fdic

Tas ir viens no vissvarīgākajiem stabilo monētu attīstības notikumiem pēdējos gados — un tas notika klusi visu Irānas/CPI trokšņu vidū.
2026. gada 7. aprīlī FDIC direktoru padome apstiprināja paziņojumu par ierosinātajiem noteikumiem, kas īstenos GENIUS likumu — izveidojot prasības un standartus, kas attiecas uz FDIC uzraudzītajiem atļautajiem maksājumu stabilo monētu izsniedzējiem un apdrošinātajām depozītu iestādēm, kas veic darbības, kas saistītas ar maksājumu stabilo monētu.
Vienkāršā angļu valodā: ASV bankām tiek sniegta skaidra juridiska ceļš, lai izsniegtu savas dolāra piesaistītās stabilo monētas. Noteikumu grāmata tiek rakstīta. Rāmji ir reāli.

The public has 60 days to weigh in. That’s how much time the Federal Deposit Insurance Corporation is giving Americans to respond to its newly proposed framework for regulating stablecoin issuers — a plan built around 144 specific questions the agency wants answered before it finalizes anything.
A Framework Built On Reserve And Risk Standards
The FDIC’s board voted this week to put forward rules that would set standards for reserves, redemptions, capital requirements, risk management, and custody practices for coin issuers operating under its watch.
The proposal applies to FDIC-supervised banks and savings institutions — more than 2,700 of them — and is tied to the Guiding and Establishing National Innovation for US Stablecoins Act, better known as the GENIUS Act, which was signed into law last July.

The law handed the FDIC formal authority over transaction activity inside the institutions it already supervises. Full implementation is scheduled for January 18, 2027, unless the rules take effect earlier.
This is the agency’s second move to put the GENIUS Act into practice. Back in December, the FDIC put forward a separate plan to set up an application process for insured depository institutions wanting to issue payment stablecoins through subsidiaries. Tuesday’s announcement builds on that earlier step.

The Coverage Gap Stablecoin Users Should Know About
Here’s the part that may surprise some holders. While the reserves that back a stablecoin would be insured under the proposed rules, the people actually holding those stablecoins would not be.
$BTC
The FDIC said extending deposit insurance directly to stablecoin holders would conflict with the text of the GENIUS Act itself, which explicitly bars payment stablecoins from being covered by federal deposit insurance.
The agency acknowledged the limitation but argued the rules would still benefit everyday users. A more tightly regulated environment, officials said, means stablecoin holders get stronger assurances that the issuers behind their tokens are being held to serious regulatory standards — even if a federal safety net doesn’t cover them directly.

A Bigger Regulatory Picture Taking Shape
The FDIC is not working alone. The Office of the Comptroller of the Currency is running its own parallel effort to bring the GENIUS Act to life. Its reach goes further — covering national bank subsidiaries and certain nonbank stablecoin issuers that fall outside the FDIC’s jurisdiction.#FDIC

ASV finanšu regulatori tuvojas lielākajam noteikumu atjauninājumam digitālajiem aktīviem pēdējo gadu laikā. Federālā noguldījumu apdrošināšanas korporācija (FDIC) tuvākajās nedēļās prezentēs pirmo prasību paketi, kas izriet no GENIUS Act — pamatlikuma, kas pirmo reizi izveido vienotu nacionālo regulējuma sistēmu stabilajiem koīniem.