FDIC to Introduce Stablecoin Oversight Framework by 2025

The Federal Deposit Insurance Corporation (FDIC) is advancing plans to establish a regulatory framework for stablecoins and tokenized deposits by 2025. Acting FDIC Chair Travis Hill announced the initiative at the Federal Reserve Bank of Philadelphia's Fintech Conference, emphasizing that blockchain-based deposits must retain the same legal protections as traditional deposits.

The MOVE comes as institutional interest in tokenized assets surges, with pilot programs expanding across major markets. Hill reiterated that deposit insurance coverage should remain unchanged regardless of technological representation, ensuring parity between distributed ledger entries and conventional banking records.

This regulatory clarity could reshape stablecoin issuance under federal supervision, potentially accelerating institutional adoption of blockchain-based financial instruments. The framework aims to provide definitive guidance on how deposit insurance applies to digital representations of bank liabilities.