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Wire · regulatory

ECB, EU cenbanks seek changes in MiCA's minimum bank deposit for stablecoins

22 September 2026 · By · Wire by Fusion42

Published

22 September 2026

Topic

regulatory

◆ Sectors

Fintech

◆ Geography

Europe

◆ Source

Read at tradingview.com →

◆ Verified

Fusion42 · 22 September 2026 · Fusion42 review

The ECB and EU central banks propose replacing stablecoin reserve bank-deposit minimums under MiCA with liquidity requirements to reduce liquidity risks to banks, advocating for short-term liquid assets instead.

This Wire brief sits within Fusion42's coverage of Fintech.

◆ ◆ The Wire takeaway

You must rethink reserve composition for stablecoins in the EU as mandatory bank deposit rules are likely to be replaced with stricter liquidity thresholds. This opens a path for issuers offering more liquid reserve instruments but narrows options that could strain banks in a run.

◆ Coverage

1 source · 22 Sep 2026

◆ Related on Wire

◆ Topics

Fintechstablecoinsmicaliquidity-risksecbcrypto-regulation