Stablecoins
How are banks approaching dollar-backed digital assets (stablecoins)?
Stablecoins have moved from the edge of the
Banks are testing stablecoins for cross-border payments, liquidity management, and digital wallets. Some are also exploring how stablecoins can support interbank transactions or be issued directly by regulated institutions. As the landscape takes shape, stablecoins are starting to look less like an experiment and more like infrastructure.
-
Initial coin offerings have become controversial enough for the SEC to weigh in. And even though the commission has not announced a clear stance, technology investors are noticing a difference in its actions.
September 6 -
Ripple's role in streamlining international transactions and the popularity of its XRP tokens has boosted the company's value, but has also drawn critics who claim Ripple is illegally gaming the market.
September 6 -
Blockchain technology has the potential to change the healthcare industry, placing the patient, at the center of the system by providing added security, privacy and interoperability to health data and payments, writes Donika Kraeva, strategic communications manager for Dentacoin.
September 6
Dentacoin -
A fresh sign that the financial industry’s love affair with cryptocurrencies is cooling pummeled the largest tokens.
September 5 -
Minal Hasan, a lawyer turned prominent fintech venture capitalist, has strong views on founder dramas, cryptocurrency, and why banks need to step up their technology game.
September 4 -
Young consumers do not trust centralized authorities, making the distributed ledger attractive, according to Donika Kraeva, strategic communications manager for Dentacoin.
August 30
Dentacoin -
Very few organizations have adopted blockchain technology for any meaningful day-to-day use. But a change could be afoot.
August 29 -
Younger consumers’ intimacy with technology and wariness about traditional financial markets means these demographics have more trust in crypto, writes Csaba Csabai, founder and CEO of Inlock.
August 29
Inlock -
The majority of Play Store users are likely not intentionally using cryptomining on their devices. Therefore, Google needs to take the responsible approach of preventing unwanted or unhealthy usage of their end users’ devices, according to Barry Shteiman, vice president of research and innovation for Exabeam.
August 28
Exabeam -
Despite legal cannabis category's regulatory complexity — or perhaps motivated by it — a new breed of merchant acquirers is slicing through the thick government red tape to process cannabis payments, one state at a time.
August 28
The first three months of the year coincide with the start of President Donald Trump's second term in office. Investors are likely to be more interested in banks' outlooks amid swings in tariff policy than the first-quarter results.
Frequently Asked Questions:
How are banks approaching dollar-backed digital assets (stablecoins)?
Stablecoins have moved from the edge of the crypto, world to the center of policy and banking conversations. As regulators and banks weigh their role in payments, settlement, and reserves, this page follows the developments — from early pilots to proposed legislation.
Banks are testing stablecoins for cross-border payments, liquidity management, and digital wallets. Some are also exploring how stablecoins can support interbank transactions or be issued directly by regulated institutions. As the landscape takes shape, stablecoins are starting to look less like an experiment and more like infrastructure.
Why are banks paying attention to stablecoins?
Stablecoins are increasingly viewed as a potential upgrade to legacy payments systems. Banks are evaluating them for settlement, remittances, cross-border transactions, and tokenized deposit models.Are banks issuing their own stablecoins?
Some are exploring the option. Institutions like JPMorgan (with JPM Coin) and new entrants like PayPal are piloting bank-issued stablecoins, while others are watching regulatory developments before moving forward.How do stablecoins impact compliance and risk?
Issues include KYC/AML enforcement, cybersecurity, operational risk, and how reserve assets are held and reported. Banks exploring stablecoin activity must weigh both technological benefits and regulatory scrutiny.How are regulators responding to stablecoin innovation?
Congress is debating stablecoin-specific bills focused on reserve backing, issuer licensing, and oversight. The Federal Reserve, OCC, and state regulators are also shaping how bank involvement in stablecoin activity is supervised.How are banks using stablecoin?
Banks are using stablecoins to speed up cross-border payments, manage liquidity across global branches in real time, and test new forms of settlement between institutions. Some are integrating stablecoins into retail-facing digital wallets, while others are exploring interbank networks built on tokenized payments. These efforts are less about crypto speculation and more about making money move faster, with greater transparency and fewer intermediaries.- Real-time cross-border payments
- Internal liquidity management
- Retail-facing digital wallets
- Interbank tokenized payment networks
Top banks investing in stablecoin
List of institutions with greatest investment in stablecoin:- JPMorgan Chase – JPM Coin
- Custodia Bank – Avit Tokens
- Citigroup - Citi Token Services
- Societe Generale - USD CoinVertible
- Bank of America - Name yet to be released
- Fifth Third - Name yet to be released
- U.S. Bancorp - Name yet to be released











