This post was originally published on Fin Extra
How are regulatory frameworks in the US, UK, and Europe evolving to support, or hinder, the adoption of stablecoins by traditional banks? What are the strategic opportunities for banks in these regions to use stablecoins in cross-border payments, and how do they differ across jurisdictions? How are central banks and regulators in the US, UK, and Europe responding to the rise of privately issued stablecoins, and what does this mean for future collaboration or competition? What lessons can tier two and tier three banks in the UK, US, and Europe learn from early adopters of stablecoins, and how can they overcome barriers to entry? How can banks across these regions collaborate with fintechs and infrastructure providers to build trust and interoperability in stablecoin ecosystems?
Stablecoins are gaining traction globally, but their adoption is heavily influenced by regional regulatory frameworks. In the US, the GENIUS Act signals a growing interest in formalising digital asset oversight, while the UK’s Financial Conduct Authority (FCA) continues to refine its stance on crypto-backed instruments. Meanwhile, the EU’s Markets in Crypto-Assets (MiCA) regulation is setting a precedent for comprehensive digital asset governance. These differing approaches are shaping bank strategies and what harmonisation, or
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