The Board of Directors of the Federal Deposit Insurance Corporation (FDIC) has moved to integrate stablecoins into the traditional financial system.
Through the approval of the Notice of Proposed Rulemaking (NPRM), the authorities aim to implement the standards and requirements for payment stablecoin issuers established in the GENIUS Act. to assimilate them legally and operationally. With traditional bank deposits.
One of the most relevant aspects of the regulations approved on Tuesday, April 7, 2026 is the clarification of the treatment of tokenized deposits. The FDIC recognizes that if these financial instruments meet the statutory definition of a “deposit,” They don’t get any special treatment. More than any other type of traditional savings, it is covered by the Federal Deposit Insurance Act.
Additionally, the rule also addresses the applicability of “pass-through” insurance (pass-through insurance) Regarding the reserves backing these digital currencies, Provides users with a layer of legal security However, it imposes a greater regulatory burden on issuers.
The regulation also covers insured custody institutions that provide storage and protection services for these digital assets. By raising barriers to entry, regulators are trying to ensure that only companies with strong and supervised financial structures can operate in the market.
The regulatory move also responds to the need to implement the Guiding and Establishing National Innovation in U.S. Stablecoins Act (GENIUS).
As defined by CriptoNoticias, the GENIUS Act is the first federal corporation in the United States designed specifically for a “payments stablecoin.” The latter is a type of stablecoin that is specifically designed to serve as a means of payment or settlement in everyday transactions, remittances, and commerce while maintaining a stable value.
GENIUS establishes who can issue these stablecoins, requires each token to be backed 1:1 with auditable assets, and forces the publication of regular reports on the status of reserves. Under this umbrella, the FDIC is currently proposing clear rules regarding reserve assets, redemption mechanisms, capital levels, and risk management standards.
This action is the second FDIC rulemaking related to the GENIUS Act, following regulations regarding bank application procedures issued on December 19, 2025. Issues its own stablecoin through a subsidiary. This also complies with regulations issued by the Commodity Futures Trading Commission (CFTC), which reissued rules in February that allow clearing stablecoins to be used as collateral or margin for futures transactions.
With this measure, the US government seeks to eliminate legal ambiguity for digital assets related to the dollar. Although at the expense of tighter state surveillance.. The process is currently in the public hearing stage, which will last 60 days after formal publication in the Federal Register.
(Tag Translate) Banking and Insurance
