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.
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While much has been said about the "total supply" of bitcoin as a fixed amount, the reality is that "hard forks" in the Bitcoin blockchain have eliminated this limit, writes Mariam Nishanian, a spokesperson for Dentacoin.
December 12
Dentacoin -
Can preferential loan terms encourage environmentally friendly practices among corporate borrowers? Barclays, BNP Paribas, and Standard Chartered are working with fintechs — and even Prince Charles — to develop a blockchain to answer that question.
December 11 -
The cryptocurrency proved so popular it triggered two temporary trading halts on CBOE's Global Markets exchange.
December 11 -
The risks of fraud, along with the current reputation of such currencies as often being used for money laundering and other criminal activities, has caused worry in the market, writes John Verver, and advisor to ACL.
December 11
ACL -
We’ll view this wild rally as the starting point of cryptocurrencies becoming mainstream. They cannot be defined as a fad any longer, writes Nigel Green, founder and CEO of deVere Group.
December 11
deVere Group -
Bitcoin is coming to Wall Street on Sunday, and some executives at the world's biggest banks aren't sleeping well.
December 8 -
Tether's $31 million hack gave bitcoin skeptics plenty to crow about. But experts say bad security is to blame, not digital assets.
December 8 -
The biometric data, broken up into shares, is persisted separately in off-chain storage that can be controlled and sealed via blockchain references for integrity and provenance, writes James Stickland, CEO of Veridium.
December 6
Veridium -
Innovative companies are working on ways to instantaneously convert cryptocurrency into the currency accepted by the merchant, writes Vladimir Gorbunov, COO and co-founder of Crypterium.
December 5
Cyrpterium -
With the total value of all bitcoins in circulation at $190 billion, it’s come a long way from August, when one coin could buy you a hefty supply of avocados.
December 4
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








