{"id":82274,"date":"2023-11-08T17:09:37","date_gmt":"2023-11-08T22:09:37","guid":{"rendered":"https:\/\/ifintechworld.com\/markets\/crypto\/eba-releases-liquidity-guidelines-for-stablecoin-issuers\/"},"modified":"2023-11-08T17:09:42","modified_gmt":"2023-11-08T22:09:42","slug":"eba-releases-liquidity-guidelines-for-stablecoin-issuers","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=82274","title":{"rendered":"EBA Releases Liquidity Guidelines for Stablecoin Issuers"},"content":{"rendered":"<div>\n<figure id=\"attachment_128757\" aria-describedby=\"caption-attachment-128757\" style=\"width: 1200px\" class=\"wp-caption aligncenter\"><noscript><\/noscript><figcaption id=\"caption-attachment-128757\" class=\"wp-caption-text\"><em>Source: European Banking Authority (EBA)<\/em><\/figcaption><\/figure>\n<p>The European Banking Authority (EBA) has issued guidelines regarding liquidity and capital requirements for stablecoin issuers in line with the EU\u2019s new Markets in Crypto Assets (MiCA) regulation.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">A third batch of <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hashtag\/MiCAR?src=hash&amp;ref_src=twsrc%5Etfw\">#MiCAR<\/a> public consultations has now been released making up part of the prudential package of MiCAR deliverables, and covers a number of topics<\/p>\n<p>\ud83e\uddf5 <a rel=\"nofollow\" href=\"https:\/\/t.co\/qSOYqxnNnS\">pic.twitter.com\/qSOYqxnNnS<\/a><\/p>\n<p>\u2014 EU Banking Authority \u2013 EBA \ud83c\uddea\ud83c\uddfa (@EBA_News) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/EBA_News\/status\/1722208824143290785?ref_src=twsrc%5Etfw\">November 8, 2023<\/a><\/p>\n<\/blockquote>\n<p>In the latest framework published on November 8, the EBA stated that the proposed regulation envisions a liquidation stress test, which entails issuers providing a full reserve of assets pegged to stablecoins.<\/p>\n<p>This means only assets meeting specific quality standards can be employed as the basis for a stablecoin or other digital assets.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">\u27a1\ufe0fSupervisory Colleges: https:\/\/t.co\/tdowUCP3fT<\/p>\n<p>\u27a1\ufe0fReporting of transactions with asset-referenced tokens and e-money tokens denominated in a non-EU currency: https:\/\/t.co\/9YVAsHS2n5<\/p>\n<p>\u27a1\ufe0fOwn funds requirements and stress testing of issuers: https:\/\/t.co\/2f0ZtUarFJ<\/p>\n<p>\u2014 EU Banking Authority \u2013 EBA \ud83c\uddea\ud83c\uddfa (@EBA_News) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/EBA_News\/status\/1722208826869579858?ref_src=twsrc%5Etfw\">November 8, 2023<\/a><\/p>\n<\/blockquote>\n<p>The primary objective of the guidelines is to ensure that assets can be swiftly liquidated to generate cash for paying back redemptions to investors, even in highly volatile market conditions.<\/p>\n<p>This is a crucial measure to prevent panic-driven asset runs and contagion crises in stress markets.<\/p>\n<p>The EBA iterated that applying the guidelines would enable stablecoin issuers to manage their reserve of assets.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">\u27a1\ufe0fRecovery plans for issuers of asset-referenced tokens and e-money tokens: https:\/\/t.co\/Y73PZQtEBA<\/p>\n<p>\u27a1\ufe0fLiquidity requirements and liquidity stress testing of relevant issuers of tokens: https:\/\/t.co\/IzxbwGgjJm<\/p>\n<p>\u2014 EU Banking Authority \u2013 EBA \ud83c\uddea\ud83c\uddfa (@EBA_News) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/EBA_News\/status\/1722208828979351946?ref_src=twsrc%5Etfw\">November 8, 2023<\/a><\/p>\n<\/blockquote>\n<p>Based on the liquidity stress test outcomes, the agency or any relevant authority may decide to strengthen the liquidity requirements of issuers to address more risks after recommendations come into effect.<\/p>\n<p>Another notable highlight of the guidelines proposal is the potential exemption of banks.<\/p>\n<p>The EBA clarified that banks may be exempted from certain liquidity requirements in some cases, given that they already hold funds per existing EU bank capital and liquidity regulations.<\/p>\n<p>The additional regulations are intended to prevent undue capital or liquidity advantages over banks for issuers of stablecoins, which may include non-bank institutions if they adhere to the same policies.<\/p>\n<p>In a closing note, the EBA stated that the proposal is still at the consultation stage, which leaves an open window for observers and the general public to provide feedback.<\/p>\n<p>The consultation period will remain open until January 30, 2024, when the MiCAR will hold its initial public hearing.<\/p>\n<h2>Bank of England Warns Lenders on Stablecoin Amidst Third Batch of MiCAR<\/h2>\n<p><span class=\"replacer\"><\/span><br \/>As the EU\u2019s MiCAR gains momentum, the Bank of England (BoE) and the Financial Conduct Authority (FCA) have unveiled initial proposals for regulating stablecoins as part of the first wave of forthcoming rules for the cryptocurrency sector.<\/p>\n<p>In a joint framework released on November 6, the BoE and FCA emphasized that these guidelines are focused on the systemic retail payment systems that involve stablecoins and related service providers, such as payment platforms.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">We\u2019ve set out proposals for regulating <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hashtag\/stablecoins?src=hash&amp;ref_src=twsrc%5Etfw\">#stablecoins<\/a> to harness potential benefits like faster and cheaper payments while protecting <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hashtag\/consumers?src=hash&amp;ref_src=twsrc%5Etfw\">#consumers<\/a>. <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/hashtag\/Cryptoassets?src=hash&amp;ref_src=twsrc%5Etfw\">#Cryptoassets<\/a>https:\/\/t.co\/1hsV6snZsw <a rel=\"nofollow\" href=\"https:\/\/t.co\/KovFmOykQt\">pic.twitter.com\/KovFmOykQt<\/a><\/p>\n<p>\u2014 Financial Conduct Authority (@TheFCA) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/TheFCA\/status\/1721467890619072623?ref_src=twsrc%5Etfw\">November 6, 2023<\/a><\/p>\n<\/blockquote>\n<p>The entities underscored the risks of utilizing stablecoins within systemic payment systems and advocated subjecting them to equivalent regulatory standards.<\/p>\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\">\n<p lang=\"en\" dir=\"ltr\">We have published a Discussion Paper setting out the Bank\u2019s proposed regulatory regime for systemic payment systems using stablecoins and related service providers: https:\/\/t.co\/xtlbDN4Fqd<\/p>\n<p>Share your views on the regime by Tuesday, 6 February 2024: https:\/\/t.co\/AiICZomiDn <a rel=\"nofollow\" href=\"https:\/\/t.co\/lEkz25EPer\">pic.twitter.com\/lEkz25EPer<\/a><\/p>\n<p>\u2014 Bank of England (@bankofengland) <a rel=\"nofollow\" href=\"https:\/\/twitter.com\/bankofengland\/status\/1721458020146610240?ref_src=twsrc%5Etfw\">November 6, 2023<\/a><\/p>\n<\/blockquote>\n<p>In furtherance of this objective, the BoE sent a letter to bank CEOs outlining how financial institutions should manage tokenized deposits if they offer them.<\/p>\n<p>According to the letter, if deposit-takers wish to issue e-money or regulated stablecoins to retail customers, this should be executed through distinct, non-deposit-taking, and insolvency-remote entities.<\/p>\n<p>This is because cash deposit accounts in the United Kingdom are safeguarded by insurance in the event of a liquidation. However, the same does not apply to separate e-money or stablecoin accounts.<\/p>\n<p>With the EU\u2019s MiCAR and the UK\u2019s recommendations set to take shape in the coming months, risks related to lack of regulatory clarity, fraud, and anti-money laundering (AML) may decline when put into effect.<\/p>\n<div class=\"newsletter home-newsletter single\">\n<div class=\"left-side\">\n<p>\n        <em><br \/>\n            Enter your email for our Free Daily Newsletter        <\/em>\n    <\/p>\n<p> A quick 3min read about today&#8217;s crypto news!<\/p>\n<p>    <span class=\"response-msg\" id=\"newsletter-response\"><\/span>\n<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script><br \/>\n<br \/>Read the full article <a href=\"https:\/\/cryptonews.com\/news\/eba-releases-liquidity-guidelines-for-stablecoin-issuers.htm\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Source: European Banking Authority (EBA) The European Banking Authority (EBA) has issued guidelines regarding liquidity and capital requirements for stablecoin issuers in line with the EU\u2019s new Markets in Crypto Assets (MiCA) regulation. A third batch of #MiCAR public consultations has now been released making up part of the prudential package of MiCAR deliverables, and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":82275,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[243],"tags":[83],"class_list":["post-82274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto","tag-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>EBA Releases Liquidity Guidelines for Stablecoin Issuers | iFintechWorld<\/title>\n<meta name=\"description\" content=\"Source: European Banking Authority (EBA) The European Banking Authority (EBA) has issued guidelines regarding liquidity and capital requirements for\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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