{"id":12950,"date":"2026-07-22T06:09:00","date_gmt":"2026-07-22T04:09:00","guid":{"rendered":"https:\/\/kriptomat.hr\/why-are-banks-calling-for-stricter-regulation-of-stablecoins\/"},"modified":"2026-07-22T08:55:40","modified_gmt":"2026-07-22T06:55:40","slug":"why-are-banks-calling-for-stricter-regulation-of-stablecoins","status":"publish","type":"post","link":"https:\/\/kriptomat.hr\/en\/why-are-banks-calling-for-stricter-regulation-of-stablecoins\/","title":{"rendered":"Why are banks calling for stricter regulation of stablecoins?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12950\" class=\"elementor elementor-12950 elementor-12937\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc162f e-flex e-con-boxed e-con e-parent\" data-id=\"5fc162f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f743d4 elementor-widget elementor-widget-heading\" data-id=\"8f743d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Debate on the digital dollar<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5ec487 e-flex e-con-boxed e-con e-parent\" data-id=\"b5ec487\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0394709 elementor-widget elementor-widget-text-editor\" data-id=\"0394709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Major banks have been calling for stricter rules for stablecoins for years. They warned of the risks of privately issued digital dollars operating outside the traditional banking system and advocated for stricter regulatory requirements, reserve requirements and stronger anti-money laundering measures. <\/span><\/p><p><span style=\"font-weight: 400;\">However, as the adoption of new stablecoin laws approaches in the US, some banks are facing a new situation. Stablecoins that operate under regulatory rules could represent an alternative to certain banking services. <\/span><\/p><p><span style=\"font-weight: 400;\">One of the main issues in the draft US CLARITY Act concerns whether stablecoin users are allowed to earn returns that would function similarly to interest. This is exactly what a large part of the debate is about. <\/span><\/p><p><span style=\"font-weight: 400;\">In the background of the whole story there is a much broader question. Who will have a bigger role in the digital money and payments system in the future, traditional banks or stablecoin issuers? <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-145a87e e-flex e-con-boxed e-con e-parent\" data-id=\"145a87e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c158058 elementor-widget elementor-widget-image\" data-id=\"c158058\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/interrogation-lamp-stablecoin-1.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0452bd e-flex e-con-boxed e-con e-parent\" data-id=\"a0452bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc0730 elementor-widget elementor-widget-text-editor\" data-id=\"1cc0730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68b44a5 e-flex e-con-boxed e-con e-parent\" data-id=\"68b44a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dafe8f6 elementor-widget elementor-widget-heading\" data-id=\"dafe8f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Why did banks initially support stablecoin regulation?\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d33821 e-flex e-con-boxed e-con e-parent\" data-id=\"2d33821\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-def6c25 elementor-widget elementor-widget-text-editor\" data-id=\"def6c25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Banks did not support regulation just because they were against the new technology. Their main concern was that stablecoins were creating an alternative financial system that was not subject to the same rules as traditional banks. <\/span><\/p><p><span style=\"font-weight: 400;\">Stablecoins like USDt and USDC play an important role in cryptocurrency trading, international transfers, and decentralized finance today. Their total market capitalisation has grown to a level comparable to the balance sheets of individual medium-sized banks. <\/span><\/p><p><span style=\"font-weight: 400;\">From the perspective of banks, several key issues have arisen. Are the reserves that support stablecoins really enough? Can stablecoins cause a sudden withdrawal of funds in digital form? Do issuers comply with anti-money laundering rules? And can a form of financial system that operates outside the normal regulatory framework be developed?    <\/span><\/p><p><span style=\"font-weight: 400;\">That is why banks have advocated for rules that would bring stablecoins closer to the standards that apply to financial institutions. This includes regular audits, licensing, and restrictions for higher-risk activities. <\/span><\/p><p><span style=\"font-weight: 400;\">At the same time, many banks saw this as a business opportunity. They expected to be able to manage stablecoin reserves, provide custodial services, collaborate with issuers, or even issue their own stablecoins through regulated subsidiaries. At that stage, stablecoins were seen more as new financial infrastructure than as direct competition to banks.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6486f77 e-flex e-con-boxed e-con e-parent\" data-id=\"6486f77\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51d66dc elementor-widget elementor-widget-image\" data-id=\"51d66dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/hi-erisx-raises-275-mln-from-fidelity-nasdaq-ventures-and-others-details-2.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94268b9 e-flex e-con-boxed e-con e-parent\" data-id=\"94268b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26c31a5 elementor-widget elementor-widget-text-editor\" data-id=\"26c31a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a8282d e-flex e-con-boxed e-con e-parent\" data-id=\"5a8282d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45f9288 elementor-widget elementor-widget-heading\" data-id=\"45f9288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why do banks care about stablecoin yields?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0457d3a e-flex e-con-boxed e-con e-parent\" data-id=\"0457d3a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76610c3 elementor-widget elementor-widget-text-editor\" data-id=\"76610c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The discussion further changed when the possibility of stablecoin holders earning interest-like returns began to be discussed. In that case, stablecoins would no longer only be used for payments and transfers, but could become an alternative to classic savings accounts. This could encourage some users to keep more of their funds on crypto platforms instead of banks.  <\/span><\/p><p><span style=\"font-weight: 400;\">Such a scenario worries banks because deposits are one of their main sources of funding. On the basis of these funds, banks grant loans, finance housing loans, business operations and other everyday activities. If a significant portion of deposits ended up in stablecoins, banks&#8217; funding costs could rise.  <\/span><\/p><p><span style=\"font-weight: 400;\">This is why part of the banking sector opposes proposals that would allow stablecoin issuers or crypto platforms to pay yields that function similarly to interest, outside the usual regulatory framework for banks.<\/span><\/p><p><span style=\"font-weight: 400;\">The debate is therefore no longer focused only on the regulation of cryptocurrencies. There is more and more talk about the question of who will have the right to offer digital dollars with the possibility of generating yields in the future. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa751bc e-flex e-con-boxed e-con e-parent\" data-id=\"aa751bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40154f6 elementor-widget elementor-widget-image\" data-id=\"40154f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/hi-usdt-vs-usdc-whats-the-difference-1.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ad99832 e-flex e-con-boxed e-con e-parent\" data-id=\"ad99832\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a53bc79 elementor-widget elementor-widget-text-editor\" data-id=\"a53bc79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adc86fc e-flex e-con-boxed e-con e-parent\" data-id=\"adc86fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-752d1df elementor-widget elementor-widget-heading\" data-id=\"752d1df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Banks claim stablecoins could affect lending\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c26a250 e-flex e-con-boxed e-con e-parent\" data-id=\"c26a250\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1512c elementor-widget elementor-widget-text-editor\" data-id=\"4c1512c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Banking associations mostly present their remarks as a matter of the stability of the financial system, and not exclusively the protection of their own business. They point out that deposits of citizens and companies are important because they allow banks to finance loans throughout the economy. <\/span><\/p><p><span style=\"font-weight: 400;\">If some of these funds were to move into stablecoins, banks could have less capital at their disposal to grant housing loans, finance small businesses, agriculture and consumer loans. The biggest pressure could be felt by the regional and smaller banking sector, which relies heavily on local deposits. <\/span><\/p><p><span style=\"font-weight: 400;\">From a banks&#8217; perspective, stablecoins that offer yields to users could attract funds from the traditional banking system into models that are not subject to the same capital and liquidity rules.<\/span><\/p><p><span style=\"font-weight: 400;\">Of particular concern is the possibility of circumvention of the rules. Even if stablecoin issuers are not allowed to pay out yields directly, crypto platforms could still offer various reward programs or other benefits associated with holding stablecoins. Banking associations believe that such models could run counter to the objective of regulatory rules and that stablecoins should primarily be used for payments and transfers, rather than as a substitute for savings accounts.  <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0de0a03 e-flex e-con-boxed e-con e-parent\" data-id=\"0de0a03\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff7ab6 elementor-widget elementor-widget-image\" data-id=\"1ff7ab6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/digital-bank-1.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3011be6 e-flex e-con-boxed e-con e-parent\" data-id=\"3011be6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc99329 elementor-widget elementor-widget-text-editor\" data-id=\"dc99329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e240d54 e-flex e-con-boxed e-con e-parent\" data-id=\"e240d54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d5e2c9 elementor-widget elementor-widget-heading\" data-id=\"7d5e2c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">How could regulation accelerate the development of stablecoins?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fac1ae3 e-flex e-con-boxed e-con e-parent\" data-id=\"fac1ae3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-303241a elementor-widget elementor-widget-text-editor\" data-id=\"303241a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Banks have called for tighter scrutiny of stablecoins to reduce potential risks to the financial system. However, clearer rules could also have the opposite effect, as it could give stablecoins greater acceptance among financial institutions, businesses, and a wider range of users. <\/span><\/p><p><span style=\"font-weight: 400;\">Clearly defined regulations typically reduce uncertainty for various market participants, including financial institutions, payment service providers, merchants, fintech companies, and large corporations. When there are clearer rules for doing business, more companies may be willing to use stablecoins in everyday transactions. <\/span><\/p><p><span style=\"font-weight: 400;\">There&#8217;s a paradox here. Banks have been looking for regulation to limit the possible risks posed by stablecoins, but this same regulation could increase their acceptance and turn them into even more serious competition to traditional financial services. <\/span><\/p><p><span style=\"font-weight: 400;\">In other words, the banking sector may have partially accelerated the inclusion of digital dollars in the traditional financial system precisely through demands for clearer rules.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b559d5 e-flex e-con-boxed e-con e-parent\" data-id=\"1b559d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7d742a elementor-widget elementor-widget-image\" data-id=\"b7d742a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/euro.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-094429a e-flex e-con-boxed e-con e-parent\" data-id=\"094429a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe87b26 elementor-widget elementor-widget-text-editor\" data-id=\"fe87b26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2490073 e-flex e-con-boxed e-con e-parent\" data-id=\"2490073\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-149d481 elementor-widget elementor-widget-heading\" data-id=\"149d481\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What do stablecoin users need to know?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89c9c13 e-flex e-con-boxed e-con e-parent\" data-id=\"89c9c13\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42bbde8 elementor-widget elementor-widget-text-editor\" data-id=\"42bbde8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This discussion is also important for users because it will affect what kind of digital money options will be available in the future.<\/span><\/p><p><span style=\"font-weight: 400;\">Stablecoins bring certain capabilities such as fast transfers, use in global transactions, connection to blockchain applications, etc. However, they are not the same as traditional bank deposits. <\/span><\/p><p><span style=\"font-weight: 400;\">There are several important differences:<\/span><\/p><ul><li> <span style=\"font-weight: 400;\"> Stablecoin funds are generally not covered by deposit insurance like the one provided by the FDIC in the US<\/span><span style=\"font-weight: 400;\"><br\/><\/span><span style=\"font-weight: 400;\">\u2022 Stablecoin issuers may restrict or freeze certain addresses in certain situations<\/span><span style=\"font-weight: 400;\"><br\/><\/span><span style=\"font-weight: 400;\">\u2022 the process of redeeming stablecoins may vary depending on the issuer<\/span><span style=\"font-weight: 400;\"><br\/><\/span><span style=\"font-weight: 400;\">\u2022 How to manage reserves differs between different stablecoins<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This is why stablecoins should be viewed as a special type of digital asset that has different rules of operation compared to bank accounts. Although they are designed to track the value of the dollar, how they are used, how reserves are managed, and the potential risks are different from traditional financial products. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10aa358 e-flex e-con-boxed e-con e-parent\" data-id=\"10aa358\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0abe635 elementor-widget elementor-widget-image\" data-id=\"0abe635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/s3-images.ctmedia.io\/media\/article-covers\/hi-stablecoins-are-dominating-the-market.jpg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffb392b e-flex e-con-boxed e-con e-parent\" data-id=\"ffb392b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-074ba36 elementor-widget elementor-widget-text-editor\" data-id=\"074ba36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source: <a href=\"https:\/\/cointelegraph.com\/\">cointelegraph<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a331eb3 e-flex e-con-boxed e-con e-parent\" data-id=\"a331eb3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e59406f elementor-widget elementor-widget-heading\" data-id=\"e59406f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">The fight over the future of digital money<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1ffd1d e-flex e-con-boxed e-con e-parent\" data-id=\"e1ffd1d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-491337b elementor-widget elementor-widget-text-editor\" data-id=\"491337b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The stablecoin debate is no longer just a matter of technical rules for cryptocurrencies. It is increasingly turning into a broader debate about who will shape the future financial infrastructure. <\/span><\/p><p><span style=\"font-weight: 400;\">For decades, banks have played a key role in managing deposits, payments and money transfers, as these activities have traditionally required large centralised institutions. Stablecoins based on blockchain technology represent a different model of value transfer because they enable fast digital transfers over global networks without relying on traditional banking channels. <\/span><\/p><p><span style=\"font-weight: 400;\">Banks initially supported the regulation of stablecoins to introduce clearer oversight and control over their use. However, they now face the possibility that these same rules will help stablecoins become a more widely accepted form of digital money. <\/span><\/p><p><span style=\"font-weight: 400;\">As a result, the debate has become more intense. One of the key questions in the current discussions is whether stablecoins will remain limited to certain forms of payment or will they find wider application. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Stablecoins can enable faster payments, 24\/7 availability, and, in certain cases, lower transaction costs. That is why there is more and more talk about their role in the future of digital money.<br \/>\nAt the same time, their increasing use has opened a debate between the crypto industry and the banking sector about what the future financial system should look like.<br \/>\nWhat&#8217;s behind this debate, and why have stablecoins become one of the most important regulatory issues? <\/p>\n","protected":false},"author":3,"featured_media":12951,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49,48],"tags":[],"class_list":["post-12950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news","category-dive-deeper"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why are banks calling for stricter regulation of stablecoins? - Kriptomat<\/title>\n<meta name=\"description\" content=\"Stablecoins allow for faster payments and 24\/7 availability, and their role in the future of money and the financial system is increasingly being discussed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kriptomat.hr\/en\/why-are-banks-calling-for-stricter-regulation-of-stablecoins\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why are banks calling for stricter regulation of stablecoins? 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