bitcoin\u2019s position within the banking system in the United States is coming to the agenda. The Bitcoin Policy Institute is preparing to examine the new Basel proposal drafted by the US Federal Reserve (Fed), which will determine banks\u2019 risk assessments regarding Bitcoin. The proposal is considered to play<\/p>\n","protected":false},"author":29,"featured_media":58989,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,2],"tags":[8894,61,12938,60,640],"class_list":["post-65420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news","category-news","tag-banks","tag-bitcoin","tag-bitcoin-policy-institute","tag-btc","tag-fed"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bitcoin Rules for Banks May Change! - Coin Engineer<\/title>\n<meta name=\"description\" content=\"The Fed is preparing to review the new Basel guidelines it has developed, which will determine banks&#039; risk assessments regarding Bitcoin.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coinengineer.net\/blog\/bitcoin-rules-for-banks-may-change\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bitcoin Rules for Banks May Change! 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