Crypto Regulation and Financial Infrastructure by Caitlin Long

Caitlin Long is a Wyoming-based financial reformer and CEO of Custodia Bank, a financial institution built to bridge traditional banking with digital asset infrastructure. She holds a J.D. from Harvard Law School and previously served as managing director at Morgan Stanley. In 2020, Long led legislative efforts to establish Wyoming’s crypto-friendly SPDI (Special Purpose Depository Institution) banking charter. Since then, she has testified before the U.S. Senate and has become a central voice in debates over crypto custody, systemic risk, and regulatory fragmentation.

In March 2025, Long predicted that U.S. crypto debanking would persist until at least January 2026 without changes in Federal Reserve leadership. Her comments were made during a Bloomberg interview that recorded over 780,000 views within the first three days. In July 2025, she joined the board of PublicSquare Inc. as it began transitioning treasury operations to Bitcoin and yield-bearing stablecoins, becoming one of the first public companies to do so. Custodia Bank's legal action against the Federal Reserve continues, centered on the rejection of its master account application—a case closely watched by both crypto institutions and federal regulators.

  • Yulia Slavina
  • 27.10.2026
Caitlin Long: Decline in U.S. community banks was bureaucratically engineered
Caitlin Long, Caitlin Long, stated that the decline in the number of community banks in the U.S. was deliberately driven by bureaucratic decisions. She argued that this decline was not a natural ...
  • Oksana Koneva
  • 22.10.2026
Facebook board evaluation of Zuckerberg deal comes under question, Caitlin Long notes
Caitlin Long, founder and CEO of Avanti Bank & Trust, questioned how Facebook's board of directors assessed a deal involving Mark Zuckerberg under the business judgment ...
  • Oksana Koneva
  • 22.10.2026
Caitlin Long: Spike in bank charter applications from nontraditional organizations to impact industry
A spike in bank charter applications from organizations with nontraditional business models is set to disrupt what is typically a stable industry, according to American Banker. Caitlin Long, ...
  • Oksana Koneva
  • 20.10.2026
Wallet integration reduces friction for users moving from tradfi to crypto-native, Caitlin Long says
Caitlin Long, identified as Founder and CEO of Avanti Bank & Trust and linked at Caitlin Long, described wallet infrastructure as being rapidly integrated into traditional finance (tradfi). Long ...
  • Eugene Komchuk
  • 19.10.2026
Caitlin Long: First loan P&I payment to be settled using HazelNetwork tokenized deposit in Dallas event
The first-ever settlement of a loan principal and interest payment using a HazelNetwork tokenized deposit is set to be discussed at an upcoming event in Dallas. Caitlin Long, who serves as ...
  • Yaroslav Dmytrenko
  • 16.10.2026
Banks may become major winners with on-chain AI compliance tools, Caitlin Long notes
Caitlin Long, Caitlin Long, said that banks able to leverage artificial intelligence agents and on-chain compliance tools—such as those offered by HazelNetwork via smart contracts for tokenized ...
  • Daria Chernytska
  • 11.10.2026
Caitlin Long: Banks should prepare for OCC crypto custody limits
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, highlights the importance for banks onboarding OCC trust-chartered crypto custodians to plan for potential restrictions on ...
  • Oksana Koneva
  • 06.10.2026
Fed denied bank merger for crypto reasons, Caitlin Long believes
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, believes that the Federal Reserve denied a bank merger because the bank is seen as "pro-crypto" and the central bank opposes ...
  • Yaroslav Dmytrenko
  • 30.09.2026
Caitlin Long: Direct registration of stocks on-chain remains unrealized after a decade
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, addressed ongoing challenges in enabling direct registration of stocks on blockchain platforms. According to Long, efforts ...
  • Eugene Komchuk
  • 30.09.2026
Wyoming begins ninth event and leads in blockchain stock registrations, Caitlin Long notes
Caitlin Long, founder and CEO at Avanti Bank & Trust, highlights that Wyoming has commenced its ninth event focused on blockchain developments. She points to the potential for natively digital ...
  • Igor Krasulya
  • 28.09.2026
Caitlin Long: Big banks actively seek to slow down payment systems
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, urges community banks to closely observe the actions of large banks instead of relying on their public statements. Long ...
  • Mykhailo Ihnatenko
  • 25.09.2026
Banking power shifts from NYC to Texas and Wyoming, Caitlin Long predicts
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, highlights how rapid developments in tokenization are dramatically impacting the banking and securities sector. Long points ...
  • Mykhailo Ihnatenko
  • 25.09.2026
Caitlin Long: Counterparty co-creators recognized for 2014 platform launch
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, acknowledged the original architects behind Counterparty. She credited Adam Krellenstein, Evan Wagner, and Robby Dermody for ...
  • Elena Nikulina
  • 11.09.2026
Fed criticizes slow progress in U.S. banking technology, Caitlin Long argues
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, draws attention to a statement from the Federal Reserve that sharply criticizes the largest U.S. banking core providers, FIS, ...
  • Mikhail Vnuchkov
  • 10.09.2026
Caitlin Long: Bond vigilantes are reemerging amid renewed market attention
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, highlighted the return of bond vigilantes in financial markets. Long referenced a recent podcast discussion with Scott ...
  • Oksana Koneva
  • 08.09.2026
Biden administration actions against Silvergate Bank were wrong, Caitlin Long argues
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, criticized the Biden administration for its treatment of Silvergate Bank and suggested that the U.S. government unfairly ...
  • Yaroslav Dmytrenko
  • 02.09.2026
Caitlin Long: Treasury and Fed skirmish goes beyond monetary policy
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, raises questions about the ongoing dynamics between the U.S. Treasury and Federal Reserve. Long references a recent ...
  • Pavlo Kot
  • 02.09.2026
Early bitcoin backers chose integrity over inducements, Caitlin Long notes
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, comments on the experience of early bitcoin adopters who faced tempting incentives. Long suggests that many in the early ...
  • Andreas Kristo
  • 18.08.2026
Caitlin Long: U.S. Treasury gains control over tokenized eurodollar recognition
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, highlights a significant change in global financial infrastructure. She points out that the U.S. Treasury, rather than the ...
  • Ashutosh Sureka
  • 04.07.2026
OUSD participant disclaimers raise oversight challenges for banks, Caitlin Long notes
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, has drawn attention to the issue of certain announced OUSD participants disclaiming their involvement. Long points out that ...
  • Hanna Syniavska
  • 03.07.2026
Caitlin Long: Arrival of HazelNetwork and digital banking partners highlighted
Caitlin Long, founder and CEO of Avanti Bank & Trust at Custodia Bank, draws attention to HazelNetwork and the involvement of Vantage Bank and Custodia Bank. Her comment suggests these entities ...