Bank of America CEO Brian Moynihan has discussed the potential for cryptocurrency payments to gain traction in the banking sector, contingent on regulatory clarity. Speaking at the World Economic Forum in Davos, Switzerland, one day after President Donald Trump’s inauguration, Moynihan responded to questions from CNBC about how the industry’s stance could shift under a more favorable regulatory environment. The Bank of America chief stated:

If the rules come in and make it a real thing that you can actually do business with, you’ll find that the banking system will come in hard on the transactional side of it.

So far, U.S. banks have been cautious in offering retail cryptocurrency services, primarily focusing on institutional opportunities such as bitcoin exchange-traded funds (ETFs). However, with the inauguration of President Donald Trump, who has signaled a pro-crypto stance, the industry anticipates regulatory easing that could encourage banks to expand their crypto offerings. Despite this potential shift, many banking executives emphasize the need for a clear and evolved regulatory framework before fully embracing retail crypto services. Trump has proposed initiatives to integrate cryptocurrencies into the U.S. economy, including establishing a strategic bitcoin reserve to strengthen the country’s financial position. He has also promised to make the U.S. the global hub for cryptocurrency innovation.

The Bank of America executive highlighted the potential for cryptocurrencies to complement traditional payment systems if regulators establish clear guidelines. He explained:

If you go down the street here and you go in and buy lunch, right, if you can pay with Visa, Mastercard, a debit card, Apple Pay, etc., this would just be another form of payment.

Moynihan also underscored Bank of America’s readiness for this shift, stating: “We have hundreds of patents on blockchain already, we know how to enter the field.”

When asked about cryptocurrencies like bitcoin as investment vehicles, Moynihan refrained from commenting, describing the topic as “really a separate question.” His remarks reflect the banking sector’s cautious optimism about crypto. Moynihan emphasized that regulatory clarity is the key to the broader adoption of digital currencies in the banking system.

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