$ALEO Gate News reports that the U.S. Federal Deposit Insurance Corporation (FDIC) has introduced new regulations to align stablecoin oversight with the banking model. On April 7, the FDIC approved a proposal to implement key provisions of the GENIUS Act, establishing standards for reserve funds, redemption, capital, and risk management for stablecoin issuers. Under the new rules, stablecoin issuers must hold cash or safe assets such as U.S. Treasury securities and ensure that tokens can be reliably redeemed on a 1:1 basis. This regulation officially incorporates insured banks into the stablecoin ecosystem. Banks will be permitted to hold reserves and provide custodial services, strengthening the connection between stablecoins and traditional financial infrastructure. Additionally, if the funds backing stablecoins meet the legal definition of deposits, they will enjoy the same protections as regular bank deposits. This measure not only boosts investor confidence but also broadens regulatory coverage. The regulation aims to ensure the safety and transparency of stablecoin operations and provides a clearer compliance framework for the digital asset market. Regulatory agencies will accept public comments for 60 days before formal implementation to allow for necessary modifications. This means that stablecoins in the U.S. will no longer be viewed as independent cryptocurrencies but will be subject to strict regulation similar to the banking system. Analysts suggest that this move could alter market confidence and usage patterns for stablecoins. As stablecoins become more closely integrated with banking services, payment and custodial services will become safer and more reliable, potentially attracting more institutional investors. It also provides a clear pathway for the development of compliant stablecoins, promoting the integration of cryptocurrencies with traditional finance. Overall, FDIC’s new regulation marks a new phase in U.S. stablecoin oversight, with future markets relying more on compliant issuers and insured banks to ensure stability and liquidity. This policy change will have a profound impact on the stablecoin ecosystem and the digital payments market.