Banking chain countdown for issuing coins: FDIC new regulations ignite reshuffling of dollar stablecoin
The Federal Deposit Insurance Corporation (FDIC) approved a key proposal on December 16, 2025, paving the way for regulated banks to apply for the issuance of stablecoins. This is the first specific rule implementing the 'Genius Act' signed by Trump in July, marking the formal push of traditional banks into the wave of crypto payments.
According to the proposal, banks can apply to become 'licensed payment stablecoin issuers' by establishing subsidiaries. The process contains an 'accelerator': if the FDIC does not make a decision within 120 days, the application may automatically take effect, thereby forcing regulatory efficiency.
This move directly impacts the existing landscape. Native giants like Circle and Tether will face a massive influx of compliant customers and trust advantages brought by traditional banks. More importantly, the act requires that stablecoins must be pegged 1:1 to highly liquid assets such as the dollar, essentially converting global stablecoin users into potential holders of U.S. Treasury bonds, extending dollar hegemony into the digital age.
The battlefield has been defined, and the real outcome will depend on the capital rules set by the FDIC. The entry of the banking army signifies that a profound transformation regarding the form of currency over the next decade has already begun.
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