How tokenized deposits challenge traditional banking

Money20/20 USA: Circle and ClearBank partner for stablecoin access By Evy Williams in Las Vegas Circle and ClearBank have announced their strategic framework at Money 20/20 to expand stablecoin access in Europe. The collaboration will focus on expanding access to USDC and EURC, Circle’s MiCA-compliant, fully reserved stablecoins, through Circle Mint in Europe. “Circle is redefining how money moves globally, and this collaboration will bring together our strengths in regulated banking infrastructure with their leadership in digital currency technology,” said Mark Fairless, chief executive officer at ClearBank. Read more here: https://lnkd.in/epf2MmZE

Fintechs and stablecoin issuers could move money without banks in the middle, unlocking faster, safer, programmable flows of capital. The Fed just proposed “skinny master accounts” that would give non-banks limited direct access to Fedwire. If approved, this could redefine how fintechs connect to the U.S. financial core, and mark the first real step toward truly programmable money. #Fintech #Stablecoins #Payments #Innovation #DeFi #Fed

“The world has woken up to stablecoins… but it hasn’t woken up at all.” Luca Prosperi argues that while the world has woken up to stablecoins, it hasn’t truly woken up at all. Most are only beginning to explore the narrow use cases of digital money, but he believes stablecoins will eventually swallow the entire bank deposit framework. It’s the start of a long and deep wave of innovation that depends on high-quality infrastructure, the kind M0 is building. Catch the full conversation on Money Code with Chuk Okpalugo and Raj Parekh and subscribe here: https://lnkd.in/dMMPvv4t Powered by BVNK.

As the world of payments continues to evolve, understanding how crypto fits into regulated financial systems is no longer optional - it’s essential. This session explores what regulators expect, what risks businesses face, and how crypto can responsibly function within modern payment frameworks. It’s always inspiring to be part of initiatives led by The Soltesz Institute which continues to set the global standard for education in payments and banking.

For banks, fintechs, and exchanges — cross-border shouldn’t mean cross-your-fingers. Traditional rails slow money down with intermediaries, delays, and compliance friction. Freebnk Stablecoin API was built to remove all that. It’s a plug-and-play infrastructure for instant, programmable payments — secured by enterprise-grade compliance and transparency. ✅ Instant settlements ✅ Fiat ↔ stablecoin conversions ✅ Real-time visibility ✅ Global reach — no local entity needed Built for institutions that move fast. Built for motion. ⚡

Crypto and fintech groups are challenging big banks on open banking barriers—arguing for fairer access and innovation. Could improved data sharing finally level the playing field? UK crypto traders: shifting rules could impact how you access and report transactions. Stay prepared 👉 taxanon.co.uk Do you trust banks to play fair with your data?

The Great Financial Reversal: Why Banks Are Dying and Neobanks Are Rising Traditional banking isn’t collapsing because of crises, it’s collapsing because of irrelevance. Local neobanks built around stablecoins and crypto-native infrastructure are flipping the model: - Spend directly from your on-chain balance - Skip IBANs, middlemen, and outdated rails - Stay fully bankless, from saving to spending - Stay connected to the real world via local integrations From bank-wrappers to consumer owners, soon the major question will be 'Why ever go back to a bank?' #DeFi #Neobank #Stablecoins

As we discussed in “The Stablecoin Development Forum” panel discussion, Stablecoins are having their moment. My key takeaways: 🇺🇸US regulation was “the tipping point” 🏦 Global banks are ready and actively adding stablecoin infrastructure 💲If stablecoins are not part of your roadmap you’re already behind 🌐Speeding up financial treasury and XB transactions are clear use case winners, but… 📱User experience has a long way to go Thank you FinTech LIVE for running such a well organized and thoughtfully moderated session by Tim Curtis. And thank you John Hallahan, Venkataramani Prakash, and John McNaught for sharing your perspectives and insights.

Day 4 — Stablecoins Quietly Reshaping Banking Stocks The Stablecoin Bill in the US didn’t just legalize tokens — it gave birth to a new banking model. Payment rails like PayPal, Circle, and fintech banks are now competing to issue digital dollars. Banking stocks that adapt will moon; those that resist will fade. Stablecoins are the new checking accounts — except global, programmable, and instant.

💰 Digital money is going mainstream. 💬 As Kunal Jhanji notes in BCG’s 𝗚𝗹𝗼𝗯𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗥𝗲𝗽𝗼𝗿𝘁 𝟮𝟬𝟮𝟱, the question for banks isn’t whether to participate — but how: through custody, FX, transaction banking, or selective issuance. ⚙️ With 𝘀𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻𝘀 𝗻𝗼𝘄 𝗮𝗿𝗼𝘂𝗻𝗱 $𝟮𝟳𝟬𝗕 and programmable money on the rise, institutions have a short window to define their role before the new payments architecture solidifies. 📄 Read the full report: https://lnkd.in/d9gEkzak #BCGInsights #GlobalPayments2025 #Stablecoins #DigitalCurrency #Fintech #PaymentsFuture