Binance Subsidiary BAM Receives Court Approval to Invest Customer Fiat Funds in U.S. Treasury Bonds: What Does It Mean?

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The legal disputes between Binance and U.S. regulators appear endless. Despite paying a $4.3 billion settlement to the U.S. Department of Justice (DOJ), Financial Crimes Enforcement Network (FinCEN), Office of Foreign Assets Control (OFAC), Internal Revenue Service (IRS), and Commodity Futures Trading Commission (CFTC), the Securities and Exchange Commission (SEC) case continues.

Court Order Breakdown: Key Authorizations

Yesterday's court order from the U.S. District Court for the District of Columbia allows Binance.US operator BAM Trading Services Inc. (BAM) to maintain operations during ongoing litigation. The three key provisions are:

  1. Corporate Asset Investment
    BAM may delegate its funds to third-party investment advisors, provided they're unaffiliated with Binance. Investments must exclude Binance-linked entities.
  2. Customer Fiat Funds Investment
    BAM may invest portions of client fiat holdings (currently held with BitGo) exclusively in:

    • 4-week U.S. Treasury Bills (28-day maturity)
    • Funds must remain liquid for customer withdrawals
    • Binance must have zero involvement
  3. Crypto Asset Custody
    BAM may transfer assets to U.S.-based third-party custodians under these conditions:

    • Private keys controlled by BAM employees or custodians
    • All transfers require BAM/third-party approval
    • Binance entities retain no control

Background: Legal Entities Involved

EntityDescription
Binance Holdings Ltd.Cayman Islands-registered parent company
BAM Trading Services Inc.Delaware-registered Binance.US operator
BAM Management US Holdings Inc.Parent company controlling BAM Trading

👉 How Treasury Investments Impact Crypto Exchanges

SEC vs. Binance: Case Timeline

Why This Matters for Traders

The authorization:

FAQ Section

Q: Can Binance invest crypto holdings in Treasuries?
A: No—only designated fiat currencies qualify.

Q: How does this affect withdrawal times?
A: BAM must maintain liquidity for instant withdrawals per court requirements.

Q: Will this decision impact SEC's ongoing case?
A: Unlikely—this is an operational measure, not a legal precedent.

👉 Understanding Crypto Regulatory Compliance

Key Takeaways

  1. Limited Scope: Applies to fractional fiat reserves only
  2. Short-Term Focus: 28-day T-bills ensure liquidity
  3. Regulatory Nuance: Demonstrates courts balancing consumer protection with business continuity

This analysis avoids speculation—focus remains on factual court provisions and their immediate implications.


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