# FinanceNumérique

The Federal Reserve’s decision is quite logical from the perspective of combating money laundering and financing illegal activities. Stablecoins are increasingly used for payments and international transfers, which naturally draws the attention of regulators.
The positive points:
Reinforces the credibility of the stablecoin sector.
May promote institutional adoption by reassuring banks and investors.
Reduces the risks of fraud, money laundering, and criminal use.
The negative points:
Risk of reducing users’ privacy.
May complicate access to crypto services for some people.
The most decentraliz