FDIC introduces new framework for payment stablecoins, bank subsidiaries may be approved to issue

ZkSnarker

2025-12-16 16:00:10

【币界】美联储旗下的联邦存款保险公司最近有了新动作。他们提出了一套全新的框架方案，明确了商业银行通过子公司渠道申请发行支付稳定币的具体路径。

这一举措被业内普遍看作是美国金融监管层面的重要突破。要知道，支付稳定币一直处于监管模糊地带，这次FDIC的明确表态算是给了市场一个相对清晰的信号。新框架不仅规定了申请条件，也为银行体系进入稳定币领域打开了窗口。

对于传统金融机构来说，通过子公司这种相对独立的方式参与稳定币发行，既能规避风险，也能获得更大的灵活性。这可能激发更多金融机构对稳定币赛道的兴趣，加速传统金融与Web3生态的融合。

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LiquidationWatcher

· 13h ago

Ha, finally opening up for stablecoins. Traditional finance still has to jump on the Web3 bandwagon. Do they really think that being a subsidiary of a bank can completely isolate risks... In the end, regulators just want to collect taxes. This wave of big banks will definitely step in to grab a share, and retail investors will be harvested again. The FDIC framework should have been introduced long ago. It's really frustrating that it's been delayed for so long. Bank involvement can demonstrate the value of stablecoins, but we need to watch out for their monopoly attempts. Are they trying to have traditional finance take over stablecoins? Now the crypto world and Wall Street are really about to clash, and no one knows who will end up winning.

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rekt_but_vibing

· 19h ago

Someone finally clarified the rules, but can this thing really be implemented? Or is it just another "regulatory-friendly" hype? Will banks really start dealing with stablecoins? It still feels like a risky dead end. If this actually happens, traditional finance might be entering a new round of shakeouts. Having a clear framework is a good thing, but I worry that the implementation will just be another set of excuses. Feels like this is paving the way for Coinbase and others? Wait, subsidiaries issuing stablecoins... isn't that still regulated? What's more free than USDT? Basically, it's about finding a compliant path for big banks; retail still has to watch closely. Finally, we don't have to tremble in the gray area anymore, even though I'm not a big bank. This signal is a bit late; USDC has already been widely adopted.

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MelonField

· 12-16 16:26

It's finally about to be officially recognized, and the pace of traditional finance entering the space is accelerating. Banks are developing stablecoins... Feels like they're leaving themselves an escape route? The FDIC's move is very clear—compliance pathways are being paved. Regulators are opening the gates, big institutions are rushing in, while retail investors are still debating which coin to buy. This time, true integration is happening, but who will actually benefit remains uncertain. The subsidiary's approach is a standard operation of wanting it all. It feels like watching traditional finance's self-rescue—quite interesting. Wall Street is finally taking this seriously... A clear signal = anxiety about missing out. The framework is set, now it's just a matter of who acts faster. This wave of benefits probably won't reach retail investors. The integration is underway, Web3 is turning into a playground for finance. Clear regulation = risk transferred to banks to bear. Let's wait and see—once big banks enter, the ecosystem will change. What about the RMB stablecoin? Still waiting for what?

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MEVHunterLucky

· 12-16 16:26

Someone finally set the tone for this matter. It was a complete mess before, and now the bank subsidiary approach is clever. By the way, will the real big institutions actually follow suit? Or is this just another seemingly attractive framework? Traditional finance entering stablecoins means Web3 is about to be tamed. Wait, when this window opens, could it be another form of regulation disguised as oversight? Don't be so naive, everyone. The subsidiary model is indeed brilliant—having a financial license while maintaining flexibility. Smart people.

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MevShadowranger

· 12-16 16:18

Haha, the banks have finally decided to get involved. Now stablecoins will no longer grow wildly. The move by the US is quite interesting, giving traditional finance a legitimate entry point. It feels like once this framework is in place, the gap between the crypto world and Wall Street will be even closer. Wait, does this mean big institutions are coming to harvest the leeks? Old hens laying new eggs, the tactics are still the same, just a different shell. Subsidiary operations... sounds like they want to enjoy regulatory benefits while keeping their distance, a bit clever. FDIC's move, how many will follow suit, it's concerning. This round has indeed been connected, but the real show is probably still to come. Speaking of which, the classic American split, risk management is really thorough. The stablecoin market is about to change, get ready everyone.

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HalfBuddhaMoney

· 12-16 16:16

Wait, did the FDIC really loosen the rules? If that's true, traditional financial institutions will have to follow suit this time. Bank subsidiaries issuing stablecoins seem to be testing the regulatory bottom line. Another "clear signal"—this phrase has become quite tiresome in the crypto world. By the way, does this framework actually have substance, or is it just another empty document? But the sub-approach is indeed clever; isolating the risk makes it safe to play. Do traditional finance really want to enter the market this time?

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degenonymous

· 12-16 16:16

In the end, it's still the big bank capital that calls the shots. They give a framework and call it "Icebreaking," but honestly, it's just a routine. --- Wait, can this really solve systemic risks like USDC? It still feels like superficial work. --- Traditional finance entering the scene has completely changed the nature of the stablecoin track. --- What risks can the subsidiary company model really avoid? It feels like closing one's eyes to steal a bell. --- The Federal Reserve suddenly being so friendly—there's definitely a bigger strategic consideration behind it. We need to stay alert.

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NftBankruptcyClub

· 12-16 16:08

Wait, FDIC is about to officially enter the scene? I've been saying traditional finance needs to wake up for a while. Bank subsidiaries issuing stablecoins—does this mean the US is really going all in now? The regulatory framework is clear, large-scale capital inflows are just around the corner... Feels like the pace of change is a bit fast. If this succeeds, the stablecoin sector might really see a major shift. But no matter how good the rules are, they can't guarantee execution—let's see how things unfold. Is this the beginning of traditional finance and Web3 shaking hands? Quite interesting.

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