The US regulatory agency OCC (Office of the Comptroller of the Currency) recently approved federal trust charters for leading crypto companies such as Circle, Ripple, Paxos, BitGo, and Fidelity. This means these institutions are now permitted to legally conduct financial activities similar to traditional banks. This decision marks a significant breakthrough in the long-standing "banking dilemma" faced by the cryptocurrency industry—many crypto companies previously struggled to access formal banking services due to regulatory uncertainty. The approval not only clears compliance hurdles for these enterprises but also sends a positive signal from US regulators toward the gradual standardization of the digital asset industry. Industry experts believe this will further promote the mainstream adoption of crypto finance.