# Пов'язані статті щодо Financial Stability

Центр новин HTX надає останні статті та поглиблений аналіз на тему "Financial Stability", що охоплює ринкові тренди, оновлення проєктів, технологічні розробки та регуляторну політику в криптоіндустрії.

‘Threat not diminished’: Why is India’s RBI ramping up crypto warnings?

India's Reserve Bank of India (RBI) has reiterated strong opposition to cryptocurrency legalization, warning a parliamentary committee that virtual digital assets (VDAs) like Bitcoin pose serious risks to financial stability and can facilitate illegal activities. The RBI argues that crypto operates outside the traditional banking system and is difficult to regulate, especially with many service providers based overseas. In contrast, the Institute of Chartered Accountants of India (ICAI) advocates for a comprehensive regulatory framework rather than a ban, proposing to develop accounting and compliance standards for VDAs. This debate occurs as India taxes crypto transactions without granting them legal status, with the 2026 budget proposing stricter compliance rules. The warnings come amid data showing a slowdown in retail crypto trading and a record number of security breaches in the first half of 2026, although total theft losses decreased. Industry experts note the underlying threats have become more sophisticated, contributing to a challenging year for crypto marked by regulatory uncertainty and reduced retail participation.

ambcrypto5 год тому

‘Threat not diminished’: Why is India’s RBI ramping up crypto warnings?

ambcrypto5 год тому

National Trust Charters For Crypto Under Fire—Senator Warren Says It Goes Beyond The Law

Senator Elizabeth Warren is challenging the Office of the Comptroller of the Currency's (OCC) approval of national trust bank charters for crypto companies. She argues that approvals for firms like Ripple, Circle, BitGo, Fidelity, Paxos, and Coinbase appear to go beyond the limited activities permitted by law, potentially violating the National Bank Act. Warren warns that allowing crypto firms to engage in bank-like activities—such as lending and payments—without equivalent regulations could threaten consumer protection and financial system stability. Traditional banks have also objected to the OCC's approach. In defense, OCC Comptroller Jonathan Gould stated that including new entrants promotes competition, modernization, and benefits consumers and the broader industry.

bitcoinist05/19 21:26

National Trust Charters For Crypto Under Fire—Senator Warren Says It Goes Beyond The Law

bitcoinist05/19 21:26

Meta’s 2026 Stablecoin Push Faces Senator Warren Scrutiny Over Financial Stability Risks

Democratic Senator Elizabeth Warren has questioned Meta CEO Mark Zuckerberg over the company's plans to integrate third-party stablecoins, warning of serious risks to financial stability, competition, privacy, and payments integrity. Warren's letter, citing reports of a "small and focused" trial aiming for a potential second-half 2026 launch, demands transparency from Meta by May 20. She highlighted Meta's failed 2019 Libra stablecoin project and the company's past product safety struggles, arguing any stablecoin integration on its platforms requires skepticism and rigorous oversight. This inquiry follows Warren's previous warnings about legislative loopholes that could allow Big Tech firms like Meta to re-enter the payments space with minimal regulation.

bitcoinist05/09 14:02

Meta’s 2026 Stablecoin Push Faces Senator Warren Scrutiny Over Financial Stability Risks

bitcoinist05/09 14:02

Lagarde Says ECB Needs Tokenised Money, Not Crypto Stablecoins

ECB President Christine Lagarde argues Europe should not respond to dominant US dollar stablecoins by creating its own euro-denominated versions. Instead, she advocates for building tokenised financial infrastructure based on central bank money. Lagarde acknowledges stablecoins' growth and role in crypto settlement and cross-border payments, but identifies key risks: financial stability vulnerabilities, as shown by USDC's depegging during the Silicon Valley Bank collapse, and potential disruption to monetary policy transmission in the euro area. She contends that promoting private euro stablecoins under MiCAR would offer limited benefits for the euro's international role while introducing material trade-offs. A more effective path to strengthening the euro involves deeper capital market integration and developing a safe asset base. Lagarde is constructive on the transformative potential of DLT-based market infrastructure for Europe's fragmented financial system. The ECB's strategy focuses on public solutions like the Pontes project for wholesale settlement in central bank money and the Appia roadmap for an interoperable tokenised ecosystem by 2028. The goal is to harness innovation's benefits without replicating fragile instruments from elsewhere.

bitcoinist05/08 21:30

Lagarde Says ECB Needs Tokenised Money, Not Crypto Stablecoins

bitcoinist05/08 21:30

Stablecoins Don’t Meet Core Requirements Of Money, BIS Says

The Bank for International Settlements (BIS) General Manager, Pablo Hernández de Cos, stated that existing stablecoins fail to meet the core requirements of money, specifically "singleness" and "interoperability." Singleness refers to the need for different forms of money to be interchangeable at par value, which is ensured by central banks in traditional finance but not in decentralized stablecoins. Interoperability means seamless cross-platform transactions, which stablecoins currently lack due to fragmentation across multiple blockchains. These shortcomings limit stablecoins' network effects and widespread acceptance, keeping them a "niche" payment instrument. However, de Cos acknowledged their potential to improve cross-border payments, though he also warned of risks to financial stability and monetary policy. Despite a bearish crypto market, the stablecoin market cap has reached a new all-time high of over $320 billion.

bitcoinist04/21 01:31

Stablecoins Don’t Meet Core Requirements Of Money, BIS Says

bitcoinist04/21 01:31

IMF Flags Financial Stability Risks Amid Growing Tokenization Boom

The IMF acknowledges that tokenization can increase transparency and reduce friction in finance but also warns it poses significant risks to financial stability. While atomic settlement and automation may reduce some traditional risks, they introduce new ones, making the overall impact uncertain. The tokenized asset market, currently valued at over $27.6 billion (excluding stablecoins), is projected to reach between $2 trillion and $16 trillion by 2030. The IMF report highlights both positive effects, such as faster cross-border payments and greater financial inclusion, and negative consequences, including increased capital flow volatility and threats to monetary sovereignty. It cautions that risks are shifting from banks to shared ledgers and smart contracts. Major institutions like BlackRock and the Intercontinental Exchange are advancing in tokenization, but the IMF warns that without legal clarity on ownership and settlement, these markets risk becoming fragmented and insignificant.

TheNewsCrypto04/03 10:38

IMF Flags Financial Stability Risks Amid Growing Tokenization Boom

TheNewsCrypto04/03 10:38

ECB flags stablecoin competition as digital euro push intensifies

The European Central Bank (ECB) has expressed growing concern over competition from stablecoins and is positioning the digital euro as a strategic tool to preserve the role of banks in Europe's payment system. In a recent blog post, ECB officials emphasized that the digital euro should be seen as an opportunity rather than a threat to commercial banks, which will remain central to its distribution and customer relationships. The digital euro is designed to complement existing banking models, strengthen Europe's payment infrastructure, and reduce reliance on external providers. It will feature capabilities like conditional payments and pan-European usability to help banks compete with non-bank payment providers. The ECB highlighted stablecoins as a growing competitive threat, noting that without adaptation, banks risk losing fees, customer data, and deposits to digital alternatives. This reflects a broader global shift, with regulators in the U.S. and elsewhere debating how to integrate stablecoins into the financial system. The ECB's push for a digital euro aligns with these efforts, aiming to provide a public alternative that ensures financial stability and Europe’s strategic autonomy in payments.

ambcrypto03/27 17:02

ECB flags stablecoin competition as digital euro push intensifies

ambcrypto03/27 17:02

ECB study warns stablecoins could shrink bank deposits and alter monetary policy transmission

A new European Central Bank (ECB) working paper warns that widespread adoption of stablecoins could significantly reduce bank deposits, constrain lending, and complicate the transmission of monetary policy in the euro area. The study identifies a "deposit substitution effect," where stablecoins compete with retail bank deposits, potentially forcing banks to rely more on volatile wholesale funding. This shift could weaken banks' lending capacity and make monetary policy less predictable, especially if U.S. dollar-denominated stablecoins gain traction, indirectly exposing the euro area to foreign monetary shocks. While current impacts are limited due to stablecoins' niche use in crypto trading, the paper cautions that large-scale adoption could structurally alter the traditional banking system.

ambcrypto03/03 17:57

ECB study warns stablecoins could shrink bank deposits and alter monetary policy transmission

ambcrypto03/03 17:57

Elizabeth Warren Urges Fed and Treasury to Reject Crypto Bailouts

Senator Elizabeth Warren has urged the Federal Reserve and the Treasury Department to avoid using taxpayer funds to bail out cryptocurrency firms and billionaires, warning that such actions would be highly unpopular. In a letter addressed to Treasury Secretary Scott Bessent and Fed Chair Jerome Powell, Warren argued that government intervention—such as direct Bitcoin purchases or liquidity support—would primarily benefit wealthy crypto investors. She criticized a recent response from Bessent as evasive when questioned about potential crypto bailouts. Warren's stance highlights ongoing political and regulatory debates around cryptocurrency, emphasizing that digital assets lack clear federal oversight and should not receive public rescue packages akin to traditional financial bailouts. The letter also noted concerns that bailouts could indirectly assist entities like World Liberty Financial, linked to the Trump family.

TheNewsCrypto02/19 08:57

Elizabeth Warren Urges Fed and Treasury to Reject Crypto Bailouts

TheNewsCrypto02/19 08:57

IMF Warns Dollar-Linked Stablecoins Could Undermine Central Bank Control

The International Monetary Fund (IMF) warns that the widespread adoption of dollar-linked stablecoins could undermine central banks' control over monetary policy. In a recent report, the IMF states that most major stablecoins are not truly independent and are essentially extensions of the U.S. dollar system, as they are backed by short-term dollar instruments like U.S. Treasury bills. This could lead to the creation of a "private dollar warehouse" system that operates outside the traditional banking sector. The growth of stablecoins, which now represent hundreds of billions of dollars, may complicate central banks' ability to manage money supply and conduct monetary policy. In countries with weak currencies, stablecoins could even replace local money. The IMF also highlights that cross-border stablecoin transactions pose risks to capital controls and foreign exchange stability, as they often operate without deposit insurance or a lender of last resort. The report calls for international regulatory cooperation to establish common rules and closer supervision to ensure financial stability.

TheNewsCrypto02/16 11:09

IMF Warns Dollar-Linked Stablecoins Could Undermine Central Bank Control

TheNewsCrypto02/16 11:09

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