As stablecoins move into the regulated financial mainstream, banks must consider implications that extend well beyond payments—from deposit flows and liquidity to technology investments and long-term competitive strategy. The GENIUS Act creates a new federal framework for payment stablecoins, bringing new regulatory requirements, new market entrants, and new strategic decisions for banks and financial services companies. Bowles Rice can help you navigate what comes next. From evaluating the Act’s regulatory requirements and issuer pathways to assessing stablecoin strategies, tokenized deposits, reserve expectations, custody considerations, and emerging payment infrastructure, our attorneys help financial institutions understand both the risks and the opportunities ahead. The future of banking is taking shape now. Make sure your strategy is ready for it. CHARLESTON, WV • MARTINSBURG, WV • MORGANTOWN, WV • PARKERSBURG, WV • SOUTHPOINTE, PA • WINCHESTER, VA 600 Quarrier Street • Charleston, WV 25301 Responsible Attorney: Marc Monteleone bowlesrice.com The GENIUS Act is Law. What’s Your Next Move? Amy Tawney | 304.347.1123 atawney@bowlesrice.com Floyd Boone | 304.347.1733 fboone@bowlesrice.com Ben Thomas | 304.347.1121 bthomas@bowlesrice.com Drew Proudfoot | 304.285.2566 dproudfoot@bowlesrice.com
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