Is the “future” of banking upon us? According to a recent Reuters report, Circle Internet Financial Ltd. – a Boston-based company that operates a cryptocurrency exchange and enables payments using bitcoin – is planning to apply for a U.S. bank charter. If successful, this would make Circle the first U.S.-based crypto bank. While it's unclear exactly what this means for the future of banking and cryptocurrencies, it's safe to say that both industries are on the verge of some major changes.

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