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Stablecoins

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Stablecoins are digital assets pegged to a stable reserve, such as the US Dollar or Gold, to minimize price volatility. Serving as the primary medium of exchange in Web3, tokens like USDT, USDC, and PYUSD facilitate global payments and DeFi liquidity. In 2026, the focus has shifted toward yield-bearing stablecoins and compliant stablecoin frameworks under global regulations like MiCA. This tag covers the intersection of traditional finance (TradFi) and crypto through stable on-chain liquidity solutions.

23308 Articles

Created: 2026/02/02 18:52

Updated: 2026/02/02 18:52

Payments are broken, and stablecoins are rapidly fixing them | Opinion

Payments are broken, and stablecoins are rapidly fixing them | Opinion

We are watching the biggest transformation since credit cards. The companies that capitalize on this will thrive.

Author: Crypto.news

2025/07/23

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Bank of England Considers Abandoning Digital Pound CBDC Project Amid Growing Opposition

Bank of England Considers Abandoning Digital Pound CBDC Project Amid Growing Opposition

Bank of England officials are considering abandoning plans to create a digital pound for households amid growing skepticism about the project’s benefits. The BOE has privately urged the banking industry to accelerate payment innovations that could deliver similar benefits without the need for a central bank digital currency for consumers. Digital Currency or Nothing, Not Even Bitcoin According to Bloomberg , Governor Andrew Bailey told Parliament Tuesday that “ if the work with commercial banks is successful, I would need a lot of convincing ” on the need for Britcoin. The central bank’s retreat from its previously supportive stance follows its expenditure of £24 million on research and development since 2021. It came amid over 50,000 public consultation responses and resistance from lawmakers, privacy advocates, and conspiracy theory groups concerned about government surveillance of financial transactions. Bailey’s preference for tokenized bank deposits over CBDCs aligns with his concerns about stablecoins taking “money out of the banking system” and the “credit creation world.” The governor advocates digitizing existing bank deposits rather than creating new forms of state-backed money for consumers. The shift occurs as global CBDC enthusiasm wanes, with the Trump administration blocking further U.S. work with the GENIUS Act , and South Korea halting its digital currency pilot program . Only the European Central Bank continues advancing its digital euro project among major economies. Project Faces Mounting Criticism and Technical Challenges Former Bank of England economist Neil Record has previously described the digital pound initiative as a “white elephant,” driven by the Bank’s financial interests rather than consumer needs. 💰 The Bank of England's digital pound project is criticized as a costly "white elephant" by former economist Neil Record, citing lack of demand and privacy concerns. #DigitalPound #CBDC https://t.co/wJzmsc3lol — Cryptonews.com (@cryptonews) March 3, 2025 Critics argue that no compelling justification exists for the project, despite substantial taxpayer investment over the past three years. The Bank’s primary income derives from interest foregone by physical currency holders, and declining cash usage threatens this economic model. Cash payments dropped from 51% in 2013 to just 12% in 2023, prompting concerns that the Bank seeks digital currency relevance as physical money becomes obsolete. Privacy concerns intensify opposition as the proposed digital pound offers no interest payments and appears redundant compared to the existing banking infrastructure. Commercial banks already provide digital payment services, interest-bearing accounts, and financial security for deposits under £85,000 through established frameworks. Over 50,000 consultation responses highlighted privacy fears and potential destabilizing impacts if investors flooded state-backed digital currencies during crises, siphoning funds from other financial sectors. Lord Forsyth criticized the initiative as “a solution in search of a problem,” given the massive expenditure without clear benefits. Recent BOE research found diminishing benefits from CBDC launches as consumers increasingly adopt existing online payment technologies. Regulatory Focus Shifts to Stablecoin Oversight and Bank Restrictions Bailey emphasized the significant systemic risks associated with banks issuing private stablecoins, preferring regulated tokenized deposits that align with existing banking practices. The governor warned stablecoin proliferation could undermine sovereign monetary control and fragment financial systems without proper oversight. 🇬🇧 Bailey’s comments reflect growing concern among central banks about digital currencies operating beyond public control. #boe #uk #stablecoin https://t.co/ZQCkYP0aTE — Cryptonews.com (@cryptonews) July 3, 2025 The BOE is implementing Basel Committee standards restricting UK banks’ crypto exposure to 1% of investments by 2026. Executive Director David Bailey described the upcoming rules as “restrictive,” encouraging banks to maintain minimal cryptocurrency exposure due to heightened risks of price volatility. The Financial Conduct Authority advances its “gateway regime” authorization framework for crypto companies by 2026, while finalizing regulatory structures for stablecoins and crypto custody services. 🇬🇧The UK is coming up with more crypto rules that would be on the "restrictive end," encouraging banks to keep low exposure to crypto. #BankofEngland #CryptoExposure https://t.co/fAcnbzeDoh — Cryptonews.com (@cryptonews) June 19, 2025 The regulator is seeking public input on its plans for regulating stablecoins as the adoption of digital assets accelerates. Bailey cautioned that emerging digital money forms could disrupt financial trust if left unregulated, requiring careful monitoring of their effects on monetary unity and the “singleness of money.” He questioned the role of reserve currencies in systems where payment technologies bypass traditional oversight mechanisms. The stablecoin market grew from $125 billion to $255 billion in under two years, prompting regulatory concerns about the potential for fragmented monetary systems. The central bank maintains the capability to launch CBDCs if warranted, but prioritizes private sector payment innovations over state-backed alternatives. The approach marks a significant retreat from 2021 positions when officials considered digital pounds “likely” necessary for future monetary systems.

Author: CryptoNews

2025/07/23

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Hong Kong Monetary Authority to release summary of stablecoin licensing regime next week

Hong Kong Monetary Authority to release summary of stablecoin licensing regime next week

PANews reported on July 23 that Eddie Yue, Chief Executive of the Hong Kong Monetary Authority, said that the Stablecoin Ordinance will take effect on August 1, when it will

2025/07/23

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The trillion-dollar asset management giant Charles Schwab has made a bold statement that it will "definitely compete with Coinbase" and is also planning stablecoins and tokenization

The trillion-dollar asset management giant Charles Schwab has made a bold statement that it will "definitely compete with Coinbase" and is also planning stablecoins and tokenization

Author: Weilin, PANews As one of the leading financial services companies in the United States, Charles Schwab is accelerating its expansion into the cryptocurrency field. According to the latest statement

2025/07/23

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Bitwise 10 Crypto Index Fund conversion stayed by SEC hours after approval

Bitwise 10 Crypto Index Fund conversion stayed by SEC hours after approval

Shortly after approving the Bitwise 10 Crypto Index Fund conversion, the U.S. Securities and Exchange Commission paused the decision for a full Commission review. So, why is the SEC halting approvals? On July 22, the SEC’s Division of Trading and…

Author: Crypto.news

2025/07/23

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Technical guidance: Smart contract implementation guide for Hong Kong stablecoin issuers

Technical guidance: Smart contract implementation guide for Hong Kong stablecoin issuers

With the formal passage of the Stablecoin Ordinance, the Hong Kong Monetary Authority (HKMA) issued the "Draft Guidelines for the Supervision of Licensed Stablecoin Issuers" on May 26, 2025, aiming

2025/07/23

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BitWise Chief Investment Officer: Bulls crush bears, ETH prices will continue to rise

BitWise Chief Investment Officer: Bulls crush bears, ETH prices will continue to rise

By Matt Hougan , Chief Investment Officer at BitWise Compiled by: Tim, PANews This article will analyze why the price of ETH has risen and why it will continue to

2025/07/23

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Arthur Hayes' latest prediction: Trump's fascist economy will ignite the crypto bull market, and Bitcoin will reach $250,000 by the end of the year!

Arthur Hayes' latest prediction: Trump's fascist economy will ignite the crypto bull market, and Bitcoin will reach $250,000 by the end of the year!

Unveiling the secret waltz between Trump’s “fascist economy” and the crypto bull market — the deadly dance between Bitcoin and the “credit drum”, are you following the dance with your

2025/07/23

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Ping An Securities: Hong Kong may adopt dual-track regulation of stablecoins

Ping An Securities: Hong Kong may adopt dual-track regulation of stablecoins

PANews reported on July 23 that according to the Hong Kong Wen Wei Po, Ping An Securities released a stablecoin report pointing out that Hong Kong may form a dual-track

2025/07/23

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South Korean blockchain infrastructure provider DSRV completes first round of financing of approximately US$11.6 million

South Korean blockchain infrastructure provider DSRV completes first round of financing of approximately US$11.6 million

PANews reported on July 23 that according to Edaily, South Korean blockchain infrastructure provider DSRV has completed its first round of financing of approximately 16 billion won (approximately 11.6 million

2025/07/23

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