{"id":2450614,"date":"2025-02-07T14:56:30","date_gmt":"2025-02-07T19:56:30","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=2450614"},"modified":"2025-02-10T21:58:59","modified_gmt":"2025-02-11T02:58:59","slug":"how-us-stablecoin-regulation-could-change-the-game-for-global-payments","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/blockchain\/2025\/how-us-stablecoin-regulation-could-change-the-game-for-global-payments\/","title":{"rendered":"How US Stablecoin Regulation Could Change the Game for Global Payments"},"content":{"rendered":"<p>Businesses hate slow and expensive international payments. But traditionally, firms haven\u2019t had much choice but to accept the status quo of correspondent banks and their corresponding fees.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/2450614#wpcf7-f2699550-o1\" method=\"post\" class=\"wpcf7-form init pymnts-article-paywall-form\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2699550\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" 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Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"2450614\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/blockchain\/2025\/how-us-stablecoin-regulation-could-change-the-game-for-global-payments\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"91\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>Stablecoins, digital assets tied to real-world money like the U.S. dollar, potentially promise to change that \u2014 as evidenced by Stripe\u2019s $1 billion <a href=\"https:\/\/www.pymnts.com\/acquisitions\/2024\/stripe-acquire-bridge-build-stablecoin-infrastructure\/\" target=\"_blank\" rel=\"noopener\">acquisition<\/a> of stablecoin infrastructure platform Bridge, which<a class=\"editor-rtfLink\" href=\"https:\/\/stripe.com\/newsroom\/news\/stripe-completes-bridge-acquisition\" target=\"_blank\" rel=\"noopener\"> closed<\/a> Tuesday (Feb. 4).<\/p>\n<p>\u201cStablecoins aren\u2019t the future \u2014 they\u2019re <em>already<\/em> transforming how people move money today,\u201d said <a href=\"https:\/\/www.linkedin.com\/in\/zacharyabrams\/\" target=\"_blank\" rel=\"noopener\">Zach Abrams<\/a>, co-founder of <a href=\"https:\/\/www.bridge.xyz\/\" target=\"_blank\" rel=\"noopener\">Bridge<\/a>, in the statement.<\/p>\n<p>\u201cWe believe stablecoins will play a critical role in turbocharging cross-border commerce,\u201d Stripe added.<\/p>\n<p>Still, for stablecoins to reach their potential, they will need a proper regulatory framework within which to operate, and it looks like stablecoins could be getting that framework in the not-too-distant future.<\/p>\n<p>On Thursday (Feb. 6), House Financial Services Committee Chairman <a href=\"https:\/\/hill.house.gov\/\" target=\"_blank\" rel=\"noopener\">French Hill<\/a>, R-Ark., and <a href=\"https:\/\/financialservices.house.gov\/119th-congress-subcommittees\/subcommittee-on-digital-assets-financial-technology-and-artificial-intelligence.htm\" target=\"_blank\" rel=\"noopener\">Digital Assets, Financial Technology and Artificial Intelligence Subcommittee<\/a> Chairman <a href=\"https:\/\/steil.house.gov\/\">Bryan Steil<\/a>, R-Wis., introduced a <a class=\"editor-rtfLink\" href=\"https:\/\/files.constantcontact.com\/9f2b5e3d701\/6c1f8aa0-095c-4a22-9982-2f4380d0b531.pdf?rdr=true\" target=\"_blank\" rel=\"noopener\">discussion draft<\/a> for a bill that would establish a framework for issuing and operating dollar-denominated payment stablecoins. The proposal builds on previous legislative efforts while aiming to create clear regulatory guidelines for stablecoin issuers at both the federal and state levels.<\/p><div id=\"pymnt-621311192\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>\u201cBuilding upon our work on digital assets in the last Congress, our discussion draft will provide clarity for payment stablecoins and ensure a federal and state path for stablecoin issuers,\u201d Hill <a class=\"editor-rtfLink\" href=\"https:\/\/financialservices.house.gov\/news\/documentsingle.aspx?DocumentID=409458\" target=\"_blank\" rel=\"noopener\">said<\/a>.<\/p>\n<p>It could ultimately lead to faster, cheaper global transactions that cut out traditional banking headaches.<\/p>\n<p><strong>Read more:<\/strong> <a class=\"editor-rtfLink\" href=\"https:\/\/www.pymnts.com\/cryptocurrency\/2025\/cryptos-green-light-sec-pledges-common-sense-rules\/\" target=\"_blank\" rel=\"noopener\">Crypto\u2019s Green Light? SEC Pledges \u2018Common Sense\u2019 Rules<\/a><\/p>\n<h2><strong>Legislative Backing and Industry Implications<\/strong><\/h2>\n<p>Stablecoin regulation has emerged as a key issue in the broader digital assets space. Lawmakers aim to balance fostering innovation in financial technology with ensuring consumer protection and maintaining the U.S. dollar\u2019s dominance in global markets.<\/p>\n<p>\u201cThe largest financial institutions are eager to explore\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/www.pymnts.com\/blockchain\/2024\/panel-visa-and-fireblocks-make-business-case-for-blockchain-based-payments\/\" target=\"_blank\" rel=\"noopener\">tokenized<\/a> assets,\u201d\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/www.linkedin.com\/in\/nikola-plecas-cfa-9293591a\/\" target=\"_blank\" rel=\"noopener\">Nikola Plecas<\/a>, head of commercialization,\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/corporate.visa.com\/en\" target=\"_blank\" rel=\"noopener\">Visa<\/a> Crypto, told PYMNTS in October, but he added that they require regulatory certainty to do so at scale.<\/p>\n<p>The proposed bill\u00a0comes\u00a0as\u00a0stablecoins are being \u201cincreasingly heralded as the bridge between traditional finance and the cryptocurrency world, have started to\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/www.pymnts.com\/blockchain\/2025\/the-state-of-the-stablecoin-as-a-payment-mechanism\/\" target=\"_blank\" rel=\"noopener\">change that dynamic<\/a>,\u201d as PYMNTS wrote last month. However, regulatory uncertainty has limited their broader integration into mainstream finance. The bill seeks to address these concerns by setting explicit guidelines for issuers, including licensing requirements, operational risk management and reserve backing mandates.<\/p>\n<p>\u201cFrom enhancing transaction efficiency to driving demand for U.S. Treasuries, the potential benefits of strong stablecoin innovation are immense. We need legislation that establishes a safe and pro-growth regulatory framework that will unleash innovation and advance the President\u2019s mission to make America the world capital of crypto,\u201d Sen. <a href=\"https:\/\/www.congress.gov\/member\/bill-hagerty\/H000601\" target=\"_blank\" rel=\"noopener\">Bill Hagerty<\/a>, R-Tenn., said in a <a class=\"editor-rtfLink\" href=\"https:\/\/financialservices.house.gov\/news\/documentsingle.aspx?DocumentID=409458\" target=\"_blank\" rel=\"noopener\">statement<\/a>.<\/p>\n<p>The discussion draft builds upon prior legislative efforts, notably the Clarity for Payment Stablecoins Act, which received bipartisan support in the last Congress. A key difference between the new proposal, dubbed the STABLE Act, and its predecessor lies in the regulatory authority for stablecoin issuers.<\/p>\n<p>Whereas the Clarity for Payment Stablecoins Act of 2023 proposed oversight by the Federal Reserve, the STABLE Act designates the Office of the Comptroller of the Currency (OCC) as the primary supervisor for federally qualified nonbank stablecoin issuers. This shift reflects an evolving regulatory approach that seeks to balance state and federal oversight while promoting financial stability and innovation.<\/p>\n<p><strong>Read more<\/strong>:\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/www.pymnts.com\/cryptocurrency\/2025\/stablecoin-sandwiches-plus-other-crypto-terms-cfos-and-treasurers-should-know\/\" target=\"_blank\" rel=\"noopener\">Stablecoin Sandwiches? Here\u2019s What CFOs Need to Know About Crypto Jargon<\/a><\/p>\n<h2><strong>Next Steps for Cross-Border Payments Innovation <\/strong><\/h2>\n<p>With the discussion draft now public, lawmakers anticipate robust engagement from industry stakeholders, consumer advocacy groups and financial institutions. The Subcommittee on Digital Assets, Financial Technology and Artificial Intelligence is set to review the proposal under the theme \u201cA Golden Age of Digital Assets: Charting a Path Forward.\u201d The input gathered from these discussions will likely shape the final version of the legislation.<\/p>\n<p>The push for stablecoin regulation underscores a broader recognition of digital assets\u2019 role in modern financial ecosystems. As the regulatory landscape takes shape, the collaboration between the House and Senate will be instrumental in determining how stablecoins fit into the evolving framework of U.S. financial regulation.<\/p>\n<p>After all, Stripe and Bridge aren\u2019t the only recent news around stablecoin infrastructure integration. On Wednesday (Feb. 5), <a class=\"editor-rtfLink\" href=\"https:\/\/www.pymnts.com\/cryptocurrency\/2025\/zero-hash-begins-integrating-ripple-usd-stablecoin\/\" target=\"_blank\" rel=\"noopener\">news broke<\/a> that cryptocurrency and stablecoin infrastructure platform\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/zerohash.com\/\" target=\"_blank\" rel=\"noopener\">Zero Hash<\/a> is integrating\u00a0<a class=\"editor-rtfLink\" href=\"https:\/\/ripple.com\/\" target=\"_blank\" rel=\"noopener\">Ripple<\/a>\u2019s RLUSD stablecoin.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 2450614;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Businesses hate slow and expensive international payments. But traditionally, firms haven\u2019t had much choice but to accept the status quo of correspondent banks and their corresponding fees. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2450654,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14874],"tags":[4055,9617,6132,4403,4141,34615,4577,60846,60839,15885,7118,9206,9207,133069,5950,161891,41360,67381,67715],"class_list":["post-2450614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blockchain","tag-b2b","tag-b2b-payments","tag-blockchain","tag-commercial-payments","tag-congress","tag-crypto-regulations","tag-cryptocurrency","tag-decentralized-finance","tag-defi","tag-digital-assets","tag-digital-payments","tag-news","tag-payment-methods","tag-pymnts-news","tag-regulations","tag-stablecoin-regulations","tag-stablecoins","tag-techreg","tag-web3"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How US Stablecoin Regulation Could Change Global Payments<\/title>\n<meta name=\"description\" content=\"A draft bill to establish a framework for stablecoins in the U.S. was announced, and the global payments ecosystem may be reshaped.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/blockchain\/2025\/how-us-stablecoin-regulation-could-change-the-game-for-global-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How US Stablecoin Regulation Could Change the Game for Global Payments | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"Businesses hate slow and expensive international payments. 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