{
 "dataset": "cryptobanking.news bank scorecards",
 "url": "https://cryptobanking.news/banks/scorecards/",
 "generatedAt": "2026-10-23T21:44:32.050Z",
 "license": {
  "name": "CC BY 4.0",
  "url": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Attribute “cryptobanking.news” with a link to https://cryptobanking.news. Quoted source text remains the property of its publishers."
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 "methodology": {
  "url": "https://cryptobanking.news/methodology/#readiness-score",
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    "https://cryptobanking.news/item/mas-bnm-bot-bloom-cross-border-digital-money/",
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    "https://cryptobanking.news/item/jpm-coin-jpmd-institutional/"
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   "url": "https://cryptobanking.news/banks/hsbc/",
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    {
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    "US",
    "EU",
    "UK",
    "SG",
    "AE"
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    "hsbc-gold-token-orion"
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    "https://cryptobanking.news/item/hsbc-redcoin-launch-payme/",
    "https://cryptobanking.news/item/hsbc-names-stablecoin-redcoin/",
    "https://cryptobanking.news/item/hsbc-stanchart-tokenised-deposit-swift-blockchain/",
    "https://cryptobanking.news/item/swift-blockchain-ledger-17-banks/",
    "https://cryptobanking.news/item/hkma-stablecoin-issuer-licences/"
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  {
   "id": "swissquote-bank-europe",
   "name": "Swissquote Bank Europe",
   "legalName": "Swissquote Bank Europe SA",
   "lei": "549300M2IHOB9P5WE714",
   "hq": "Luxembourg",
   "url": "https://cryptobanking.news/banks/swissquote-bank-europe/",
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   "insufficientData": true,
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    {
     "key": "commercial",
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     "known": false,
     "basis": "No verified status — not scored"
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    {
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    },
    {
     "key": "technical",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
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     "points": 5,
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    {
     "key": "recency",
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     "known": true,
     "initiative": "swissquote-mica-casp",
     "basis": "Last verified change 2026-04-24"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "swissquote-mica-casp"
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   "items": [
    "https://cryptobanking.news/item/swissquote-bank-europe-casp-licence/"
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   "lastVerified": "2026-10-22"
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  {
   "id": "first-abu-dhabi-bank",
   "name": "First Abu Dhabi Bank",
   "legalName": "First Abu Dhabi Bank PJSC",
   "lei": null,
   "hq": "United Arab Emirates",
   "url": "https://cryptobanking.news/banks/first-abu-dhabi-bank/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
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    {
     "key": "commercial",
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     "known": false,
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    },
    {
     "key": "regulatory",
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     "points": 12.5,
     "known": true,
     "initiative": "fab-ddsc-dirham-stablecoin",
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    },
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     "known": false,
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    {
     "key": "breadth",
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     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
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    {
     "key": "recency",
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     "known": true,
     "initiative": "fab-ddsc-dirham-stablecoin",
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   ],
   "markets": [
    "AE"
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   "initiatives": [
    "fab-ddsc-dirham-stablecoin"
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   "items": [
    "https://cryptobanking.news/item/ddsc-cbuae-approval-vara-exchanges/"
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   "lastVerified": "2026-10-22"
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  {
   "id": "swift",
   "name": "Swift",
   "legalName": "S.W.I.F.T. SCRL",
   "lei": null,
   "hq": "Belgium (global)",
   "url": "https://cryptobanking.news/banks/swift/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
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    {
     "key": "commercial",
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     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
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    {
     "key": "technical",
     "label": "Technical delivery",
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     "points": 15,
     "known": true,
     "initiative": "swift-shared-ledger",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
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     "basis": "1 product category with a verified status: Tokenized deposits"
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    {
     "key": "recency",
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     "basis": "Last verified change 2026-08-20"
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   ],
   "markets": [],
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    "swift-shared-ledger"
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   "items": [
    "https://cryptobanking.news/item/hsbc-stanchart-tokenised-deposit-swift-blockchain/",
    "https://cryptobanking.news/item/swift-blockchain-ledger-17-banks/"
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   "lastVerified": "2026-10-22"
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  {
   "id": "standard-chartered",
   "name": "Standard Chartered",
   "legalName": "Standard Chartered PLC",
   "lei": null,
   "hq": "United Kingdom",
   "url": "https://cryptobanking.news/banks/standard-chartered/",
   "score": 88,
   "insufficientData": false,
   "knownDimensions": 3,
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    {
     "key": "commercial",
     "label": "Commercial availability",
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     "points": 35,
     "known": true,
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    {
     "key": "regulatory",
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     "points": 12.5,
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    },
    {
     "key": "technical",
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     "known": true,
     "initiative": "sc-institutional-spot-crypto-trading",
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    {
     "key": "breadth",
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     "known": true,
     "basis": "3 product categories with a verified status: Tokenized deposits, Stablecoin issuance, Custody & trading"
    },
    {
     "key": "recency",
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     "points": 5,
     "known": true,
     "initiative": "swift-shared-ledger",
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   ],
   "markets": [
    "MY",
    "UK",
    "AE"
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   "initiatives": [
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    "sc-institutional-spot-crypto-trading",
    "sc-uae-digital-asset-custody",
    "zodia-custody-uk"
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   "items": [
    "https://cryptobanking.news/item/mas-bnm-bot-bloom-cross-border-digital-money/",
    "https://cryptobanking.news/item/stanchart-stablecoin-controls/",
    "https://cryptobanking.news/item/hsbc-stanchart-tokenised-deposit-swift-blockchain/",
    "https://cryptobanking.news/item/swift-blockchain-ledger-17-banks/",
    "https://cryptobanking.news/item/hkma-stablecoin-issuer-licences/",
    "https://cryptobanking.news/item/bnm-daih-ringgit-stablecoins-tokenised-deposits/"
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   "lastVerified": "2026-10-24"
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  {
   "id": "citi",
   "name": "Citi",
   "legalName": "Citigroup Inc.",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/citi/",
   "score": 65,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
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     "points": 35,
     "known": true,
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     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "citi-token-services",
     "basis": "Live — commercial, within explicit scope"
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    {
     "key": "breadth",
     "label": "Product breadth",
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     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
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    {
     "key": "recency",
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     "known": true,
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   ],
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    "EU",
    "UK",
    "HK",
    "SG",
    "JP",
    "AE"
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   "initiatives": [
    "citi-token-services"
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   "items": [],
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  {
   "id": "sg-forge",
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   "legalName": "Société Générale - Forge",
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   "hq": "France",
   "url": "https://cryptobanking.news/banks/sg-forge/",
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   "insufficientData": false,
   "knownDimensions": 3,
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     "key": "commercial",
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     "points": 35,
     "known": true,
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     "basis": "Live — commercial, within explicit scope"
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    {
     "key": "regulatory",
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     "points": 25,
     "known": true,
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    {
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     "points": 20,
     "known": true,
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     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
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     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
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     "points": 0,
     "known": true,
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   ],
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    "EU"
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   "initiatives": [
    "sgforge-eurcv",
    "sgforge-usdcv"
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   "items": [],
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   "hq": "Singapore",
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   "insufficientData": false,
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     "known": true,
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    {
     "key": "regulatory",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
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     "points": 15,
     "known": true,
     "initiative": "dbs-token-services",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
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     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
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     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "SG"
   ],
   "initiatives": [
    "dbs-token-services"
   ],
   "items": [
    "https://cryptobanking.news/item/mas-bnm-bot-bloom-cross-border-digital-money/"
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   "lastVerified": "2026-10-22"
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  {
   "id": "bbva",
   "name": "BBVA",
   "legalName": "Banco Bilbao Vizcaya Argentaria, S.A.",
   "lei": "K8MS7FD7N5Z2WQ51AZ71",
   "hq": "Spain",
   "url": "https://cryptobanking.news/banks/bbva/",
   "score": 85,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
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     "points": 35,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
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    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
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     "points": 15,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
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    },
    {
     "key": "technical",
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     "points": 20,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
     "basis": "Live — commercial, within explicit scope"
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    {
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     "label": "Product breadth",
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     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Custody & trading"
    },
    {
     "key": "recency",
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     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
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   ],
   "markets": [
    "EU"
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   "initiatives": [
    "qivalis-euro-stablecoin",
    "bbva-spain-crypto-retail"
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   "items": [],
   "lastVerified": "2026-10-24"
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  {
   "id": "ubs",
   "name": "UBS",
   "legalName": "UBS Group AG",
   "lei": null,
   "hq": "Switzerland",
   "url": "https://cryptobanking.news/banks/ubs/",
   "score": 55,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "ubs-tokenize-umint",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "ubs-tokenize-umint",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
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     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Tokenized assets, Tokenized deposits"
    },
    {
     "key": "recency",
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     "points": 5,
     "known": true,
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   ],
   "markets": [
    "SG",
    "CH"
   ],
   "initiatives": [
    "ubs-tokenize-umint",
    "ubs-digital-cash"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
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  {
   "id": "emirates-nbd",
   "name": "Emirates NBD",
   "legalName": "Emirates NBD Bank PJSC",
   "lei": null,
   "hq": "United Arab Emirates",
   "url": "https://cryptobanking.news/banks/emirates-nbd/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "enbd-liv-x-crypto",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "enbd-liv-x-crypto",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "AE"
   ],
   "initiatives": [
    "enbd-liv-x-crypto"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "deutsche-bank",
   "name": "Deutsche Bank",
   "legalName": "Deutsche Bank Aktiengesellschaft",
   "lei": "7LTWFZYICNSX8D621K86",
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/deutsche-bank/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "deutsche-bank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "deutsche-bank-mica-art60",
     "basis": "Last verified change 2026-10-12"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "deutsche-bank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "commerzbank",
   "name": "Commerzbank",
   "legalName": "Commerzbank Aktiengesellschaft",
   "lei": "851WYGNLUQLFZBSYGB56",
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/commerzbank/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "commerzbank-crypto-custody-corporates",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "commerzbank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "commerzbank-crypto-custody-corporates",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "commerzbank-mica-art60",
    "commerzbank-crypto-custody-corporates"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "dz-bank",
   "name": "DZ BANK",
   "legalName": "DZ BANK AG Deutsche Zentral-Genossenschaftsbank",
   "lei": "529900HNOAA1KXQJUQ27",
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/dz-bank/",
   "score": 38,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "dz-bank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin",
    "dz-bank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "caixabank",
   "name": "CaixaBank",
   "legalName": "CAIXABANK S.A.",
   "lei": "7CUNS533WID6K7DGFI87",
   "hq": "Spain",
   "url": "https://cryptobanking.news/banks/caixabank/",
   "score": 38,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "caixabank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin",
    "caixabank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "openbank",
   "name": "Openbank",
   "legalName": "OPEN BANK S.A.",
   "lei": "5493000LM0MZ4JPMGM90",
   "hq": "Spain",
   "url": "https://cryptobanking.news/banks/openbank/",
   "score": 85,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "openbank-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "openbank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "openbank-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Crypto services, Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "openbank-crypto-trading",
     "basis": "Last verified change 2025-11-11"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "openbank-crypto-trading",
    "openbank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-23"
  },
  {
   "id": "piraeus-bank",
   "name": "Piraeus Bank",
   "legalName": "PIRAEUS BANK Société Anonyme (S.A.)",
   "lei": "213800OYHR1MPQ5VJL60",
   "hq": "Greece",
   "url": "https://cryptobanking.news/banks/piraeus-bank/",
   "score": 38,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "piraeus-bank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Custody & trading, Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "piraeus-bank-mica-art60",
     "basis": "Last verified change 2026-08-07"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "piraeus-bank-mica-art60",
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "lgt-bank",
   "name": "LGT Bank",
   "legalName": "LGT Bank AG",
   "lei": "7KDSOB6Z0X4S67TMX170",
   "hq": "Liechtenstein",
   "url": "https://cryptobanking.news/banks/lgt-bank/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "lgt-bank-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "lgt-bank-mica-art60",
     "basis": "Last verified change 2025-12-19"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "lgt-bank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "bank-frick",
   "name": "Bank Frick",
   "legalName": "Bank Frick AG",
   "lei": "529900RQOBT3ZJMDRK43",
   "hq": "Liechtenstein",
   "url": "https://cryptobanking.news/banks/bank-frick/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "bank-frick-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "bank-frick-mica-art60",
     "basis": "Last verified change 2025-12-23"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "bank-frick-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "trade-republic",
   "name": "Trade Republic Bank",
   "legalName": "Trade Republic Bank GmbH",
   "lei": "5299009IFX1XTKDY4568",
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/trade-republic/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "trade-republic-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "trade-republic-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "n26",
   "name": "N26",
   "legalName": "N26 Bank SE",
   "lei": "529900JB9XYZ8E87N345",
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/n26/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "n26-mica-art60",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "n26-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "bny",
   "name": "BNY",
   "legalName": "The Bank of New York Mellon Corporation",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/bny/",
   "score": 50,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "bny-digital-asset-custody",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "bny-digital-asset-custody",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "bny-digital-asset-custody",
     "basis": "Last verified change 2026-10-08"
    }
   ],
   "markets": [
    "US",
    "EU"
   ],
   "initiatives": [
    "bny-digital-asset-custody"
   ],
   "items": [],
   "lastVerified": "2026-10-23"
  },
  {
   "id": "sbi-vc-trade",
   "name": "SBI VC Trade (SBI Holdings)",
   "legalName": "SBI VC Trade Co., Ltd.",
   "lei": null,
   "hq": "Japan",
   "url": "https://cryptobanking.news/banks/sbi-vc-trade/",
   "score": 38,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 25,
     "known": true,
     "initiative": "sbi-vc-trade-usdc",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "sbi-vc-trade-usdc",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "JP"
   ],
   "initiatives": [
    "sbi-vc-trade-usdc"
   ],
   "items": [],
   "lastVerified": "2026-10-23"
  },
  {
   "id": "banco-inter",
   "name": "Inter (Banco Inter)",
   "legalName": "Banco Inter S.A.",
   "lei": null,
   "hq": "Brazil",
   "url": "https://cryptobanking.news/banks/banco-inter/",
   "score": 45,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "inter-crypto-trading",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "inter-crypto-trading",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "BR"
   ],
   "initiatives": [
    "inter-crypto-trading"
   ],
   "items": [],
   "lastVerified": "2026-10-23"
  },
  {
   "id": "sofi",
   "name": "SoFi",
   "legalName": "SoFi Bank, N.A. (SoFi Technologies, Inc.)",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/sofi/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "sofi-earn-sofie",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "sofi-earn-sofie",
     "basis": "Last verified change 2026-10-22"
    }
   ],
   "markets": [
    "US"
   ],
   "initiatives": [
    "sofi-earn-sofie"
   ],
   "items": [
    "https://cryptobanking.news/item/sofi-earn-sofie-tokenized-deposit/"
   ],
   "lastVerified": "2026-10-23"
  },
  {
   "id": "ing",
   "name": "ING",
   "legalName": "ING Groep N.V.",
   "lei": null,
   "hq": "Netherlands",
   "url": "https://cryptobanking.news/banks/ing/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "unicredit",
   "name": "UniCredit",
   "legalName": "UniCredit S.p.A.",
   "lei": null,
   "hq": "Italy",
   "url": "https://cryptobanking.news/banks/unicredit/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "bnp-paribas",
   "name": "BNP Paribas",
   "legalName": "BNP Paribas SA",
   "lei": null,
   "hq": "France",
   "url": "https://cryptobanking.news/banks/bnp-paribas/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "kbc",
   "name": "KBC",
   "legalName": "KBC Group NV",
   "lei": null,
   "hq": "Belgium",
   "url": "https://cryptobanking.news/banks/kbc/",
   "score": 23,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin",
    "kbc-bolero-crypto"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "danske-bank",
   "name": "Danske Bank",
   "legalName": "Danske Bank A/S",
   "lei": null,
   "hq": "Denmark",
   "url": "https://cryptobanking.news/banks/danske-bank/",
   "score": 54,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "danske-bank-sweden-crypto-etps",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU",
    "SE"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin",
    "danske-bank-sweden-crypto-etps"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "dekabank",
   "name": "DekaBank",
   "legalName": "DekaBank Deutsche Girozentrale",
   "lei": null,
   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/dekabank/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "seb",
   "name": "SEB",
   "legalName": "Skandinaviska Enskilda Banken AB (publ)",
   "lei": null,
   "hq": "Sweden",
   "url": "https://cryptobanking.news/banks/seb/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "raiffeisen-bank-international",
   "name": "Raiffeisen Bank International (RBI)",
   "legalName": "Raiffeisen Bank International AG",
   "lei": null,
   "hq": "Austria",
   "url": "https://cryptobanking.news/banks/raiffeisen-bank-international/",
   "score": 24,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 5.3,
     "known": true,
     "initiative": "rbi-bitpanda-cee",
     "basis": "Developing / partnership established"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Crypto services, Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "rbi-bitpanda-cee",
     "basis": "Last verified change 2026-09-23"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "rbi-bitpanda-cee",
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "banca-sella",
   "name": "Banca Sella",
   "legalName": "Banca Sella S.p.A.",
   "lei": null,
   "hq": "Italy",
   "url": "https://cryptobanking.news/banks/banca-sella/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "erste-group",
   "name": "Erste Group",
   "legalName": "Erste Group Bank AG",
   "lei": null,
   "hq": "Austria",
   "url": "https://cryptobanking.news/banks/erste-group/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "intesa-sanpaolo",
   "name": "Intesa Sanpaolo",
   "legalName": "Intesa Sanpaolo S.p.A.",
   "lei": null,
   "hq": "Italy",
   "url": "https://cryptobanking.news/banks/intesa-sanpaolo/",
   "score": 18,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "nordea",
   "name": "Nordea",
   "legalName": "Nordea Bank Abp",
   "lei": null,
   "hq": "Finland",
   "url": "https://cryptobanking.news/banks/nordea/",
   "score": 23,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 4,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Developing / partnership established"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Stablecoin issuance, Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "qivalis-euro-stablecoin",
     "basis": "Last verified change 2026-05-20"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "qivalis-euro-stablecoin",
    "nordea-bitcoin-etp"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "us-bancorp",
   "name": "U.S. Bank",
   "legalName": "U.S. Bancorp (U.S. Bank National Association)",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/us-bancorp/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "us-bank-bitcoin-custody",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "US"
   ],
   "initiatives": [
    "us-bank-bitcoin-custody"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "pnc",
   "name": "PNC",
   "legalName": "The PNC Financial Services Group, Inc. (PNC Bank, N.A.)",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/pnc/",
   "score": 50,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "pnc-private-bank-bitcoin",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "pnc-private-bank-bitcoin",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "pnc-private-bank-bitcoin",
     "basis": "Last verified change 2025-12-09"
    }
   ],
   "markets": [
    "US"
   ],
   "initiatives": [
    "pnc-private-bank-bitcoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "anz",
   "name": "ANZ",
   "legalName": "Australia and New Zealand Banking Group Limited",
   "lei": null,
   "hq": "Australia",
   "url": "https://cryptobanking.news/banks/anz/",
   "score": 31,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 10.5,
     "known": true,
     "initiative": "anz-adc-stablecoin",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "anz-adc-stablecoin",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "AU"
   ],
   "initiatives": [
    "anz-adc-stablecoin"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "nab",
   "name": "NAB",
   "legalName": "National Australia Bank Limited",
   "lei": null,
   "hq": "Australia",
   "url": "https://cryptobanking.news/banks/nab/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "nab-acacia-tokenised-term-deposit",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "nab-acacia-tokenised-term-deposit",
     "basis": "Last verified change 2026-04-24"
    }
   ],
   "markets": [
    "AU"
   ],
   "initiatives": [
    "nab-acacia-tokenised-term-deposit"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "mufg",
   "name": "MUFG Bank",
   "legalName": "MUFG Bank, Ltd.",
   "lei": null,
   "hq": "Japan",
   "url": "https://cryptobanking.news/banks/mufg/",
   "score": 22,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Last verified change 2026-10-16"
    }
   ],
   "markets": [
    "JP"
   ],
   "initiatives": [
    "japan-megabanks-joint-stablecoin"
   ],
   "items": [
    "https://cryptobanking.news/item/japan-megabanks-stablecoin-poc-completed/"
   ],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "smbc",
   "name": "SMBC",
   "legalName": "Sumitomo Mitsui Banking Corporation",
   "lei": null,
   "hq": "Japan",
   "url": "https://cryptobanking.news/banks/smbc/",
   "score": 22,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Last verified change 2026-10-16"
    }
   ],
   "markets": [
    "JP"
   ],
   "initiatives": [
    "japan-megabanks-joint-stablecoin"
   ],
   "items": [
    "https://cryptobanking.news/item/japan-megabanks-stablecoin-poc-completed/"
   ],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "mizuho",
   "name": "Mizuho Bank",
   "legalName": "Mizuho Bank, Ltd.",
   "lei": null,
   "hq": "Japan",
   "url": "https://cryptobanking.news/banks/mizuho/",
   "score": 22,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 3.5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Announced / exploring"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "japan-megabanks-joint-stablecoin",
     "basis": "Last verified change 2026-10-16"
    }
   ],
   "markets": [
    "JP"
   ],
   "initiatives": [
    "japan-megabanks-joint-stablecoin"
   ],
   "items": [
    "https://cryptobanking.news/item/japan-megabanks-stablecoin-poc-completed/"
   ],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "state-street",
   "name": "State Street",
   "legalName": "State Street Corporation",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/state-street/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "state-street-digital-asset-platform",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "state-street-digital-asset-platform",
     "basis": "Last verified change 2026-01-15"
    }
   ],
   "markets": [
    "US"
   ],
   "initiatives": [
    "state-street-digital-asset-platform"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "sygnum",
   "name": "Sygnum Bank",
   "legalName": "Sygnum Bank AG",
   "lei": null,
   "hq": "Switzerland",
   "url": "https://cryptobanking.news/banks/sygnum/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 25,
     "known": true,
     "initiative": "sygnum-finma-bank-licence",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "CH"
   ],
   "initiatives": [
    "sygnum-finma-bank-licence"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "amina",
   "name": "AMINA Bank",
   "legalName": "AMINA Bank AG (formerly SEBA Bank AG)",
   "lei": null,
   "hq": "Switzerland",
   "url": "https://cryptobanking.news/banks/amina/",
   "score": 85,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "amina-finma-digital-asset-bank",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 25,
     "known": true,
     "initiative": "amina-finma-digital-asset-bank",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "amina-finma-digital-asset-bank",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "CH"
   ],
   "initiatives": [
    "amina-finma-digital-asset-bank"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "nubank",
   "name": "Nubank",
   "legalName": "Nu Pagamentos S.A. (Nu Holdings Ltd.)",
   "lei": null,
   "hq": "Brazil",
   "url": "https://cryptobanking.news/banks/nubank/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "nubank-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "nubank-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "BR"
   ],
   "initiatives": [
    "nubank-crypto-trading"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "itau-unibanco",
   "name": "Itaú Unibanco",
   "legalName": "Itaú Unibanco S.A.",
   "lei": null,
   "hq": "Brazil",
   "url": "https://cryptobanking.news/banks/itau-unibanco/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "itau-ion-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "itau-ion-crypto-trading",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "BR"
   ],
   "initiatives": [
    "itau-ion-crypto-trading"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "scb",
   "name": "Siam Commercial Bank (SCB)",
   "legalName": "The Siam Commercial Bank Public Company Limited",
   "lei": null,
   "hq": "Thailand",
   "url": "https://cryptobanking.news/banks/scb/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "scb-lightnet-stablecoin-remittance",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "scb-lightnet-stablecoin-remittance",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Crypto services"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "TH"
   ],
   "initiatives": [
    "scb-lightnet-stablecoin-remittance"
   ],
   "items": [],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "maybank",
   "name": "Maybank",
   "legalName": "Malayan Banking Berhad",
   "lei": null,
   "hq": "Malaysia",
   "url": "https://cryptobanking.news/banks/maybank/",
   "score": null,
   "insufficientData": true,
   "knownDimensions": 1,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 8,
     "known": true,
     "initiative": "maybank-daih-tokenised-deposits",
     "basis": "Pilot / proof of concept"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "maybank-daih-tokenised-deposits",
     "basis": "Last verified change 2026-02-11"
    }
   ],
   "markets": [
    "MY"
   ],
   "initiatives": [
    "maybank-daih-tokenised-deposits"
   ],
   "items": [
    "https://cryptobanking.news/item/mas-bnm-bot-bloom-cross-border-digital-money/",
    "https://cryptobanking.news/item/bnm-daih-ringgit-stablecoins-tokenised-deposits/"
   ],
   "lastVerified": "2026-10-24"
  },
  {
   "id": "cimb",
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   "lei": null,
   "hq": "Malaysia",
   "url": "https://cryptobanking.news/banks/cimb/",
   "score": null,
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    {
     "key": "commercial",
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     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
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     "points": 8,
     "known": true,
     "initiative": "cimb-daih-tokenised-deposits",
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    },
    {
     "key": "breadth",
     "label": "Product breadth",
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     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
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     "known": true,
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   ],
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   ],
   "initiatives": [
    "cimb-daih-tokenised-deposits"
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   "items": [
    "https://cryptobanking.news/item/bnm-daih-ringgit-stablecoins-tokenised-deposits/"
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  {
   "id": "lbbw",
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   "hq": "Germany",
   "url": "https://cryptobanking.news/banks/lbbw/",
   "score": null,
   "insufficientData": true,
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     "key": "commercial",
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     "points": 5.3,
     "known": true,
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    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "breadth",
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     "points": 5,
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    },
    {
     "key": "recency",
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     "points": 0,
     "known": true,
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   ],
   "markets": [
    "EU",
    "DE"
   ],
   "initiatives": [
    "lbbw-bitpanda-crypto-custody"
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   "items": [],
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  {
   "id": "lloyds",
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   "url": "https://cryptobanking.news/banks/lloyds/",
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   "insufficientData": true,
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     "key": "commercial",
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    {
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
    },
    {
     "key": "technical",
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     "points": 15,
     "known": true,
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    },
    {
     "key": "breadth",
     "label": "Product breadth",
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     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Tokenized deposits"
    },
    {
     "key": "recency",
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   ],
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   "initiatives": [
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  {
   "id": "firstrand-fnb",
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   "insufficientData": true,
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     "known": false,
     "basis": "No verified status — not scored"
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    {
     "key": "regulatory",
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     "points": 25,
     "known": true,
     "initiative": "fnb-fsca-casp-licence",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
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     "points": 0,
     "known": false,
     "basis": "No verified status — not scored"
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    {
     "key": "breadth",
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     "points": 5,
     "known": true,
     "basis": "1 product category with a verified status: Crypto services"
    },
    {
     "key": "recency",
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   ],
   "markets": [
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   "initiatives": [
    "fnb-fsca-casp-licence"
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   "items": [
    "https://cryptobanking.news/item/fsca-casp-licensing-update-2026/"
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}