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Stablecoin regulation: A comparative glance at U.S. and EU law

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  • Langenbucher, Katja

Abstract

How should legislators and regulators cope with technological innovation in the field of financial services? Move quickly, top-down, to provide legal certainty - or let things develop bottom-up, with decentralised legislators and agency initiatives preparing the ground? Over the last years, stablecoins, i.e., crypto assets that are framed as payment instruments and promise stability through a peg to underlying reserves,2 have been a paradigm example for regulatory strategies and cultural differences between the U.S. and the EU. The U.S. has been inclined to take a bottom-up engagement, coupled with a distrust of government intervention, while the EU was more disposed towards quickly moving forward with comprehensive regulation, aimed at insulating financial consumers from anticipated harm.

Suggested Citation

  • Langenbucher, Katja, 2026. "Stablecoin regulation: A comparative glance at U.S. and EU law," SAFE White Paper Series 120, Leibniz Institute for Financial Research SAFE.
    • Handle: RePEc:zbw:safewh:343097
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