FDIC plans clear rules for stablecoins by the end of 2025 – what can we expect?

FDIC plans clear rules for stablecoins by the end of 2025 – what can we expect?

The Federal Deposit Insurance Corporation (FDIC) advocates for clear regulatory guidance to guide the integration of stablecoins into U.S. banks' commercial bank deposits. On November 14, 2025, Travis Hill, acting chairman of the FDIC, made the announcement during the Ninth Annual Fintech Conference, where the future of digital currencies was hotly debated. Hill said the first regulations are expected to be published by the end of 2025, which could have a significant impact on the financial sector.

This initiative follows the adoption of the GENIUS law in July 2025, which aims to set new standards for the handling of digital assets. Hill emphasized the need for an application process required by law to ensure that deposits - regardless of the technology used - are considered as such. This measure is crucial to create trust in the use of stablecoins and tokenized bank deposits.

Regulatory transparency and technical requirements

The FDIC takes a consistent and transparent approach to supervising banks offering crypto and blockchain products. A key point Hill raised was the need for digital assets to function correctly even in the event of a sudden bank failure. This requires the creation of technical capabilities to stop the flow of funds via blockchains in the event of a crisis, which is essential for the security of deposits.

In 2025, the FDIC and other US banking regulators withdrew restrictive statements and guidance on crypto asset risks and liquidity vulnerabilities. This means that banks now have the authority to actively engage in custody and activities surrounding stablecoins as well as node verification. Further, in March 2023, the FDIC lifted previous notification requirements and clarified that supervised banks can engage in permitted crypto-related activities without prior approval. These developments could pave the way for wider acceptance and use of crypto technologies in the regular banking world.

Things are changing rapidly in the world of finance, and regulators are under pressure to adapt and find innovative solutions. The FDIC's next steps will be critical to increasing consumer confidence in new digital financial products while maintaining a stable economic environment. The focus on clear rules and technical standards is a step in the right direction to meet the challenges of digital change in the financial industry.