The Bank of England won’t lift its proposed stablecoin holding limits until it’s confident a flood of bank deposits into digital assets won’t threaten lending to the real economy, Reuters reported.
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<p>The Bank of England won’t lift its proposed stablecoin holding limits until it’s confident a flood of bank deposits into digital assets won’t threaten lending to the real economy, Reuters reported.</p>
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<div><span>Summary</span></div>
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<li>The Bank of England will maintain proposed stablecoin holding limits until it deems risks to financial stability have subsided.</li>
<li>The plan sets strict thresholds for individuals and corporations, with potential exemptions for major firms.</li>
<li>The BoE and UK Treasury are also developing a resolution regime to handle potential stablecoin failures and protect market continuity.</li>
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<p>According to a Reuters report on Oct. 15, the Bank of England will keep its proposed caps on stablecoin holdings in place until it is convinced that large-scale movement of deposits from banks into digital assets poses no threat to financial stability.</p>
<adv/><p>Deputy Governor Sarah Breeden said in a speech that unrestricted stablecoin adoption in the UK could drain liquidity from commercial banks and trigger a sudden contraction in credit for households and businesses.</p>
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<h2><strong>UK’s cautious stablecoin framework for a still-forming market</strong></h2>
<p>The Bank of England’s proposal outlines strict thresholds on how much stablecoin individuals and businesses can hold at any given time. Earlier drafts of the plan suggested limits between £10,000 and £20,000 for individuals, and up to £10 million for corporate entities. The largest firms, however, may be exempted to accommodate operational or settlement needs.</p>
<p>Under Britain’s proposed regulatory framework, the Bank of England would oversee only systemic sterling-denominated stablecoins, including those deemed capable of being widely used for payments or posing a potential threat to financial stability. The Financial Conduct Authority would supervise the rest under a lighter regime.</p>
<p>Parallel to the cap discussion, the BoE is engaged in a critical, though less publicized, effort with the UK Treasury to design a resolution regime for stablecoin issuers. This work focuses on the “what if” scenario of a major stablecoin collapse. The goal is to ensure continuity of services for holders, preventing a disorderly failure from rippling through the financial system.</p>
<p>Meanwhile, Breeden’s firm stance arrives just a week after a Bloomberg report indicated the central bank was preparing to introduce exemptions for certain firms, a move seen as a concession to industry pressure. The UK faces increasing competition from the U.S., where the recent passage of the GENIUS Act has provided a clearer, if still evolving, pathway for dollar-backed stablecoins.</p>
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<span> Read more: </span> Erebor secures conditional OCC charter for crypto banking</div>

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UK stablecoin caps to stay until systemic risks fade

据路透社报道，英格兰银行不会取消其拟议的稳定币持有限制，除非该银行确信大量银行存款涌入数字资产不会威胁到实体经济的贷款。


<div><div><p>据路透社报道，英格兰银行不会取消其拟议的稳定币持有限制，除非它确信大量银行存款流入数字资产不会威胁到对实体经济的贷款。</p><adv/><div><div><span>概括</span></div><div><ul><li>英格兰银行将维持拟议的稳定币持有限制，直到其认为金融稳定风险已经消退。</li><li>该计划对个人和企业设定了严格的门槛，但大公司可能会获得豁免。</li><li>英国央行和英国财政部也正在制定解决方案，以应对潜在的稳定币失败并保护市场连续性。</li></ul></div></div><p>据路透社10月15日报道，英国央行将维持其对稳定币持有量的拟议上限，直到确信银行存款大规模转向数字资产不会对金融稳定构成威胁。</p><adv/><p>副行长萨拉·布里登 (Sarah Breeden) 在演讲中表示，英国不受限制地采用稳定币可能会耗尽商业银行的流动性，并引发家庭和企业信贷的突然收缩。</p><div><span>您可能还喜欢：</span> Stable 选择 Morpho 作为贷款合作伙伴来产生稳定币收益</div><h2><strong>英国为仍在形成的市场制定了谨慎的稳定币框架</strong></h2><p>英格兰银行的提案概述了个人和企业在特定时间可以持有的稳定币数量的严格门槛。该计划的早期草案建议个人持有的稳定币限额为1万至2万英镑，企业实体的持有量最高为1000万英镑。不过，规模最大的公司可能会获得豁免，以满足运营或结算需求。</p><p>根据英国拟议的监管框架，英格兰银行将仅监管以英镑计价的系统性稳定币，包括那些被认为能够广泛用于支付或对金融稳定构成潜在威胁的稳定币。金融行为监管局将以较宽松的监管制度对其余稳定币进行监管。</p><p>在讨论上限的同时，英国央行正与英国财政部合作，为稳定币发行人设计一套至关重要但鲜为人知的处置机制。这项工作重点关注稳定币大规模崩盘的“假设”情景。目标是确保稳定币持有者服务的连续性，防止无序崩溃波及整个金融体系。</p><p>与此同时，就在布里登表态强硬之际，彭博社的一篇报道称，英国央行正准备对某些公司实行豁免，此举被视为对行业压力的让步。英国面临着来自美国的日益激烈的竞争，美国最近通过的《GENIUS法案》为美元支持的稳定币提供了一条更清晰（尽管仍在不断发展）的发展路径。</p><div><span>阅读更多：</span> Erebor 获得有条件的 OCC 加密银行牌照</div></div></div>

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