CJSOI

Stablecoins, Banking & Blockchain

SOI Editorial

SOI Editorial is the collective byline of CJSOI, Crypto Journal by SOI. The journal covers stablecoins, banking, payments and blockchain, with explanations grounded in original sources.

Latest

Issuer, service and market as separate regulatory questions
Federal Reserve ·

Fed Proposes Rules for Payment Stablecoin Issuers

Two proposals cover reserves, capital, risk controls and an application process for firms under Fed supervision.

A key beside owner, recovery and wallet rules
Ledger ·

Payward and Ledger Plan Wallet and Trading Integrations

The announced work connects Ledger signing with Kraken and adds Payward services inside Ledger Wallet.

Issuer, service and market as separate regulatory questions
Regulation ·

Who Regulates a Stablecoin?

The issuer, the service and the customer's market can fall under different rules and authorities.

A card payment connected to a merchant fiat payout
Visa ·

Reap and Visa Plan Stablecoin Cards in 100+ Markets

The collaboration targets a wider geographic rollout; it does not mean every market is already live.

Reserve assets connected to interest income and costs
Circle ·

Binance Invests $100 Million in Circle

The companies also announced a five-year commercial agreement focused on expanding USDC access.

A bank account connected to an onchain balance
SoFi ·

SoFiUSD Settlement Goes Live on Mastercard

SoFi says transactions are live as it migrates its card program to stablecoin-based settlement.

Bank deposit and token claims shown side by side
ECB ·

Eurosystem Launches Pontes for Tokenized Settlement

The service connects wholesale tokenized-asset transactions with settlement in central bank money.

Sender and recipient information accompanying a transfer
Regulation ·

The Travel Rule: What Travels With a Crypto Transfer?

The payment moves on a network. Required sender and recipient information is a separate data process.

Treasury bills held by a fund represented by a token
Markets ·

Tokenized Treasury Funds: What Investors Hold

A token can represent a fund share—not a Treasury bill in your wallet and not a payment stablecoin.

Reserve assets connected to interest income and costs
Stablecoins ·

How Stablecoin Issuers Make Money

Follow the reserve income, distribution costs and interest-rate exposure behind the stablecoin issuer business.

A card payment connected to a merchant fiat payout
Payments ·

How Crypto Cards Turn Tokens Into Merchant Payments

A card funded with stablecoins does not mean the shop receives a blockchain transfer.

Borrower interest connected to supplier yield
Markets ·

Where DeFi Lending Yields Come From

Borrower interest can fund supplier returns. A quoted rate is neither fixed nor a guarantee of withdrawal.

Bank deposit and token claims shown side by side
Banking ·

Tokenized Deposits and Stablecoins: The Difference

A digital token does not tell you who owes the money. Start with the claim behind it.

A key beside owner, recovery and wallet rules
Blockchain ·

Who Controls a Smart Wallet?

Look beyond the login screen: signing rules, recovery powers and upgrades determine control.

An invoice progressing to received, matched and settled
Payments ·

Paying Suppliers in Stablecoins: Invoice to Settlement

Agree the asset, network and final amount before treating a wallet transfer as a paid invoice.

A vault with keys, access and custody records
Banking ·

How Banks Hold Digital Assets for Clients

Custody is about authority, records and recovery—not simply putting a key in a vault.

USDT and USDC compared through reserves and access
Stablecoins ·

USDT and USDC: Reserves, Redemption and Access

Both target the dollar. Their disclosures, issuer accounts and routes back to cash need separate checks.

One stablecoin with a choice of three networks
Blockchain ·

Choosing a Network for Stablecoin Transfers

Start with the recipient's supported asset and network. Compare speed and fees only after that.

MiCA with ART, EMT and CASP categories
Regulation ·

MiCA and Stablecoins: A Guide to the EU Framework

Token categories, issuer permissions and service-provider authorizations answer different questions.

Stablecoin supply distinguished from payment flows
Markets ·

Stablecoin Supply: What It Says About Crypto Markets

More tokens outstanding can mean more potential liquidity. It does not prove what holders will do next.

Native token issuance contrasted with a bridge-backed claim
Blockchain ·

Native and Bridged Stablecoins: What Changes?

Trace native and bridged stablecoins through lock-and-mint and burn-and-mint diagrams, dependencies and deposit checks.

A payment receipt including fees, FX and conversion
Payments ·

The Full Cost of a Cross-Border Stablecoin Payment

A complete payment-cost model, worked examples and World Bank data for comparing what the recipient really receives.

Reserve assets connected to interest income and costs
Tether ·

Tether Reports a $4.11 Billion Reserve Buffer

The June 30 reserve snapshot shows assets above liabilities; the assurance has a defined reporting scope.

A bank account connected to an onchain balance
Banking ·

Why Crypto Companies Still Need Bank Accounts

An onchain business can still have offchain bills, reserve assets and customers who need cash.

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