Zerohash Is Taking Another Shot at a U.S. Trust Bank Charter
Hey Digital Banking Fanatic!
Zerohash is back at the OCC after its first attempt at a U.S. trust bank charter was returned last month.
This time, the crypto infrastructure firm is taking a narrower approach, focusing on a more limited set of national trust activities. That’s notable given the company already works with names like Morgan Stanley’s E*Trade, BlackRock, Stripe and Franklin Templeton.
The application is now open for public comment, with the deadline set for September 17. If approved, it could give Zerohash another path to bring crypto infrastructure deeper into the regulated banking system.
On the growth side, AppsFlyer looks at how fintechs can connect marketing, product, data, and why retention and LTV matter just as much as keeping CAC low.
Let’s get into today’s Digital Banking stories. 👇 See you tomorrow!
Cheers,
INSIGHTS
💡 AppsFlyer: Inside Fintech Growth and Attribution. In this Q&A, Lesia Kupriienko, AppsFlyer’s Industry Lead for Finance, discusses how fintechs can connect marketing, product, and data around a shared view of ROI. She covers stablecoin infrastructure, fraud and growth collaboration, AI-driven efficiency, privacy constraints, customer re-engagement, web-to-app journeys, and why acquisition and retention should be treated as one growth strategy. One key takeaway: cheap CAC does not necessarily mean better growth — retention and LTV need to be part of the equation. Read the full interview here
NEWS
🇺🇸 Zerohash resubmits its OCC national trust bank charter application, adopting a phased approach after the initial filing was returned in July. The crypto infrastructure provider supports institutions including BlackRock, Stripe, and Interactive Brokers.
🇬🇧 Monzo partners with StepChange for the "Debt shouldn't be the cost of living" campaign, tackling the financial strain hitting UK households. The initiative connects Monzo customers with StepChange's free debt advice services, offering direct support to consumers facing rising costs.
🇵🇷 FV Bank launches Global Managed Accounts, giving fintechs and payment platforms direct FV Bank accounts across 180+ countries and 40+ currencies. FV Bank manages regulated onboarding, KYC, KYB, and compliance infrastructure behind the partner's own product.
🇺🇸 Tyfone unveils nFinia Reimagined, weaving AI into its digital banking platform for community financial institutions. iTHINK Financial will be the first customer to launch the Fathom AI experience this fall.
🇻🇳 SACOMBANK modernizes core banking with Temenos and IBM, moving to a hybrid cloud environment. The upgrade delivers a 200% improvement in application performance and processes 13 million transactions daily.
🇲🇾 TNG Digital and GXBank launch FlexiCredit CashLoan for Touch 'n Go eWallet users in Malaysia. The product gives eligible users access to personal credit through the eWallet app.
🇿🇦 MTN eyes banking licences as it pushes deeper into lending, according to Reuters. The telecoms operator is pursuing formal banking status to expand financial services across its African markets.
🇺🇸 U.S. bank groups target a nationwide blockchain network by 2027. The BankChain Alliance unites 39 state banking associations to build a shared chain for tokenized deposits, smart payments, and automated settlement.
🇪🇸 Flanks partners with Perplexity to power AI-driven financial advisory. The integration brings regulated multi-bank wealth data into Perplexity's AI workflows, covering 700+ institutions across Europe.
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