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Friday Nov 14 2025 06:00
2 min
The acting chair of the Federal Deposit Insurance Corporation (FDIC) is exploring the potential for guidance regarding tokenized deposit insurance and intends to introduce an application process for stablecoins before the year concludes.
Travis Hill, the acting FDIC Chair, who has previously expressed optimism about tokenization, stated at the Federal Reserve Bank of Philadelphia’s Fintech Conference that the regulator will eventually release guidelines on tokenized deposit insurance, according to reports.
The FDIC safeguards depositors in the event of a bank failure and insures funds held in accounts at FDIC-insured banks. Hill reportedly remarked, "My long-held belief is that a deposit is fundamentally a deposit. Transitioning a deposit from the traditional finance sphere to a blockchain or distributed-ledger environment should not alter its legal standing."
Regulators and Wall Street have demonstrated significant interest in the real-world asset (RWA) tokenization sector throughout the year.
Excluding stablecoins, the total value of tokenized real-world assets exceeded $24 billion in the first half of the year, with private credit and U.S. Treasuries constituting the majority of the market, as per a RedStone report.
BlackRock, the world's largest asset manager, is a prominent participant in this domain, having launched a tokenized money market fund known as BUIDL in 2024.
Concurrently, Hill reportedly announced that the FDIC is also developing a framework for stablecoin issuance and anticipates publishing a proposal for an application process by the end of 2025, as part of its responsibilities in formulating rules under the GENIUS Act, according to Law360.
He acknowledged that it is premature to ascertain the level of institutional interest, but FDIC staff are actively developing standards pertaining to capital requirements, reserve requirements, and risk management for FDIC-regulated stablecoin issuers.
Stablecoins have emerged as a high-growth sector, with banks globally investigating the technology. The market capitalization of stablecoins is approximately $305 billion as of Friday, according to blockchain analytics platform DefiLlama.
Risk Warning: this article represents only the author’s views and is for reference only. It does not constitute investment advice or financial guidance, nor does it represent the stance of the Markets.com platform.When considering shares, indices, forex (foreign exchange) and commodities for trading and price predictions, remember that trading CFDs involves a significant degree of risk and could result in capital loss.Past performance is not indicative of any future results. This information is provided for informative purposes only and should not be construed to be investment advice. Trading cryptocurrency CFDs and spread bets is restricted for all UK retail clients.
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