The FCA (Financial Conduct Authority) has published the final version of its regulatory framework for crypto assets. The key change is the reduction of capital requirements for stablecoin issuers from 2% to 1% of outstanding liabilities. This decision could make the UK a more attractive jurisdiction for stablecoin issuance.

What does this mean for users?

Lower capital requirements could lead to:

  • An increase in the number of stablecoin issuers registered in the UK.
  • Increased competition and, consequently, lower fees for users.
  • Faster adoption of stablecoins in payment infrastructure.

Practical value

For VirtCardPay users, this means that in the future, there may be more options for topping up cards and conducting transactions via stablecoins. Importantly, new rules may encourage issuers to choose networks with low fees and high speed, such as TRC-20 (Tron) or BEP-20 (BNB Smart Chain), rather than ERC-20 (Ethereum), where fees are traditionally higher.

Conclusion

The new FCA rules are a positive signal for the stablecoin market. Lower capital requirements could accelerate the adoption of stablecoins in the UK and beyond, ultimately benefiting users who seek fast and cheap ways to pay for foreign services.

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Sources

This material is for informational purposes only and is not financial advice. Data and service terms may change, so check primary sources before making a payment or investment decision. Mentions of third-party brands and services do not imply official partnership, support, or endorsement by VirtCardPay.
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