Angelica Saldana

$TEL Banks Do Not Have to Lose Deposits to Stablecoins. Telcoin Digital Asset Bank Has a Solution.

The Clarity Act is facing pressure from 78 U.S. banking associations over its stablecoin provisions.

In a joint letter to Senate Majority Leader John Thune and Senate Minority Leader Charles Schumer, the banking groups warned that ambiguities surrounding stablecoin interest, yield, and rewards could allow stablecoin arrangements to function as substitutes for bank deposits.

Their concern is that funds could move away from community banks, reducing their capacity to support lending in the communities they serve.

Telcoin Digital Asset Bank offers another path.

Patrick Gerhart, President of Telcoin Digital Asset Bank:

“Right now, bankers are watching customers move fiat from their checking and savings accounts to platforms like Coinbase... Why let those deposits leave? Keep them in-house, place them in reserve accounts, earn interest on that, and keep those funds within your institution...”

He also explained how Telcoin Digital Asset Bank helps financial institutions enter the stablecoin economy:

“We can establish your stablecoin... utilize our stablecoin, bring it into your customer base, establish those connections without having to start everything brand new.”

Banks do not have to lose deposits and customer relationships to outside platforms.

Telcoin Digital Asset Bank provides regulated infrastructure for financial institutions to participate in the stablecoin economy while keeping those funds in-house.

https://x.com/angelofyhvh/status/2077382075972268102?s=46&t=Kxud7JVUlu_OLFIOPp14PA

$TEL SWIFT Advances. Telcoin Continues to Execute.

SWIFT's blockchain ledger is ready for use, with 17 banks set to tokenized cross-border payments on trusted global infrastructure.

It doesn't change what Telcoin Digital Asset Bank is building.

Patrick Gerhart, President of Telcoin Digital Asset Bank:

“Right now, bankers are watching customers move fiat from their checking and savings accounts to platforms like Coinbase... Why let those deposits leave? Keep them in-house, place them in reserve accounts, earn interest on that, and keep those funds within your institution...”

He also explained how Telcoin Digital Asset Bank helps financial institutions enter the stablecoin economy:

“We can establish your stablecoin... utilize our stablecoin, bring it into your customer base, establish those connections without having to start everything brand new."

Notably, BNY, Citi, HSBC, and Wells Fargo are the banks participating in SWIFT's initiative.

Today, BNY, Citi, HSBC, and Wells Fargo U.S. customers can also connect their bank accounts to open a personal eUSD Digital Cash account through Telcoin Digital Asset Bank.

Listen to Patrick Gerhart, President of Telcoin Digital Asset Bank interview

https://x.com/angelofyhvh/status/2075372390687576077?s=46&t=Kxud7JVUlu_OLFIOPp14PA

$TEL SWIFT Advances. Telcoin Continues to Execute.

SWIFT's blockchain ledger is ready for use, with 17 banks set to tokenized cross-border payments on trusted global infrastructure.

It doesn't change what Telcoin Digital Asset Bank is building.

Patrick Gerhart, President of Telcoin Digital Asset Bank:

“Right now, bankers are watching customers move fiat from their checking and savings accounts to platforms like Coinbase... Why let those deposits leave? Keep them in-house, place them in reserve accounts, earn interest on that, and keep those funds within your institution...”

He also explained how Telcoin Digital Asset Bank helps financial institutions enter the stablecoin economy:

“We can establish your stablecoin... utilize our stablecoin, bring it into your customer base, establish those connections without having to start everything brand new."

Notably, Wells Fargo was one of the banks participating in SWIFT's initiative.

Today, Wells Fargo customers can also connect their Wells Fargo accounts to open a personal eUSD Digital Cash account through Telcoin Digital Asset Bank.

Listen to the interview of Patrick Gerhart, President of Telcoin Digital Asset Bank https://x.com/angelofyhvh/status/2075317424488874193?s=46&t=Kxud7JVUlu_OLFIOPp14PA

https://bank.telco.in/

$TEL The TEL Token Upgrade has NOT launched or been voted on. Any site, link, DM, or announcement claiming otherwise is a scam unless shared by verified Telcoin Association channels. We will never DM first or ask for your seed phrase/private key.

Updates: tel3.telcoin.network

$TEL Connect Your Bank to Your Telcoin Digital Asset eUSD Bank Account

Here’s every U.S. bank that you can easily connect:

• Chase
• Huntington
• Chime
• Bank of America
• PNC
• Lake Michigan Credit Union
• Fifth Third Bank
• Capital One
• Navy Federal Credit Union
• Citizens
• Wells Fargo
• Citibank
• US Bank
• USAA
• American Express
• TD
• Regions
• Charles Schwab

Bank Name: Battle Creek State Bank

Funds sent to this account automatically mint eUSD in your Telcoin Wallet.

Debits to this account automatically burn eUSD from your Telcoin Wallet.

Sign up now to get an eUSD Account through Telcoin Digital Asset Bank directly tied to your USD bank account https://bank.telco.in/

$TEL My Telcoin eUSD Account is Now Live & Directly Linked to My Bank

My Telcoin Digital Asset Bank eUSD Account is directly tied to my USD bank account.

Beneficiary: Angelica Saldana

Bank Name: Battle Creek State Bank

Funds sent to this account automatically mint eUSD in my Telcoin Wallet.

Debits to this account automatically burn eUSD from my Telcoin Wallet.

https://bank.telco.in/

$TEL Telcoin Digital Asset Bank introduces eUSD bank accounts.

The first US bank accounts directly tied to on-chain dollars! 🏦📲

I applied to open a US bank account directly tied to eUSD Digital Cash balance!

The Telcoin Digital Asset bank approved it!

Apply now for your personal bank accounts through Telcoin Digital Asset Bank https://bank.telco.in/

LG $TEL Fam!

Thank you, World Summit on the Information, for the first day of the forum 🇺🇳

It was a pleasure to participate in the discussions, engage with the sessions, and continue conversations beyond the forum.

I look forward to collaborating with the ITU on advancing opportunities for Women and Girls.

$TEL In the Telcoin Association Platform & Treasury Council meeting, Grant addressed this topic:

Why does the proposal exist at all?

Grant discussed three key points:

1. What the upgrade is and why it should happen now.

2. The upgrade window and recovery schedule.

3. The community feedback shared on the forum.

Please check the video below for the full details and answers. (1:00:00)

https://www.youtube.com/live/QJcR-D24f_M?is=iEQu3Ia7uIopdBjE

https://forum.telcoin.org/t/telip-the-tel-token-upgrade/847

https://tel3.telcoin.network/

$TEL This question was asked about the $TEL token upgrade.

If I hold Tel on uphold and kraken with they handle the upgrades for me ? Angelica just making sure.

Yes, Phase 1 of $TEL Primary Upgrade Window (12 months)

A twelve-month primary window opens upon deployment of the upgrade contracts. During this period, all holders, including individual users, exchanges liquidity providers, and institutional partners, upgrade one for one.

Communications begin well in advance and run continuously across official channels, exchanges,
wallets, community channels, and ecosystem partners. The objective is maximum participation during this window.

High-Level Phases

Ecosystem Coordination

Notify and support exchanges wallet providers, data services, and community members ahead of and throughout the upgrade.

https://forum.telcoin.org/t/telip-the-tel-token-upgrade/847

$TEL Frequently Asked Questions

Find clear guidance on $TEL upgrade, timelines, wallet behavior, and security best practices.

What is TEL3?

Do I need to upgrade TEL?

Is the TEL ticker changing?

https://tel3.telcoin.network/

https://forum.telcoin.org/t/telip-the-tel-token-upgrade/847

https://www.youtube.com/live/QJcR-D24f_M?is=QtjOsnJxxhEiKrzv

$TEL Hi everyone,

I’ll be hosting the Telcoin Association Platform & Treasury Council meeting this Thursday at 4:00 PM EDT.

I personally invite you all to join. See you there!

Meeting Reminder: Platform & Treasury Council Meeting

Agenda:
1. Introduction & Council Overview
2. Recap of Last Meeting
3. Telcoin Network: Updates
4. Web Unification Project
5. TELIP: Telcoin Token Upgrade
6. Open Q&A + Answering Chat Questions

Join the discussion here on X at @TelcoinTAO or YouTube at youtube.com/@TelcoinTAO

Next Meeting:
TELx Council: July 8th - 3PM EDT / 7PM UTC
TAN Council: July 9th - 5PM EDT / 9PM UTC

https://www.youtube.com/live/QJcR-D24f_M?is=_E8OrDGb19gjFTPH

$TEL David Palmer, co-founder of Vodafone’s Pairpoint Platform, wrote about Telcoin on his LinkedIn

https://www.linkedin.com/posts/david-palmer-677a421b6_ai-blockchain-stablecoins-share-7477768059487760384-41B6/?utm_source=social_share_send&utm_medium=ios_app&rcm=ACoAADV7PeoBa5_yfVF-uZxJBy1qZpGN-adhpD0&utm_campaign=copy_link

$TEL TELIP: The TEL Token Upgrade

Activating TEL as the Native Token of Telcoin Network

This TELIP proposes the development, third-party security assessment, and deployment of the native TEL token contract and its supporting upgrade contracts across Ethereum, Polygon, Base, and Telcoin Network, in coordination with Telcoin Network mainnet launch.

In exchange for approving this upgrade, the ecosystem receives the following:

1. A standards-compliant, 18-decimal TEL token that every exchange, decentralized exchange, lending market, aggregator, bridge, and institutional custodian in the EVM ecosystem can list and integrate by default, with no bespoke engineering.

2. TEL activated as the native gas token of Telcoin Network at genesis, creating recurring, structural, on-chain demand for TEL for the first time.

3. A single, unified contract address across all supported chains, with mint and burn capability and clean cross-chain liquidity, using Telcoin Network as the source of truth for total supply.

4. A direct community voice in the upgrade, through ratification of the downstream constitutional amendment that records the upgraded TEL as the canonical TEL going forward.

Conclusion

TEL was built for a network that did not exist yet. That network is now here, and this upgrade is TEL taking its native form: the standards-compliant, finely-divisible, cleanly-bridgeable token that powers its own Layer 1 and that the entire market can finally integrate without exception.

https://forum.telcoin.org/t/telip-the-tel-token-upgrade/847/4

$TEL The IMF stated:

"Our Analyze…explains tokenization and why programmable money is useful."

Separately, an IMF working paper, Can Retail Central Bank Digital Currencies Improve the Delivery of Social Safety Nets?, recently featured Telcoin.

https://www.imf.org/-/media/files/publications/wp/2025/english/wpiea2025211-source-pdf.pdf

https://x.com/imfnews/status/2071421996127093043?s=46&t=Kxud7JVUlu_OLFIOPp14PA

$TEL Telcoin is Banking the Internet of Money — Here’s eUSD

eUSD Digital Cash is available to anyone with an internet connection.

eUSD is the digital equivalent of handing a merchant a paper dollar bill.

eUSD is fully backed by highly liquid US dollar cash and cash-equivalent reserves.

Telcoin Digital Asset Bank is built as an on-chain financial institution, with eUSD as its native medium of exchange.

Telcoin Digital Asset Bank issues eUSD — trusted, bank-issued stablecoins directly tied to traditional banking systems.

That’s why Telcoin is Banking the Internet of Money.

https://bank.telco.in/eUSD

$TEL MiCA Deadline in the European Union: July 1, 2026 — Non-Compliant Stablecoins

In the European Union, non-compliant euro stablecoins will face significant restrictions or delistings as the MiCA transition period concludes.

Tether’s USDT has been delisted from leading regulated venues across the EU.

Only fully authorized EMTs will meet regulatory standards going forward.

Telcoin maintains a strong compliance posture. Telcoin’s eEUR is coming soon.

Telcoin EU/EAA Digital Cash

Telcoin is preparing to release eEUR and other Digital Cash stablecoins for the European Economic Area under an e-Money Institution in compliance with European Union MiCA regulations.

https://www.financemagnates.com/cryptocurrency/regulation/europes-crypto-market-after-july-1-who-stays-who-leaves-and-what-changes-under-mica/

https://www.telco.in/en/digital-cash

$TEL The Future Morgan Stanley Sees? Telcoin Is Already Executing It.

With the launch of on-chain bank accounts, Telcoin’s Digital Asset Bank is now the only blockchain bank seamlessly connecting users to DeFi under a regulated framework.

Why does this matter?

Morgan Stanley isn’t bullish on crypto replacing banks.

They’re bullish on digital rails replacing legacy rails.

One sentence from their report stood out:

“Tokenized money (including stablecoins and tokenized deposits) forming the foundational layer for broader activity.”

Telcoin Digital Asset Bank is not replacing deposits, but making them programmable, on-chain, and instantly transferable 24/7.

This is the future Morgan Stanley is describing. Telcoin is already executing it.

eUSD DIGITAL CASH
Programmable by design

Telcoin Digital Asset Bank is built as an on-chain financial institution, with eUSD as its native medium of exchange.

This architecture supports programmable, smart-contract-based financial products and services that execute and settle in real time within a regulated framework.

https://bank.telco.in/eUSD

https://www.prnewswire.co.uk/news-releases/telcoin-launches-first-regulated-on-chain-bank-accounts-in-the-us-302807974.html

$BTC I'm watching the $58,000 BTC level closely.

If BTC breaks below that level, it could signal increased downside risk across the broader crypto market.

Not financial advice.

$TEL Trust charters and depository bank charters are not the same.

Ripple and Circle received conditional OCC National Trust Bank approvals. These are primarily focused on custody, fiduciary services, and stablecoin reserve management. These do not authorize deposit-taking or full commercial banking functions.

Telcoin operates under Nebraska’s Digital Asset Depository Institution (DADI) framework — a specialized banking charter designed for digital assets, enabling deposit activities, payments infrastructure, and regulated stablecoin issuance under state banking law.

Separately, Nebraska statute §8-3005 expressly authorizes a DADI to apply for membership in the Federal Reserve System.

“Today brings the first true crypto bank to the US market,” said Paul Neuner, Founder and CEO of Telcoin. “With eUSD bank accounts on Telcoin Wallet, we're proving that payments, finance, and banking can happen natively on-chain, rather than simply creating another place to hold digital assets. We believe the future of finance will be built on infrastructure that connects banking and blockchain directly, and this is the starting point for that future.”

https://www.prnewswire.co.uk/news-releases/telcoin-launches-first-regulated-on-chain-bank-accounts-in-the-us-302807974.html

https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-125b.pdf

https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-125a.pdf

https://nebraskalegislature.gov/laws/statutes.php?statute=8-3005