$10 billion in monthly settlement volume + direct access from the Federal Reserve—UTB’s move is tearing down the wall between TradFi and Crypto. A 24/7 AI payments network sounds like it’s trying to grab the stablecoin settlement “bread,” the job that’s been paying the bills.

Headquartered in Dallas, United Texas Bank has received OCC approval to convert from a chartered bank to a national bank, positioning itself as an institution connecting global crypto companies with the U.S. banking system, with federal licensing equivalent to major currency center banks and direct access to the Federal Reserve, clearing approximately $10 billion in global crypto transactions monthly. The bank also launched a 24/7 AI-driven payment network, UTB Atomic, paired with the compliance platform UTB Prism Sentinel, to restore around-the-clock crypto liquidity and address new federal regulations for digital assets and stablecoins.