Stablecoins are core infrastructure for payments, liquidity and digital commerce. For community banks, the question isn’t whether stablecoins will matter. It’s how they can participate in shaping the ecosystem rather than watch value migrate to fintechs, Big Tech, and big banks.
The panel will examine how community and mid-tier banks can approach stablecoin strategy with discipline and ambition, identifying practical use cases, evaluating issuance vs. partnership models, managing regulatory and liquidity considerations, and translating on-chain capabilities into tangible community impact. From faster cross-border settlement to treasury efficiency and small-business enablement, we will explore where execution can drive revenue, deposit stickiness, and long-term competitiveness.
The discussion is focused on action—what to build, what to partner for, and how to avoid being disintermediated in the next phase of payments innovation. Talking points will include:
o Issuer, distributor, or infrastructure partner: choosing the right role.
o Deposit implications, liquidity management, and balance sheet strategy.
o Stablecoins vs. traditional payments rails: revenue cannibalization or expansion?
o Compliance, risk, and governance frameworks for community institutions.
o Use cases that matter locally: SMB payments, remittances, municipal flows.
o Core integration and operational execution: what it really takes to launch.
