Regulation· ★★★★· neutral·

OCC Eases Stablecoin Reserve Rules as Banks Warn of Deposit Flight

  • —Immediately available reserves cut from 10% to 5% of backing
  • —Mandatory 0.5% insured-deposit allocation, capped at $500M, removed
  • —Yield ban stays; third-party rewards judged case by case
  • —Rule takes effect Jan. 18, 2027, alongside the GENIUS Act
Why it matters: The rule decides whether stablecoin backing stays in banks or shifts to securities, shaping credit and deposit flows.
#USDT#USDC
Source: CryptoSlate
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