The Fed seeks to solicit opinions on payment accounts and may allow encryption companies to directly access the central bank system.

According to Mars Finance, the Fed is seeking public input on the establishment of a special purpose payment account. This account is intended to provide eligible financial institutions (including encryption companies and fintech companies) direct access to the central bank's payment system for clearing and settlement purposes. Fed Governor Christopher J. Waller stated that the new payment account will support innovation and ensure the security of the payment system. Unlike traditional general master accounts, this account does not pay interest, does not have overdraft privileges, and has a balance limit, but its approval process will be more streamlined. The comment period for this proposal is 45 days, aimed at responding to the evolution of payment methods and enhancing system efficiency.