US Regulators Enter Tokenization Era: What Finance Pros Must Know

US Regulators Enter Tokenization Era: What Finance Pros Must Know

November 15, 2025
🚀 US Regulators Are Officially Entering the Tokenization Era — And Finance Professionals Need to Pay Attention The future of money is being rewritten, and this week the FDIC just confirmed it. Acting FDIC Chair Travis Hill announced that the agency is preparing formal guidance for tokenized deposit insurance — and will introduce an application regime for stablecoin issuers by the end of the year. Let’s be clear: This is one of the strongest signals yet that US banking regulators see blockchain-based financial infrastructure as legitimate, scalable, and inevitable. 💬 “A deposit is a deposit… Moving it to a blockchain doesn’t change the legal nature of it.” — Travis Hill, FDIC Acting Chair This shift isn’t happening in theory — it’s happening because Wall Street is already deep into tokenization: 🔘Tokenized real-world assets surpassed $24B in the first half of the year 🔘BlackRock’s tokenized money market fund BUIDL continues to accelerate institutional adoption 🔘Stablecoins now represent a $305B market globally And now, the FDIC wants to ensure banks can participate under a regulated, risk-managed framework. 🔍Why this matters for finance & accounting professionals Tokenized deposits and regulated stablecoins will reshape: ✔ Payment rails (instant, low-cost settlement) ✔ Audit processes (on-chain, real-time verification) ✔ Treasury operations (24/7 liquidity + programmable money) ✔ Compliance (transparent, immutable reporting) This is no longer a niche area of crypto — it’s becoming core banking infrastructure. 🎓 The workforce gap is growing As regulators move forward, organizations, universities, and CPA state societies are racing to upskill their teams on blockchain fundamentals, stablecoin design, and tokenized finance. The truth is simple: The professionals who understand blockchain will be the ones leading tomorrow’s financial system. 📘 Want to stay ahead of these regulatory and industry shifts? Our MMBABlockchain Accounting Course Series and a Blockchain Finance Course Series. help professionals and students build the skills the FDIC, banks, and institutions are preparing for today. https://hubs.li/Q03Tn-6V0 #FinanceRegulation#USRegulators#FDIC#BankingInnovation #BlockchainFinance#DigitalAssets#Tokenization#Stablecoins

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US Regulators Enter Tokenization Era: What Finance Pros Must Know

By
Larry Liermann
November 15, 2025
5 min read
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🚀 US Regulators Are Officially Entering the Tokenization Era — And Finance Professionals Need to Pay Attention The future of money is being rewritten, and this week the FDIC just confirmed it. Acting FDIC Chair Travis Hill announced that the agency is preparing formal guidance for tokenized deposit insurance — and will introduce an application regime for stablecoin issuers by the end of the year. Let’s be clear: This is one of the strongest signals yet that US banking regulators see blockchain-based financial infrastructure as legitimate, scalable, and inevitable. 💬 “A deposit is a deposit… Moving it to a blockchain doesn’t change the legal nature of it.” — Travis Hill, FDIC Acting Chair This shift isn’t happening in theory — it’s happening because Wall Street is already deep into tokenization: 🔘Tokenized real-world assets surpassed $24B in the first half of the year 🔘BlackRock’s tokenized money market fund BUIDL continues to accelerate institutional adoption 🔘Stablecoins now represent a $305B market globally And now, the FDIC wants to ensure banks can participate under a regulated, risk-managed framework. 🔍Why this matters for finance & accounting professionals Tokenized deposits and regulated stablecoins will reshape: ✔ Payment rails (instant, low-cost settlement) ✔ Audit processes (on-chain, real-time verification) ✔ Treasury operations (24/7 liquidity + programmable money) ✔ Compliance (transparent, immutable reporting) This is no longer a niche area of crypto — it’s becoming core banking infrastructure. 🎓 The workforce gap is growing As regulators move forward, organizations, universities, and CPA state societies are racing to upskill their teams on blockchain fundamentals, stablecoin design, and tokenized finance. The truth is simple: The professionals who understand blockchain will be the ones leading tomorrow’s financial system. 📘 Want to stay ahead of these regulatory and industry shifts? Our MMBABlockchain Accounting Course Series and a Blockchain Finance Course Series. help professionals and students build the skills the FDIC, banks, and institutions are preparing for today. https://hubs.li/Q03Tn-6V0 #FinanceRegulation#USRegulators#FDIC#BankingInnovation #BlockchainFinance#DigitalAssets#Tokenization#Stablecoins
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Larry Liermann
Larry Liermann is Co-Founder and Head of Sales & Partnerships at MMBA, where he leads the company’s business development efforts and discussions with strategic partners, including Higher Education Institutions, Enterprise clients, and various industry organizations. He has led global sales teams at trading technology companies and is also a former Co-Founder of another Educational Technology startup.

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