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The Wall Street firm said faster U.S. stablecoin and charter rules are pulling crypto into the regulated banking system and pushing banks toward an on-chain future.\nWhat to know : Bank of America said U.S. crypto rulemaking is set to accelerate as the OCC grants conditional national trust bank charters to five digital-asset firms. The bank expects the FDIC and Federal Reserve to follow with stablecoin capital, liquidity and approval rules under the GENIUS Act. Banks should embrace blockchain, the report said, citing JPMorgan and DBS pilots in tokenized deposits on public and permissioned blockchains.