— “Those are among the more visible recent fruits of a well-funded campaign by Mr. Orban in the United States that stretches back a decade and now stands as a case study in how governments around the world seek to shape policies and debates in Washington, sometimes raising concerns about improper foreign influence in U.S. politics.”
Under Brooks’ leadership, the OCC began allowing banks to provide cryptocurrency custody services and store cryptographic keys in July 2020. And this January, the OCC first permitted banks to use stablecoins for payments.

Outside of Binance there has been a shift to using Coinbase or Gemini, but out of the two reviewed above, there is one clear leader.
Yes, cryptocurrencies are a medium of exchange, which can be used to make payments for online purchases. There are hundreds of online shops and retailers that accept Bitcoin and other cryptocurrencies. However, there is a catch. Both the buyer and seller should agree to accept the particular cryptocurrency for the deal. There are various search engines to find the goods and services that can be purchased using cryptocurrencies.