Dear Readers,
Tech banking charters have returned to the center of regulatory and strategic debate, driven by the convergence of digital assets, stablecoins, and the maturation of fintech business models. Once viewed as speculative or niche, charter strategies are now being reassessed as core infrastructure choices that shape scale, credibility, and risk allocation. The contributions in this issue approach the question from complementary angles: one from the hard edge of U.S. banking law and sta
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