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Stablecoins and Tokenized Deposits: What Community Banks and Credit Unions Need to Know

Two instruments. Two balance sheets. One funds loans. One doesn’t.
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The GENIUS Act put stablecoins under a federal framework. Tokenized deposits never needed one. That distinction shapes decisions on deposit funding, lending capacity, and interchange revenue for community banks and credit unions. This brief separates the two instruments and recommends a funded monitoring posture paired with one narrow, reversible pilot.

About the Author

Enrico Camerinelli

Enrico Camerinelli

Enrico Camerinelli is a Strategic Advisor at Datos Insights specializing in commercial banking, cash and trade finance, and payments. Based in Milan, he brings a strong European focus to the Commercial Banking practice at Datos Insights. Enrico has been widely quoted by publications ranging from American Banker to the Financial Times. He has contributed editorial content to publications such as Supply Chain Europe,...

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