The Stablecoin Strategy - Issue #579 Thursday, October 23rd 2025 08:25AM
The Focus
Stablecoins are no longer a digital experiment — they’ve become a contest over how modern finance will be built and governed.
When nine European banks agreed to create a euro-denominated stablecoin, the move was presented as a technical milestone. It was, in fact, a strategic one. By developing a MiCAR-compliant token, Europe is trying to reduce its dependence on the dollar and to keep financial value circulating within its own system.
Across the Atlantic, the story runs differently. The GENIUS Act gave U.S. banks a legal framework to issue stablecoins while keeping them under federal supervision. That decision reflects a different ambition — not to counter digital currencies, but to absorb them into the existing order.
In both cases, the message is the same: control the infrastructure, and you control the money. The race to issue stablecoins isn’t about speed or convenience. It’s about who defines the standards that global payments will rely on for the next decade.
Yet, a new current is forming beneath this competition. Some strategists argue that stablecoins may not be the endgame at all. The tokenization of deposits — digital claims that remain inside regulated banks — could become the model that finally links blockchain efficiency with monetary stability.
The implications are wide. If tokenized deposits take hold, the balance between banks, central banks, and fintech firms could shift again. Payments would become programmable, yet traceable; digital, yet anchored in regulation.
The deeper question now isn’t whether stablecoins succeed, but what form of digital money society will trust. The answer will define not just transactions — but the architecture of global finance itself.
Read the news:
Why EU and US Banks Are Racing to Issue Stablecoins
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