Global banking regulators are preparing to soften their stance on cryptocurrencies as the Basel Committee on Banking Supervision (BCBS) considers revisions to its 2022 framework for banks’ exposure to digital assets, according to reports.
Banks Could See Softer Crypto Rules in 2025
The Basel Committee, which defines global banking standards, is reportedly reviewing its earlier guidance that placed Bitcoin, Ether and stablecoins under the same high-risk capital requirements. The update, expected next year, aims to reflect the rapid institutionalization of stablecoins and their growing use in payments systems.
Sources familiar with the discussions told Bloomberg that the committee has begun reassessing whether its previous rules were “too conservative,” especially as stablecoins gain regulatory clarity under new laws such as the U.S. GENIUS Act.
Under the current Basel framework, banks must hold one dollar in capital for every dollar of crypto exposure, a rule that effectively discouraged most institutions from participating in the digital asset market.
Stablecoins Drive Policy Reassessment
The surge in regulated, asset-backed stablecoins — many now fully collateralized by cash and cash equivalents — is changing how policymakers view risk. Critics argue that grouping these instruments with volatile cryptocurrencies is outdated.
“Treating stablecoins like Bitcoin ignores their fundamentally different risk profiles,” said a European banking analyst. “They are designed for payment stability, not speculation.”
The European Union’s Markets in Crypto-Assets (MiCA) framework already allows stablecoins to receive capital treatment equal to their underlying reserves, creating a benchmark for other jurisdictions.
Global Impact on Banks and Crypto Adoption
The Basel Committee’s revision could mark a turning point for institutional crypto adoption. A more balanced capital framework would enable banks to offer custody, payments, and tokenized asset services without facing punitive risk charges.
Chris Perkins, president of CoinFund, earlier warned that existing Basel capital rules have acted as a “chokepoint,” discouraging traditional banks from engaging in the sector. The upcoming review could address these concerns and help integrate blockchain finance into the mainstream banking system.
If adopted, the updated Basel standards would reflect a growing acknowledgment among regulators that crypto assets — especially stablecoins — are becoming integral to modern finance.
As one regulatory expert noted, “This shift isn’t about easing rules; it’s about aligning them with financial reality.”
The review is expected to conclude in mid-2026, potentially ushering in a new phase of responsible bank participation in digital assets.
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.