When will the FDIC's stablecoin framework take effect?

The FDIC’s proposal includes a public comment period, with a final rule expected by mid-2026. Banks can apply for subsidiary approvals thereafter based on the finalized standards.

Who will be most impacted by the GENIUS Act?

Insured banks seeking to issue stablecoins will navigate new compliance rules, while institutional investors may benefit from enhanced stability and transparency in bank-issued digital assets.

How does the subsidiary issuance model work?

Banks will create separate legal entities (subsidiaries) to issue stablecoins, allowing FDIC to assess risks isolated from the bank’s core operations.

Why is the American Bitcoin holding significant?

It signals major corporate confidence in Bitcoin’s long-term utility and aligns with a growing trend of corporate treasury diversification into digital assets.

Is Bhutan’s Bitcoin reserve use a model for other nations?

While still novel, Bhutan’s governance-focused approach may inspire other countries holding crypto assets to consider strategic economic projects funded by digital reserves.

What should investors consider amid these developments?

Investors should weigh the increased regulatory clarity against persistent volatility and evolving frameworks; diversification and risk management remain essential.

FDIC’s GENIUS Act Sets New Stablecoin Framework in 2025

Lukas

Dec 22, 2025

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5 min read

No content available.

Bank-Issued Stablecoins FDIC GENIUS Act Institutional Crypto Adoption Stablecoin Regulation 2025 US Stablecoin Framework

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