---
title: "What’s behind the crypto bank showdown"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278870586.md"
description: "Cryptocurrency firms are challenging major U.S. banks by seeking to collect customer deposits without adhering to the same capital requirements and regulations. This competition is part of a broader technological disruption in the banking industry, as these firms aim to capture the financial assets of American households and businesses."
datetime: "2026-03-12T11:07:16.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278870586.md)
  - [en](https://longbridge.com/en/news/278870586.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278870586.md)
---

# What’s behind the crypto bank showdown

Technology is disrupting the U.S. banking industry. Cryptocurrency firms are trying to compete directly with America’s largest banks in pursuit of the financial assets of the country’s households and businesses. But the crypto firms that want to collect customer deposits do not want to be subject to the capital requirements and banking regulations that govern America’s biggest banks. \[…\]

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