Stablecoins and tokenized deposits move from pilots to policy
2025 marks the year stablecoins and tokenized deposits move from pilots to policy in the United States.
With the GENIUS Act introducing the first federal framework for payment stablecoins—setting clear expectations for reserves, audits, and compliance—and the FDIC preparing guidance on tokenized deposits and bank-issued stablecoins, the conversation among U.S. bank leaders has shifted from if to how.
Major institutions are now issuing USD deposit tokens on public Layer 2 networks, driving demand for 24/7 settlement and programmable money in institutional finance. The message across every tier of the banking system is the same: banks need practical, compliant infrastructure—not proofs of concept.
At LedgerLink, our platform was purpose-built for this new era, built around three core pillars:
➡️ RAILS: Enterprise-grade tokenization and settlement infrastructure within permissioned environments, enabling banks to issue and manage payment stablecoins and tokenized deposits.
➡️ LINK: Compliance, orchestration, and integration tools that help banks operationalize regimes like the GENIUS Act and upcoming FDIC tokenized-deposit guidance—with full audit trails, AML/KYC integration, and granular policy controls across wallets, entities, and networks.
➡️ ENGINE: AI-powered liquidity and risk analytics across fiat, stablecoins, and tokenized deposits, giving treasury, risk, and finance teams a unified view of intraday positions, stress scenarios, and funding impacts.
Together, these layers create a robust foundation for operating safely and efficiently across fiat and blockchain networks—turning evolving regulation into bank-grade, governed infrastructure.
Let’s discuss how your institution can take the next step.