FDIC Plans New Stablecoin Oversight Framework by 2025
- FDIC moves to clarify stablecoin rules and tokenized deposit insurance.
- Tokenized assets surge as institutions expand pilots across major markets.
- New frameworks could reshape stablecoin issuance under federal oversight.
Regulation of stablecoins gained ground this week, with the Federal Deposit Insurance Corporation (FDIC) verifying that there are new schemes on tokenized deposits and the control of stablecoin issuers. A new set of guidance to these activities will be introduced by the agency. The instructions will articulate the effect of deposit insurance by a bank with the presentation or recordings of deposits on the blockchain.
The initiative was described by the acting FDIC Chair Travis Hill at the Fintech Conference held at the Federal Reserve Bank of Philadelphia. He alleged that the FDIC anticipates having a completed application process of issuers of stablecoins by the close of 2025.
The arrangement of a deposit, according to Hill, must not shift upon being presented on a distributed ledger. He emphasized that the law-related rights associated with insured deposits should not be tampered with on any technology.
Hill Reaffirms Equal Treatment for Blockchain Deposits
Hill has made a point, which he has made numerous times before. According to him, a deposit made on a blockchain must be treated by the same laws as a deposit made in an ordinary system.
Also Read: FDIC Eases Crypto Banking Regulation, Marking a Major Policy Shift
There is an increased interest in the tokenization of real-world assets in the global markets. According to the industry data, there is a solid rise in tokenized private credit and U.S. Treasurys in the first half of the year 2025.
According to RedStone, the tokenized assets, which exclude stablecoins, had a valuation exceeding more than $24 billion at that time. There has been heightened activity and an increased number of pilot programs of financial firms in a number of asset classes.
BlackRock remains at the forefront of massive tokenization. Its tokenized money market fund, BUIDL, was launched in 2024. The product expanded very quickly and turned into a significant tool of the tokenized asset market. Institutional involvement has been on the rise with every passing quarter as companies seek new settlement forms as well as liquidity instruments.
Hill verified that the FDIC is constructing a complete regulatory framework on issuance of stablecoins. The plan is based on the requirements of GENIUS Act. That legislation guides agencies in the United States to develop similar sets of the stablecoin standards.
FDIC Sets Stablecoin Standards
The FDIC activities have involved establishing standards that are in the areas of capital levels, reserve composition and risk controls. These guidelines can be used as a requirement to banks which wish to be approved to issue stablecoins under federal supervision.
It is unknown how many banks are ready to apply. Hill claimed that the agency is coming up with in-house review standards. These standards are going to specify safety, liquidity and operational integrity expectations. They will also inform the way the FDIC reviews the stablecoin proposals submitted by insured institutions.
Stablecoins are still growing in the market of digital assets. The total market capitalization of both companies was $304.97 billion, reported by DefiLlama on Friday. The use of payments and trading as well as integration into tokenized financial platforms has served as sources of growth. In other settlement experiments in large institutions, stablecoins are likewise central.
Future tokenization is of a scale as pointed out in new research. Animoca Brands stated that real-world assets tokenization had the potential to access a conventional finance market valued at approximately $400 trillion.
Analyst Andrew Ho and Ming Ruan opined that the scale of global private credit, government debt, commodities, equities, alternative funds, and bonds leaves a big growth route of tokenized products.
According to the 2025 Skynet RWA Security Report, tokenisation of real-life assets would be reaching up to $16 trillion by the year 2030. It is, in addition, estimated in the report that tokenized U.S Treasurys will reach $4.2 billion this year. Activity in short-term government debt is still most vigorous.
Also Read: Is the FDIC Covering Up Operation Chokepoint 2.0? Coinbase Pushes for Clarity
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