Seeds of Wisdom RV and Economics Updates Monday Afternoon 10-13-2025
Good Afternoon Dinar Recaps,
Ten Major Banks Explore Unified Stablecoin Alliance
Traditional banking giants are quietly forming a consortium to issue digital tokens pegged to fiat — a possible turning point in monetary power.
What’s Actually Unfolding
A coalition of ten prominent banks — including Bank of America, Goldman Sachs, Deutsche Bank, UBS, Citi, Barclays, MUFG, TD Bank, Santander, and BNP Paribas — is reportedly exploring the issuance of a stablecoin pegged 1:1 to G7 currencies.
Their stated goal: to test whether blockchain-based, fiat-backed digital assets can combine payment efficiency with regulatory compliance and risk control.
The banks are in coordination with regulators and supervisors in markets where they operate, aiming to design a framework that balances innovation with stability.
Why This Matters — The Stakes Are High
If such a stablecoin gains traction, it would allow global banks to control money creation and flow via a digital platform — shifting influence from central banks and payments networks toward private institutions.
The effort represents an attempt to merge control with liquidity: rather than competing in the back end, these banks may jointly own the rails.
It also signals financial institutions taking a direct hand in monetary infrastructure, not just financing — blurring the lines between banking, currency, and payments.
Challenges & Open Questions
Regulatory uncharted territory: Even supportive authorities will demand clarity on reserve backing, audits, redemption protections, and systemic safeguards.
Trust & adoption: Winning public trust is even harder than building the system. If users fear failure or expropriation, adoption could stall.
Interoperability vs fragmentation: Will this new system remain separate, or integrate with current rails (SWIFT, Fedwire, etc.) — or compete?
Power concentration risk: A few banks controlling currency rails may raise concerns about collusion, data privacy, and undue leverage.
Where This Fits in the Bigger Reset
This effort is part of a broader pattern: traditional banks moving from intermediaries to infrastructure owners.
In parallel, SWIFT is developing its own blockchain payments platform, teaming with Bank of America and Citigroup to support tokenized transactions.
The move toward institutional stablecoins complements other shifts: Canton Network, institutional blockchain initiatives, and tokenization of bonds and assets.
If successful, this stablecoin could act as a new monetary backbone — one managed by banks instead of central banks, especially in a multilateral world of competing financial blocs.
Why This Matters
This isn’t just fintech hype — it’s a strategic bet on who will own the future of money.
The seeds of financial sovereignty are being planted not by states alone, but by private capital institutions assembling new currency power.
As this system grows, existing monetary hierarchies may erode — making sovereignty, infrastructure control, and trust the true new currencies.
This is not just politics — it’s global finance restructuring before our eyes.
🌱Seeds of Wisdom Team🌱
@ Newshounds News™ Exclusive
Sources:
• Reuters — Major banks explore issuing stablecoins pegged to G7 currencies Reuters
• CryptoBriefing — Goldman Sachs, Deutsche Bank, and other banking giants unite to explore reserve-backed digital money Crypto Briefing
• Bankless — Global Banks Join Forces to Explore 1:1 Reserve-Backed Digital Currency Bankless
• Crypto.news — Goldman Sachs, BoA, Citigroup to explore stablecoin launch crypto.news
• ArXiv — Banking 2.0: The Stablecoin Banking Revolution arXiv
• Wikipedia — Canton Network (for context on institutional blockchain infrastructure) Wikipedia
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