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EU and NY regulators sign pact on stablecoin oversight

EU and US regulators forge stablecoin oversight pact as market consolidates.

  • The European Banking Authority and the New York State Department of Financial Services have agreed to jointly supervise cross-border stablecoin operations.
  • The collaborative framework aims to enhance oversight, share critical information, and address potential market risks and emergencies.
  • The stablecoin market has surpassed $319 billion globally, but analysts note it is entering a period of consolidation following rapid growth.
  • This cooperation comes as both the EU and the US have recently implemented comprehensive regulatory frameworks for crypto assets.

On Tuesday, the European Banking Authority and the New York State Department of Financial Services formalized an agreement to jointly police stablecoin activities across their jurisdictions. The memorandum of understanding establishes procedures under the EU’s Markets in Crypto-Assets (MiCA) Regulation to exchange supervisory information and coordinate efforts. This transatlantic pact is a direct response to the sector’s massive growth, now valued at over $319 billion according to DeFiLlama.

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Consequently, the two regulators will share detailed data on issued tokens, circulation volumes, holder counts, and audit results. However, the agreement specifically covers only the stablecoin-related activities of supervised entities, not their entire business operations. The deal will “enhance the supervision of entities engaged in stablecoin activities, identify market trends and risks, and promote the integrity of the stablecoin market.”

Meanwhile, this regulatory coordination builds upon recent landmark legislation in both regions. U.S. President Donald Trump signed stablecoin regulations into law last July, while the EU’s MiCA framework took effect in late 2024. Jimmy Xue, co-founder of quantitative yield protocol Axis, noted the market has largely plateaued after rapid expansion, entering a consolidation phase. He attributed this to new regulation, liquidity constraints, and higher real-world yields reducing appetite for new issuance.

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