PayThink

The recent initial public offering of cryptocurrency exchange Bullish was remarkable in that the company received the proceeds in stablecoins. The move could signal a revolution in finance.

The Office of Management and Budget has prevented billions of dollars from flowing to community development financial institutions, preventing those funds from supporting housing development.

By encoding and decentralizing on-chain identity management, soulbound tokens enable institutions to streamline compliance while introducing a base for new services.

We don't need to reinvent banking to support cannabis. But we do need a clear, federally coordinated compliance framework tailored to the sector. That means establishing uniform standards.

Excluded from the stablecoin revolution by law, banks deserve the opportunity to participate in the evolution of digital finance. Regulatory clarity on the treatment of tokenized deposits is an essential first step.

The agency's announcement that it will consider debanking as part of Community Reinvestment Act examinations is the latest in a series of mystifying pivots by federal banking regulators.

A credit union CEO takes issue with the narrative that the purchase of community banks by credit unions is a dangerous trend. In fact, he argues, it's rare, and when it happens, it benefits the communities those banks serve.

Banks need to recognize that agentic AI is almost certain to upend their traditional business models. Early adopters may be able to grab an advantage, while laggards will be fighting over diminished profits.

Stablecoins don't compete with payment platforms. They do, however, provide a turbo-powered springboard for new projects that will, just as incumbents are adapting to the new tools.

We must build a small-business finance sector where business coaching is integrated and accessible. Philanthropy can ignite progress in the private sector and banks and community lenders can drive it forward.