FDIC signals growing acceptance of blockchain-based banking as Acting Chair Travis Hill outlines upcoming guidance and a new stablecoin application regime.
Rising Regulatory Clarity for Tokenized Finance
The United States is taking a decisive step toward regulating blockchain-based banking products. The Federal Deposit Insurance Corporation (FDIC) is preparing new guidance for tokenized deposit insurance while also developing a structured application process for stablecoin issuers. These moves signal a maturing regulatory landscape as tokenization and real-world asset (RWA) markets rapidly expand.
US Regulator Plans Framework for Tokenized Deposits
Acting FDIC Chair Travis Hill confirmed that the agency is evaluating how deposit insurance should apply once deposits move from traditional ledgers to blockchain networks. Hill emphasized that the legal definition of a deposit remains unchanged regardless of the technology that records it.
“A deposit is a deposit. Moving a deposit into a blockchain environment shouldn’t alter its legal nature, and it should retain the same protections,” Hill stated during a fintech policy event.
This position aligns with the broader push among U.S. regulators to create technology-neutral rules for blockchain adoption in traditional finance.
The growing demand for tokenized assets adds urgency. By mid-2025, the value of tokenized real-world assets—excluding stablecoins—surpassed $24 billion, driven primarily by private credit products and U.S. Treasurys. Major financial players have already entered the market, demonstrating confidence in tokenization’s long-term utility.
Stablecoin Application Regime Expected by Year-End
Alongside tokenized deposits, the FDIC is crafting a new framework for institutions seeking to issue stablecoins under federal oversight. The agency expects to publish a formal proposal before the end of the year.
Hill noted that FDIC staff are finalizing standards related to capital adequacy, reserve structures, and risk-management obligations for banks pursuing stablecoin operations.
“It’s early to predict how many institutions will apply, but the interest level suggests stablecoins are becoming a core part of modern banking infrastructure,” said a senior regulatory source familiar with the process.
Stablecoins have been a high-growth area this year, with a market capitalization of around $305 billion
The stablecoin market continues to expand at a rapid pace. As of this week, global stablecoin capitalization stands at roughly $305 billion, reflecting strong adoption across banks, payment platforms, and institutional investors.
The FDIC’s ongoing work marks a significant turning point for U.S. crypto-financial regulation. By providing clearer rules for tokenized deposits and creating a dedicated stablecoin application regime, regulators are laying the groundwork for broader adoption of blockchain-powered banking products. These developments highlight growing recognition that tokenization is no longer experimental—it’s becoming part of the core financial system.
Disclaimer
This content is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency trading involves risk and may result in financial loss.
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