7 Hot Facts of Crypto vs Bank Clash: Fed Access Rp16,771/USD in the Spotlight!

Jakarta, Pintu News – The crypto and banking industries are back in the spotlight after the debate over cryptocurrency companies’ direct access to the Federal Reserve (Fed) system surfaced. The issue has sparked widespread discussion about the future of regulation, financial system stability, and the position of traditional banks amid the growth of digital assets. With an assumed exchange rate of 1 USD = IDR16,771, this policy dynamic has the potential to have a major impact on global crypto valuations and adoption.

1. What is the Skinny Fed Account and Why is it up for grabs?

Skinny Fed accounts refer to non-bank institutions’ direct access to accounts at the Federal Reserve without having to become full-fledged commercial banks. This access allows crypto companies to store reserve funds directly at the central bank of the United States. With such a scheme, companies can reduce reliance on intermediary banks.

For cryptocurrency players, this access is considered to increase the efficiency and transparency of managing customer funds. This model is also considered to strengthen the stability of stablecoins whose value is pegged to the US dollar. If 1 USD is equivalent to IDR 16,771, then each reserve of USD 100 million means around IDR 1.677 trillion that can be directly placed at the central bank.

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2. Why do traditional banks feel threatened?

Conventional banks see direct access to the Fed for crypto companies as potentially disruptive to the established banking structure. So far, only certain banking institutions have the right to deposit funds directly at the central bank. If cryptocurrency companies obtain similar rights, the liquidity competition could change significantly.

In addition, banks are worried about losing their role as the main intermediary in the payment system and depository of funds. In this context, crypto is seen as not just a technological innovation, but also a business model threat. This tension is becoming more apparent as assets such as Bitcoin (BTC) and Ethereum (ETH) continue to attract institutional investors.

3. Impact on Stablecoins and the Crypto Market

Stablecoins rely heavily on US dollar reserves to keep prices stable. With direct access to the Fed, stablecoin issuing companies can hold reserve funds more securely and transparently. This could potentially increase investor confidence in dollar-based cryptocurrencies.

In contrast, without such access, companies will have to continue working with commercial banks that have different operational risks and policies. This situation could affect the overall liquidity of the crypto market. In the event of restrictions, volatility in assets such as Ripple (XRP) and Pepe Coin (PEPE) could also increase due to regulatory sentiment.

4. Regulatory and Financial Stability Perspective

Regulators face a dilemma between encouraging innovation and maintaining financial system stability. Providing direct access to crypto companies can accelerate the integration of blockchain technology with the monetary system. However, the move also opens up new risks if supervision is inadequate.

Governments and financial authorities need to consider long-term systemic impacts. The cryptocurrency industry is growing rapidly with a market capitalization worth hundreds of billions of dollars. Without clear regulation, tensions between banks and crypto could potentially slow down the adoption of new financial technologies.

5. Implications for Beginner and Institutional Investors

For novice investors, the conflict between crypto and banks shows that regulatory factors are just as important as price analysis. Access policies to central banks can affect market confidence and the valuation of digital assets. Investors need to understand that prices are not only affected by sentiment, but also monetary policy.

Institutional investors are also watching this development as an indicator of the legitimization of the cryptocurrency industry. If crypto companies gain official access to the Federal Reserve system, the integration with the global financial system will be stronger. This could broaden market participation and increase crypto adoption in the long run.

6. Is This the Turning Point of the Crypto Industry?

The skinny Fed account debate reflects the transition phase between the traditional financial system and the digital ecosystem. Crypto is no longer on the fringes, but rather is beginning to enter the high-level policy space. As banks and cryptocurrency companies negotiate in the regulatory realm, the future direction of the industry is being shaped.

Whatever the final outcome, this dynamic shows that crypto is increasingly relevant in the global economic structure. Both Bitcoin (BTC) and other digital assets are now considered in major financial policy discussions. For markets, this development could be a catalyst for growth or a source of renewed volatility in the short term.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Martin Young/Bitcoinist. Crypto and Banks Clash Over ‘Skinny’ Fed Accounts. Accessed February 11, 2026.