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ABA: The American Bankers Association
Industry Insight

Tokenized Deposits vs. Stablecoins: A Practical Guide for Banks

  • Brought to you by Stablecore
  • Published January 26, 2026

For U.S. bank executives, the era of regulatory ambiguity regarding digital assets effectively ended in July 2025. The signing of the GENIUS Act established a federal framework for payment stablecoins, transitioning them from speculative instruments into regulated financial infrastructure.

Combined with the Rescission of SAB 121 and updated guidance from the OCC, FDIC, and Federal Reserve, a new reality has emerged. In 2026, the question is no longer if blockchain will integrate with banking. The question is how regional and community banks will protect their deposit franchises against 24/7, programmable, global competitors.

Banks and credit unions — not fintech platforms — are the logical providers of these services. As trusted, regulated institutions, they are best positioned to offer primary digital asset accounts to Americans.

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