According to Mike Silagadze, many teams are trying to clone the crypto neobank strategy, but only a few will survive the execution reality of building a real, usable product, highlighting elevated survival risk for copycat platforms in this vertical (source: Mike Silagadze on X, Nov 21, 2025).

According to Eleanor Terrett, the Acting Comptroller Rodney Hood of the US Office of the Comptroller of the Currency (OCC) has issued a new letter reaffirming the OCC's preemption authority, which allows federal banking regulations to override conflicting state laws (source: Eleanor Terrett on Twitter, June 9, 2025). This move raises concerns among crypto banking professionals about the potential for stricter federal oversight and less regulatory flexibility at the state level. Traders should monitor how this could affect operational frameworks for crypto-friendly banks and related digital asset services, as increased federal intervention may impact the compliance landscape and influence the availability of crypto banking products nationwide.