emergencyBreaking NewsKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisisKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisis
DoiDoi
Credit & Lendingexpand_more
Credit CardsPersonal LoansStudent Loans
Markets & Investingexpand_more
Stocks & ETFsCrypto & BlockchainFed & Macro
Retirement & Benefitsexpand_more
401(k) & IRASocial SecurityRetirement Policy
Real Estateexpand_more
Mortgage RatesHousing Market
Financial Foundationexpand_more
Budgeting & SavingInsurance
Latest News
MarketsPortfolio
The Digital Ledger
Credit & Lending
Markets & Investing
Retirement & Benefits
Real Estate
Financial Foundation
Latest News
Dashboards

Institutional Financial Analysis

Home/Markets & Investing/STABLECOIN REGULATION · STABLECOIN US LEGISLATION

FDIC Stablecoin Framework Shifts Reserve Insurance to the Issuer Level

BF

Beau Fitzgerald

stablecoin regulation · Apr 9, 2026

FDIC Stablecoin Framework Shifts Reserve Insurance to the Issuer Level

Source: DojiDoji Data Terminal

Reserve deposits backing payment stablecoins will not be passed through to token holders. Instead, the rule clarifies that insurance for these reserves is held at the issuer level.

Related Brief3d ago
stablecoins

B2B Stablecoin Settlement Requires Compliance Infrastructure to Realize Cost Savings

Institutions can retain more economics currently lost to payment frictions by using stablecoins to compress settlement times to minutes and reduce intermediaries. This is a shift from traditional B2B payment rails that require 2–5 days to settle and incur multiple intermediary fees on each transaction. The potential for these gains exists within the $120T+ B2B payments market. However, compliance, authorization, and reconciliation requirements prevent the realization of these revenue gains. Institutions must verify counterparties, confirm pre-settlement authorization, and transmit invoice data with funds to avoid regulatory blocks and operational overhead. Notabene Flow provides infrastructure to address these compliance and reconciliation gaps. This demand for compliance-centric transaction tooling increases as U.S. regulatory frameworks for payment stablecoins solidify. The shift follows proposed rulemaking by the FDIC to implement the GENIUS Act and a related Treasury proposal.

This is the first of two rules implementing the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act), which the FDIC board approved on April 7. The framework establishes reserve asset, redemption, capital, and risk management standards for FDIC-supervised payment stablecoin issuers. It also sets requirements for insured depository institutions that provide custodial and safekeeping services for these issuers.

Related Brief2d ago
digital assets

Stablecoin Yield Ban Transfers $800 Million From Consumers to Banks

Consumers lose $800 million in annual returns under a prohibition of yield on digital assets. This loss is the result of the GENIUS Act, enacted in July 2025, which prohibits stablecoin issuers from offering issuers from offering interest or yield on holdings. Users moved $54.4 billion from stablecoins back into bank deposits. Total bank lending increased by $2.1 billion, representing 0.02% of the total loan size. Large banks provide 76% of6% of the additional lending, while community banks with assets below $10 billion provide 24%. Community bank lending increased by $500 million, or 0.026%.

On December 19, 2025, the FDIC issued a separate proposed rule establishing application procedures for insured depository institutions seeking to issue payment stablecoins through a subsidiary. This current proposed rule marks the second implementation of the GENIUS Act. The FDIC is accepting comments on the idéee own the proposed rule for idéee own 60 days after its publication in the Federal Register.

Related Brief2d ago
digital assets

Hong Kong’s Stablecoin Licenses Mandate Full Reserve Backing for Digital Assets

Licensed stablecoin issuers in Hong Kong must maintain 1:1 reserves in high-quality, liquid assets at all times. This reserve requirement, along with mandatory transparent redemption mechanisms, strict governance, and anti-money laundering controls, forms the basis of the regulatory framework established by the Hong Kong Monetary Authority that took effect August 1, 2025. The HKMA reviewed 36 applications and granted licenses to only three firms: Anchorpoint Financial, HSBC, and OSL. Anchorpoint Financial is a joint venture between Standard Chartered Bank’s local subsidiary, blockchain firm Animoca Brands, and Hong Kong Telecommunications. The HKMA holds enforcement power to investigate non-compliance and impose penalties ranging from fines to license revocation.

stablecoin regulationstablecoin US legislation

The Ledger Morning

The essential intelligence to start your trading day. Delivered 6:00 AM EST.

Join 50,000+ professionals who start their day with The Digital Ledger.

No spam. Unsubscribe anytime.

Read More Analysis

emergency fund

Kim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency Fund

Families in crisis in Hopkinton may receive short-term financial assistance grants through the Hopkinton Emergency Fund.…

Fed interest rate decision

Mortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits Refinancing

Homeowners are unlikely to refinance despite a recent dip in mortgage rates. The average 30-year fixed refinance rate fe…

DoiDoi

© 2026 DojiDoji. All rights reserved.

EditorialEditorial GuidelinesCorrections
LegalPrivacy PolicyTerms of Service
DisclosureSEC DisclosuresAd Choice
SocialX (Twitter)LinkedIn