{
 "dataset": "cryptobanking.news bank scorecards",
 "url": "https://cryptobanking.news/banks/scorecards/",
 "generatedAt": "2026-10-23T17:46:00.077Z",
 "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."
 },
 "methodology": {
  "url": "https://cryptobanking.news/methodology/#readiness-score",
  "weights": {
   "commercial": 35,
   "regulatory": 25,
   "technical": 20,
   "breadth": 15,
   "recency": 5
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  "minKnownDimensions": 2,
  "needsReviewFactor": 0.5,
  "levels": {
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    {
     "status": "Live — commercial",
     "fraction": 1
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    {
     "status": "Live — restricted",
     "fraction": 0.7
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    {
     "status": "Pilot",
     "fraction": 0.3
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    {
     "status": "Developing",
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    {
     "status": "Announced",
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    {
     "status": "Suspended / ended",
     "fraction": 0
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   ],
   "regulatory": [
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     "fraction": 1
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    {
     "status": "Notified (MiCA Art. 60)",
     "fraction": 0.6
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    {
     "status": "Suspended / ended",
     "fraction": 0
    }
   ],
   "technical": [
    {
     "status": "Live — commercial",
     "fraction": 1
    },
    {
     "status": "Live — restricted",
     "fraction": 0.75
    },
    {
     "status": "Pilot",
     "fraction": 0.4
    },
    {
     "status": "Developing",
     "fraction": 0.2
    },
    {
     "status": "Announced",
     "fraction": 0.1
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    {
     "status": "Suspended / ended",
     "fraction": 0
    }
   ]
  }
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 "banks": [
  {
   "id": "jpmorgan",
   "name": "J.P. Morgan (Kinexys)",
   "legalName": "JPMorgan Chase Bank, N.A.",
   "lei": null,
   "hq": "United States",
   "url": "https://cryptobanking.news/banks/jpmorgan/",
   "score": 50,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 24.5,
     "known": true,
     "initiative": "jpm-coin-jpmd",
     "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": "jpm-coin-jpmd",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "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": "jpm-coin-jpmd",
     "basis": "Last verified change 2026-10-19"
    }
   ],
   "markets": [
    "US"
   ],
   "initiatives": [
    "jpm-coin-jpmd"
   ],
   "items": [
    "https://cryptobanking.news/item/mas-bnm-bot-bloom-cross-border-digital-money/",
    "https://cryptobanking.news/item/jpm-coin-live-on-ethereum/",
    "https://cryptobanking.news/item/jpm-coin-jpmd-institutional/"
   ],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "hsbc",
   "name": "HSBC",
   "legalName": "HSBC Holdings plc / The Hongkong and Shanghai Banking Corporation Ltd",
   "lei": null,
   "hq": "United Kingdom / Hong Kong",
   "url": "https://cryptobanking.news/banks/hsbc/",
   "score": 95,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "hsbc-hk-stablecoin",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 25,
     "known": true,
     "initiative": "hsbc-hk-stablecoin",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "hsbc-tokenised-deposit-service",
     "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: Stablecoin issuance, Tokenized deposits"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
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     "basis": "Last verified change 2026-10-23"
    }
   ],
   "markets": [
    "HK",
    "US",
    "EU",
    "UK",
    "SG",
    "AE"
   ],
   "initiatives": [
    "hsbc-hk-stablecoin",
    "swift-shared-ledger",
    "hsbc-tokenised-deposit-service"
   ],
   "items": [
    "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/"
   ],
   "lastVerified": "2026-10-23"
  },
  {
   "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/",
   "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": "swissquote-mica-casp",
     "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": 5,
     "known": true,
     "initiative": "swissquote-mica-casp",
     "basis": "Last verified change 2026-04-24"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "swissquote-mica-casp"
   ],
   "items": [
    "https://cryptobanking.news/item/swissquote-bank-europe-casp-licence/"
   ],
   "lastVerified": "2026-10-22"
  },
  {
   "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,
   "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": 12.5,
     "known": true,
     "initiative": "fab-ddsc-dirham-stablecoin",
     "basis": "Approved / authorised (evidence needs review: ×0.5)"
    },
    {
     "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: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "fab-ddsc-dirham-stablecoin",
     "basis": "Last verified change 2026-07-04"
    }
   ],
   "markets": [
    "AE"
   ],
   "initiatives": [
    "fab-ddsc-dirham-stablecoin"
   ],
   "items": [
    "https://cryptobanking.news/item/ddsc-cbuae-approval-vara-exchanges/"
   ],
   "lastVerified": "2026-10-22"
  },
  {
   "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,
   "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": "swift-shared-ledger",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "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": "swift-shared-ledger",
     "basis": "Last verified change 2026-08-20"
    }
   ],
   "markets": [],
   "initiatives": [
    "swift-shared-ledger"
   ],
   "items": [
    "https://cryptobanking.news/item/hsbc-stanchart-tokenised-deposit-swift-blockchain/",
    "https://cryptobanking.news/item/swift-blockchain-ledger-17-banks/"
   ],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "standard-chartered",
   "name": "Standard Chartered",
   "legalName": "Standard Chartered PLC",
   "lei": null,
   "hq": "United Kingdom",
   "url": "https://cryptobanking.news/banks/standard-chartered/",
   "score": 60,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 17.5,
     "known": true,
     "initiative": "zodia-custody-uk",
     "basis": "Live — commercial, within explicit scope (evidence needs review: ×0.5)"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 12.5,
     "known": true,
     "initiative": "sc-uae-digital-asset-custody",
     "basis": "Approved / authorised (evidence needs review: ×0.5)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 15,
     "known": true,
     "initiative": "swift-shared-ledger",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "key": "breadth",
     "label": "Product breadth",
     "weight": 15,
     "points": 10,
     "known": true,
     "basis": "2 product categories with a verified status: Tokenized deposits, Custody & trading"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "swift-shared-ledger",
     "basis": "Last verified change 2026-08-20"
    }
   ],
   "markets": [
    "AE",
    "UK"
   ],
   "initiatives": [
    "swift-shared-ledger",
    "sc-uae-digital-asset-custody",
    "zodia-custody-uk"
   ],
   "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/"
   ],
   "lastVerified": "2026-10-23"
  },
  {
   "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",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "citi-token-services",
     "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": "citi-token-services",
     "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: Tokenized deposits"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 5,
     "known": true,
     "initiative": "citi-token-services",
     "basis": "Last verified change 2026-09-28"
    }
   ],
   "markets": [
    "US",
    "EU",
    "UK",
    "HK",
    "SG",
    "JP",
    "AE"
   ],
   "initiatives": [
    "citi-token-services"
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   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "sg-forge",
   "name": "Societe Generale-FORGE",
   "legalName": "Société Générale - Forge",
   "lei": "969500FX8K40ZDW4F377",
   "hq": "France",
   "url": "https://cryptobanking.news/banks/sg-forge/",
   "score": 85,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "sgforge-eurcv",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 25,
     "known": true,
     "initiative": "sgforge-eurcv",
     "basis": "Approved / authorised"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "sgforge-eurcv",
     "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: Stablecoin issuance"
    },
    {
     "key": "recency",
     "label": "Recent verified activity",
     "weight": 5,
     "points": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "sgforge-eurcv",
    "sgforge-usdcv"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "dbs",
   "name": "DBS",
   "legalName": "DBS Bank Ltd",
   "lei": null,
   "hq": "Singapore",
   "url": "https://cryptobanking.news/banks/dbs/",
   "score": 31,
   "insufficientData": false,
   "knownDimensions": 2,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 10.5,
     "known": true,
     "initiative": "dbs-token-services",
     "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": "dbs-token-services",
     "basis": "Live — restricted / specific counterparties"
    },
    {
     "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": 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/"
   ],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "bbva",
   "name": "BBVA",
   "legalName": "Banco Bilbao Vizcaya Argentaria, S.A.",
   "lei": "K8MS7FD7N5Z2WQ51AZ71",
   "hq": "Spain",
   "url": "https://cryptobanking.news/banks/bbva/",
   "score": 75,
   "insufficientData": false,
   "knownDimensions": 3,
   "breakdown": [
    {
     "key": "commercial",
     "label": "Commercial availability",
     "weight": 35,
     "points": 35,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
     "basis": "Live — commercial, within explicit scope"
    },
    {
     "key": "regulatory",
     "label": "Regulatory standing",
     "weight": 25,
     "points": 15,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
     "basis": "Notified (MiCA Art. 60)"
    },
    {
     "key": "technical",
     "label": "Technical delivery",
     "weight": 20,
     "points": 20,
     "known": true,
     "initiative": "bbva-spain-crypto-retail",
     "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": [
    "EU"
   ],
   "initiatives": [
    "bbva-spain-crypto-retail"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "ubs",
   "name": "UBS",
   "legalName": "UBS Group AG",
   "lei": null,
   "hq": "Switzerland",
   "url": "https://cryptobanking.news/banks/ubs/",
   "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": "ubs-digital-cash",
     "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": 0,
     "known": true,
     "basis": "No verified change in the last 365 days"
    }
   ],
   "markets": [
    "CH"
   ],
   "initiatives": [
    "ubs-digital-cash"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "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"
   ],
   "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": 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": "commerzbank-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"
   ],
   "initiatives": [
    "commerzbank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "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": 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": "dz-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": "dz-bank-mica-art60",
     "basis": "Last verified change 2025-12-23"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "dz-bank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "id": "caixabank",
   "name": "CaixaBank",
   "legalName": "CAIXABANK S.A.",
   "lei": "7CUNS533WID6K7DGFI87",
   "hq": "Spain",
   "url": "https://cryptobanking.news/banks/caixabank/",
   "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": "caixabank-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": "caixabank-mica-art60",
     "basis": "Last verified change 2026-03-27"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "caixabank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "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"
   ],
   "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": 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": "piraeus-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": "piraeus-bank-mica-art60",
     "basis": "Last verified change 2026-08-07"
    }
   ],
   "markets": [
    "EU"
   ],
   "initiatives": [
    "piraeus-bank-mica-art60"
   ],
   "items": [],
   "lastVerified": "2026-10-22"
  },
  {
   "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"
   ],
   "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"
   ],
   "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"
  }
 ]
}