The U.S. Office of the Comptroller of the Currency has finalized its payment stablecoin rule, giving Tempo partners more flexibility on rewards and white-label issuance than the proposal did.
The U.S. federal framework for payment stablecoins and the final rule will take effect on January 18, 2027. Two changes matter most for teams building on Tempo.
On rewards: The proposal presumed that “an issuer pays an affiliate, which then passes the money on to holders” was a violation, unless the issuer could prove otherwise—a heavy burden. The final rule instead looks at the substance: rewards are permissible as long as they are not solely for holding, using, or retaining stablecoins. Businesses can still pay corporate marketing and distribution fees, and they can also use rewards to encourage genuine product use. Yield on idle balances on Tempo is one such example. Each arrangement will still be reviewed individually and remains subject to anti-evasion provisions; further guidance may also follow.
On white-label issuance: Regulators considered requiring each issuer to have just one brand and requiring separate reserves for each brand, but neither requirement made it into the final rule. Partners can continue working with issuers to issue stablecoins under their own brands, without setting up a separate reserve for each brand.
The final rule is more practical than the proposal on rewards, revenue sharing, and branded issuance. The rules will still be assessed case by case; this is not an unconditional green light.
Source: Tempo official blog (October 23, 2026)
#Tempo #稳定币 #Cryptocurrency
$BTC
The U.S. federal framework for payment stablecoins and the final rule will take effect on January 18, 2027. Two changes matter most for teams building on Tempo.
On rewards: The proposal presumed that “an issuer pays an affiliate, which then passes the money on to holders” was a violation, unless the issuer could prove otherwise—a heavy burden. The final rule instead looks at the substance: rewards are permissible as long as they are not solely for holding, using, or retaining stablecoins. Businesses can still pay corporate marketing and distribution fees, and they can also use rewards to encourage genuine product use. Yield on idle balances on Tempo is one such example. Each arrangement will still be reviewed individually and remains subject to anti-evasion provisions; further guidance may also follow.
On white-label issuance: Regulators considered requiring each issuer to have just one brand and requiring separate reserves for each brand, but neither requirement made it into the final rule. Partners can continue working with issuers to issue stablecoins under their own brands, without setting up a separate reserve for each brand.
The final rule is more practical than the proposal on rewards, revenue sharing, and branded issuance. The rules will still be assessed case by case; this is not an unconditional green light.
Source: Tempo official blog (October 23, 2026)
#Tempo #稳定币 #Cryptocurrency
$BTC