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Summary

The U.S. Financial Stability Oversight Council (FSOC) said it no longer views crypto assets and stablecoins as an imminent threat to the financial system.
It explained that with the implementation of the 'GENIUS Act,' a federal regulatory framework for payment stablecoins has been established, enhancing regulatory clarity.
The report omitted warnings about bank-run risks and market-concentration concerns, and said a streamlined regulatory environment is supporting stablecoin innovation in the United States.

U.S. financial regulators have officially stated that they no longer view crypto assets and stablecoins as an imminent threat to the financial system. The assessment is that risk perceptions have eased as a federal-level regulatory framework has taken shape.

According to Decrypt on the 16th (local time), the U.S. Financial Stability Oversight Council (FSOC) said in its recently released 2025 annual report that it has softened its previous cautionary stance toward crypto assets and stablecoins.

The report cited the “GENIUS Act,” a stablecoin oversight bill that took effect in July, explaining that a federal regulatory regime for payment stablecoins has been established, significantly improving regulatory clarity.

In this report, the FSOC omitted warnings it had repeatedly raised in the past about bank-run risks and market concentration. Instead, it assessed that the streamlined regulatory environment is helping support stablecoin innovation in the United States.

The report also stated that a substantial portion of on-chain activity is associated with legitimate uses rather than illicit finance. This is interpreted as reflecting the view that crypto trading and use cases are gradually integrating with the regulated financial system.