Stablecoins are digital assets pegged to a stable asset like USD or GBP. Popular examples include:
They are widely used for:
However, events like TERRA Luna crash (2022) and stablecoin de-pegs exposed major risks. The UK wants to ensure stablecoins used for payments are safe, fully backed, liquid, and regulated.
Stablecoin issuers must hold high-quality liquid assets (HQLA) such as:
This ensures users can redeem their stablecoins anytime without risk.
Companies cannot mix customer funds with business funds. This protects user money in case the company goes bankrupt.
1 stablecoin = 1 British Pound. No delays. No exceptions. No liquidity issues.
The UK may restrict:
Any business providing stablecoin services must be regulated by:
Rules will apply to:
Past crashes caused huge losses. UK aims to prevent any stablecoin collapse harming citizens.
If millions of people use stablecoins, any failure can impact the entire economy.
The UK aims to become a global crypto hub — with strong rules, not chaos.
The upcoming Digital Pound may rely on this same legal foundation.
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