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Proof of Reserves

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FDIC Proposal Says Stablecoin Holders Lack Deposit Insurance

2026-06-09 07:55:53

FDIC's proposed stablecoin rule would clarify that payment stablecoins are not insured deposits and would cap exposure to any single financial institution at 40% of reserve assets. The proposal says issuer reserve assets held as corporate deposits may be insured, but stablecoin holders would not receive pass-through FDIC insurance coverage. The public comment period ended on June 9, and feedback included requests for common reporting standards and limits on issuer incentives.

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