Why regulators should treat stablecoins like banks

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Why regulators should treat stablecoins like banks
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If this type of cryptocurrency continues to grow, governments will need to move faster to contain the risks. Rules are needed in areas such as transparency, liquidity and capital

Governments have an obligation to fight the deception, tax evasion and money laundering that plagues the crypto world. Police seizures of bitcoin suggest that they are becoming more zealous. The harder issue they must grapple with is whether cryptocurrencies threaten the financial system. Were bitcoin to collapse,that its holders would lose hundreds of billions of dollars but that the fallout would be manageable.

Most of the assets were riskier—about half of them commercial paper. Stablecoins’ growth from a value of $14bn in August 2020 to over $100bn today has given them a big financial footprint. Extrapolating Tether’s disclosures implies that it owns over $30bn-worth of commercial paper, which probably makes it the asset class’s seventh-largest investor, not far off funds run by Vanguard and BlackRock, according to JPMorgan Chase.

No wonder Mr Gensler calls cryptocurrencies a Wild West. Some policymakers have compared stablecoins to the period of “free banking”, when privately issued banknotes of uncertain backing and worth circulated in America’s economy in the 19th century. A more useful comparison is with money-market funds, which were created in the 1970s to circumvent rules limiting the interest banks could pay depositors.

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