U.S. Prepares New Deposit Insurance Rules for Stablecoins and Tokenized Assets

16.06.2025

TheU.S. Federal Deposit Insurance Corporation (FDIC) has begun reviewing new deposit insurance rules covering stablecoins and tokenized assets. This initiative is aimed at increasing confidence in digital financial instruments and providing greater transparency for their holders.With the rapid growth of the stablecoin market, which has totaled more than $160 billion in circulation in the U.S., regulators are looking to minimize risks to consumers and the financial system. According to the FDIC, more than 25% of U.S. financial institutions are already testing or implementing asset-based tokenization solutions, underscoring the relevance of the new rules.Proposed changes could include:

• establishing clear criteria for recognizing digital assets as insurable;
• developing mechanisms to verify the provisions securing stablecoins;
• increasing disclosure requirements for issuers of tokenized assets.

Experts note that these steps will strengthen investor protection and reduce the likelihood of systemic failures due to the instability of individual issuers. A public consultation on the draft rules is scheduled for June 2025, allowing market participants to offer suggestions and comments.The FDIC emphasizes that the new standards will foster innovation while providing a high level of security for users of digital financial products.