StablecoinNews

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Stablecoins are now of interest to banks, but why?
Now JPMorgan could join the list of major players in the financial world that want to create their own stablecoin . There has already been talk of it for Bank of America and probably – following the approval of US rules on the sector – there will be many more. But why are so many groups interested in this possibility?
There is a question of vile money – even if it is much more complex than it might seem. And there is the signal of the superiority of a technology from which many had kept their distance, especially if institutional, due to continuous attacks by a certain political class that however no longer exists.
The situation is more complex than it might seem at first glance. And for those who want to understand what is really going on, it will probably be useful to analyze the strategic reasons for the arrival of so many big players as stablecoin issuers .

Yes, there is a lot of money at stake.
The most logical, simple and linear explanation is that of earnings. Tether and Circle accumulate frightening revenues, because they manage significant reserves that they then invest in US bonds and other safe and short-term securities .
It’s a little game that will be of interest to big banks too, with a but… banks can actually already do it with customer deposits . And so they certainly don’t need stablecoins to earn from customer deposits .
There must be, by necessity, something else that pushes these subjects to enter a market that for them is a net negative . In fact, the reserves of stablecoins, unlike bank deposits, must be maintained 1:1, they cannot be lent, re-invested, there is no fractional reserve.

Cannibalize or be cannibalized
The point – which many of our readers will find optimistic – is the inevitability of stablecoins , which are appreciated by the public, appreciated by payment managers (settlement is cheap and instantaneous, just to name one of the advantages) and therefore those who do not get on board this train will lose deposits anyway.
And it will lose them to the detriment of other companies in the financial sector that decide to jump into the fray . The decision is therefore always up to the companies that must decide whether to attack themselves, that is, whether or not to attack a technology that is no longer at the top but that others will attack sooner or later.
And this is where we must start to understand what is really happening in the world of deposits, stablecoins and why such important names continue to circulate that may or may not make their entrance into the stable world.

What changes for those who already issue them?
Let's talk about native crypto companies like Tether or Circle . They have a significant advantage, but not in terms of capital (150 billion and 60 respectively are "ridiculous" figures for large banks), but because they are already used in certain contexts.
Hypothesis A: Tether and Circle will continue to be relevant for the entire DeFi and crypto space that will continue to exist and indeed expand. The rest, the world of “official” payments, will be completely occupied by “bank” tokens.
Hypothesis B: Banks will not be credible enough and in addition to their services, they will not find hospitality in the crypto and payment world that already exists.
However, the writer believes that there is still room for companies like Tether or Circle to thrive in the future.
Yes, stablecoins are the future
It is not a question of fandom. It is undeniable, as confirmed by Piero Cipollone of the ECB , that the influence of stablecoins on the world of payments is strong, so much so as to force Europe to respond with a Digital Euro whose destinies are rather uncertain.
The battle will be played out here for the next few months and probably for the next few years. So much so that even some European institutions are moving in this direction. See Santander, Deutsche Bank and SG.

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The filing follows reports of a joint bank-led stablecoin venture aimed at rivaling crypto-native tokens and speeding up global payments.
JPMorgan is exploring new opportunities in the digital asset space, filing a trademark application that has reignited speculation about a potential bank-backed stablecoin.
The application, submitted on June 15, seeks protection for the name “JPMD” and outlines a wide scope of blockchain and digital currency functions, suggesting a broader strategy to expand the bank’s role in crypto payments and asset settlement.
The US Patent and Trademark Office filing lists dozens of services tied to digital currency. These include payment processing, token issuance, currency trading, digital custody, and electronic fund transfers, all powered by blockchain and distributed ledger technology.
While the word “stablecoin” is not explicitly mentioned, the filing’s language hints at a platform that could support one.

Filing Echoes Key Features Needed for a Scalable Stablecoin
The timing of the move has drawn attention. Just weeks earlier, Wall Street Journal reported that JPMorgan, Bank of America and Wells Fargo were exploring the launch of a joint stablecoin venture. Sources told the outlet that the goal was to compete with crypto-native stablecoins and streamline both domestic and cross-border payments.
This latest trademark filing adds weight to those reports. In particular, JPMorgan’s description of providing real-time digital token trading, electronic transfers, and clearing via distributed ledger technology mirrors many of the technical functions required to operate a stablecoin at scale.
Analysts believe the bank could be laying the legal and operational groundwork for such a product.

JPMorgan Moves Ahead As Congress Debates Stablecoin Rules
JPMorgan is no stranger to blockchain. Its Kinexys platform, previously known as Onyx, has already processed more than $1.5 trillion in interbank payments using JPM Coin, a private stablecoin backed 1:1 by fiat currency. JPM Coin is currently limited to institutional clients, but the new filing suggests the bank may be preparing for a broader, possibly retail-facing, rollout.
The move also comes just as lawmakers in Washington begin debating new rules around stablecoins. The US Senate recently voted to advance the GENIUS Act, a bipartisan bill that could establish a regulatory framework for dollar-backed digital tokens. If passed by both chambers of Congress, the legislation would head to President Trump’s desk later this year.
Whether “JPMD” will emerge as a publicly available token or simply expand JPMorgan’s institutional capabilities remains unclear.
But with the financial sector rapidly converging on blockchain infrastructure, the trademark marks yet another step by a Wall Street heavyweight toward a more digital future.

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Merchants have long sought to break free from the dominance of Visa and Mastercard, and stablecoins have emerged as a real alternative.
In an effort to reduce the burden of payment processing costs, major American retailers and travel agencies, including Amazon, Walmart, and Expedia, are considering launching their own stablecoins . The news was reported today, Friday, June 13, by the Wall Street Journal , citing sources familiar with the initiative.
The advantages for traders
This potential change could help merchants save billions of dollars in card payment fees, including interchange fees.
Typically, networks like Visa and Mastercard charge merchants fees ranging from 1% to 3% on each credit card transaction. For large retailers processing billions of transactions, these fees add up to huge annual costs.
Another key advantage is that stablecoin transactions can be settled almost instantly , compared to the typical 1-3 business days required for traditional card payments.
This enables merchants to access funds faster, improve cash flow, and more effectively manage global supply chains, especially when making payments to international suppliers.
According to a source close to the company, Amazon ’s exploration is still in the early stages, with discussions focused on developing an internal stablecoin designed for online purchases. The companies are also considering using external stablecoins, possibly through a merchant consortium led by a single stablecoin issuer.
Banks will compete with current stablecoin issuers
According to a report in May by The Journal , major U.S. banks, including JPMorgan, Bank of America, Citigroup and Wells Fargo, are considering a joint stablecoin initiative to compete with digital asset platforms that are rapidly gaining market share.
As with the banks’ efforts, the future of the retailers’ stablecoin plans hinges on the passage of the Genius Act , which would create a regulatory framework specifically for stablecoins.
The bill has already cleared a key procedural hurdle, but it still needs to be approved by the Senate and the House. The U.S. Senate will hold a final vote on the GENIUS Act on June 17 to establish a regulatory framework for stablecoins .
Merchant trade associations, led by the Merchants Payments Coalition , supported passage of the Genius Act, arguing that a regulatory framework for stablecoins would create competition for Visa and Mastercard while reducing fees.
Walmart has separately lobbied for an amendment to the GENIUS Act that would introduce more competition into the credit card industry.

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As President Donald Trump accelerates efforts to position the U.S. as the “crypto capital of the planet,” the $230 billion stablecoin industry finds itself at a defining moment. With legislative efforts targeting August 2025, the administration’s pro-crypto stance promises regulatory clarity. But deeper questions are emerging: Will Trump’s policy empower stablecoins as a financial breakthrough, or entrench them further as speculative tools?
The Dual Nature of Stablecoins: Disruption or Deception?
Initially marketed as the connective tissue between crypto and traditional finance, stablecoins were envisioned as frictionless, programmable digital dollars. Yet in practice, most stablecoins—especially centralized ones like USDT (Tether) and USDC (Circle)—remain relegated to crypto-native use cases like arbitrage and intra-exchange trading.
Despite their ambition to provide a bridge to the mainstream economy, they continue to reflect the very fragilities they sought to replace: reserve opacity, depegging risks, and centralized counterparty exposure.
The collapse of algorithmic models like TerraUSD (UST) highlighted the systemic vulnerabilities. And even so-called “secure” fiat-backed stablecoins introduce counterparty risk, often repackaged under the banner of innovation.
As one analyst put it: “Most stablecoins don’t eliminate risk—they just rebrand it.”
Trump's Crypto Policy: A Push for Progress or Political Opportunism?
President Trump’s ambition to pass a stablecoin framework by August 2025 may inject long-needed legal certainty into the market. But critics argue that if the legislation is driven by lobbying or partisan incentives, especially amid speculation around Trump-linked ventures, it could create a regulatory regime that prioritizes insiders over innovation.
The Terra disaster of 2022 underscored the consequences of inadequate oversight. Without robust safeguards, stablecoins risk becoming tools for regulatory arbitrage rather than vehicles for financial progress.
The “Banking the Unbanked” Illusion
While many in the industry champion stablecoins as tools for financial inclusion, reality tells a different story. Access often requires technical know-how, exchange accounts, and fiat on-ramps—barriers that exclude the very populations they claim to empower.
In effect, stablecoins today serve the overbanked: traders, institutions, and crypto whales, not the unbanked or underbanked.
If stablecoins are to serve a broader financial purpose, innovation must go beyond tokenized dollars. AI-integrated wallets, programmable finance, and transparent infrastructure are essential to truly inclusive adoption.
The Road Ahead: Innovation Over Speculation
To future-proof the sector, experts suggest a new blueprint:
Mandate real-time, on-chain Proof of Reserves (PoR) instead of delayed or self-reported audits.Incentivize overcollateralized stablecoins that eliminate single points of failure.Support stablecoins that unlock real-world utility—including AI payments, tokenized R&D, and DeFi lending.Promote decentralized, transparent models over centralized, opaque offerings.
Ultimately, the Trump administration’s crypto push is neither inherently visionary nor reckless—it is a litmus test for the industry’s maturity. Will regulators and developers demand a system built on resilience and transparency? Or will the sector relapse into cycles of hype and collapse?
As the crypto world watches closely, one thing is clear: Stablecoins won’t revolutionize finance by simply mimicking fiat. Their future depends on their ability to represent new forms of value.
The post appeared first on CryptosNewss.com
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Big changes are coming to how you pay online!
Tech giants like Apple, Google, X (Twitter), Airbnb, and Uber are planning to use stablecoins — a type of digital dollar — to make payments faster, cheaper, and global.
🧾 What Are Stablecoins?
Stablecoins are digital coins tied to real money like the U.S. dollar. They don’t go up and down like Bitcoin. That makes them great for safe, fast payments.
💥 Why Big Tech Loves Stablecoins
Big Tech companies want to:
🔁 Avoid high fees from Visa and Mastercard🌍 Send money globally without banks⏱️ Make payments faster and easier
👉 Google Cloud already accepts PayPal’s stablecoin, PYUSD.
🤝 Who's Involved?
Google Cloud ✅ Accepts stablecoinsX (Twitter) 🐦 Testing payments through “X Money”Apple 🍏 Exploring crypto options in Apple PayAirbnb 🏠 Wants easier global checkoutUber 🚗 Looking into cheaper cross-border payments
They’re teaming up with companies like Stripe and Worldpay to test stablecoin payments.
🏛️ Why Now?
Crypto-friendly laws under the Trump administration are helping.Blockchain offers better tech than old systems like SWIFT.Big Tech wants to stay ahead in the future of finance.
⚠️ What’s the Risk?
Some stablecoins (like Tether) have trust issues.U.S. lawmakers may block tech companies from making their own coins.Firms want stable, trusted coins like USDC or PYUSD.
💡 The Bottom Line
Your next:
🏖️ Airbnb stay🍏 Apple Pay purchase🐦 X subscription🚗 Uber ride
…could all use stablecoins instead of dollars or credit cards.
💥 The stablecoin revolution is here — and it might save you money every time you pay!
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Tether's U.S. Playbook: Balancing Growth and Regulation

Tether, the undisputed king of stablecoins, is making bold moves to solidify its position in the U.S. market, navigating a complex web of evolving regulations.
Image of Tether's USDT stablecoin with US dollar bills and regulatory symbols
The company's strategic expansion is driven by a combination of factors: the increasing demand for stablecoins, the need to adapt to stricter regulatory frameworks, and the desire to maintain its competitive edge.
Key Strategies
Targeting the U.S. Market: Tether is exploring the launch of a dedicated stablecoin tailored to the specific regulatory requirements of the United States. This demonstrates a clear intent to cater to the lucrative U.S. market while ensuring compliance.Dual-Track Approach: While venturing into the U.S. market, Tether remains committed to its existing USDT, primarily serving emerging economies. This dual-track strategy allows the company to address diverse market needs and regulatory landscapes.Proactive Compliance: Tether is actively engaging with U.S. regulators and taking steps to enhance transparency. This includes pursuing comprehensive audits and collaborating with law enforcement agencies.Strategic Investments: Tether is making strategic investments to expand its ecosystem. For instance, its investment in Rumble, a video-sharing platform, aims to integrate stablecoin payments into broader digital platforms.Technological Innovation: Tether is also focusing on technological advancements to improve the efficiency and utility of its stablecoins. Its integration with Bitcoin's Lightning Network is a prime example, enabling faster and cheaper transactions.
Navigating Regulatory Challenges
Tether's expansion in the U.S. is not without its challenges. The regulatory landscape for stablecoins is rapidly evolving, with ongoing debates about their classification and potential risks. Tether must navigate these complexities to ensure its operations comply with the latest rules.
The Road Ahead
Tether's strategic moves signal a new chapter in its evolution. By embracing compliance, pursuing innovation, and targeting key markets, Tether aims to solidify its dominance in the stablecoin space and play a pivotal role in the future of digital finance.
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