The US financial system has begun a tangible transition to blockchain rails. Three major agencies have confirmed the strategic pivot: the SEC approved securities tokenization, the Treasury dropped digital assets from its systemic risk list, and Congress is pushing for Bitcoin in retirement plans.
SEC Chair Paul Atkins confirmed that markets are moving on-chain, stating the regulator will lead, rather than impede, this process.
Green Light For RWA
A key shift occurred in infrastructure. The Depository Trust & Clearing Corporation (DTCC) — the nation's central clearing hub — secured a No-Action Letter from the SEC. This allows its subsidiary, DTC, to launch a service for tokenizing real-world assets (RWA) in a fully compliant environment.
The platform will provide digital assets with the same legal standing and protections as traditional securities. The DTCC is set to roll out the service in the second half of 2026. Major players can now use blockchain for the custody and settlement of assets that previously relied on outdated centralized ledgers.
End Of The War On Crypto
The Financial Stability Oversight Council (FSOC) has also reversed its stance. In its annual report, the agency removed cryptocurrencies from its list of financial system vulnerabilities. Treasury Secretary Scott Bessent emphasized that the watchdog will no longer hunt for enemies but will instead focus on economic growth.
Moreover, the report includes a crucial forecast: the use of dollar-denominated stablecoins is expected to reinforce the US dollar’s global dominance over the next decade. Rhetoric regarding risks remains only in the section on illicit finance, marking a tonal shift from prohibitive to pragmatic.
Pensions In Bitcoin
Lawmakers are moving to cement this progress. Members of the House Financial Services Committee sent a letter to Atkins urging an update to rules for 401(k) plans. Congressmen insist that Americans must have the right to include cryptocurrencies in their retirement portfolios.
This initiative aligns with President Donald Trump’s executive order on democratizing access to investments. Concurrently, lawmakers are pushing to revise the accredited investor definition, opening access to complex financial instruments not just to millionaires, but to qualified industry professionals.
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