💡 The future of currency is programmable! With the passage of the GENIUS Act, regulated stablecoins are quickly becoming the core infrastructure for the global financial system.

🏦 This presents a great opportunity for banks, but also raises the critical question: Should they build their own stablecoin or partner with an existing issuer that has a strong network effect?

🤔 Why is "self-building" a challenge?

Building a proprietary stablecoin is a costly, multi-year endeavor with uncertain outcomes. The barriers are significant: from legal approvals, building liquidity, to distribution and network adoption. Bank-issued or "white-label" stablecoins risk becoming "stranded" assets, struggling to gain user acceptance and often only operating within a closed ecosystem.

🚀 Why should we "collaborate" to leverage the network?

Stablecoins should be viewed as complementary infrastructure, not competitors to banks. With regulations like GENIUS (prohibiting interest payments, prohibiting reserve lending), they operate like a modern payment infrastructure: safe, nearly instant, global, and 24/7/365, and are off the bank's balance sheet.

✨ Benefits of partnering with Circle ($USDC ):

USDC is the largest regulated stablecoin in the world, already possessing scale, network effects, global liquidity, and compliance infrastructure.

When collaborating, banks can:

* ✅ Avoid the "startup problem" (cold-start): Instantly inherit trust, liquidity, and a widely accepted global network from Day 1.

* ✅ Cost & risk savings: No need to incur costs, complexities, and risks of self-operation. Circle will handle issuance, operations, and legal compliance.

* ✅ Focus on new business opportunities:

* Upgrade cross-border payments.

* Become a gateway to the world of tokenized assets.

* Enhance treasury & liquidity management.

* Increase revenue (fees, custody, FX) and retain customers.

🌟 Conclusion:

The GENIUS Act has brought clarity. Partnering with Circle to use USDC is a faster, safer path for banks to compete, innovate, and grow today.

The strategic question is: Will your bank "Lead" or "Follow" in this transformation?

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