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Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial. The GENIUS Act has turbocharged the United States stablecoin market, and the U.S.’s biggest banks are already cashing in. Regional banks must partner with crypto startups now if they are to bridge the digital gap, provide customers with access to the market, and share in booming stablecoin revenues. If not, they risk being locked out of the market entirely by their larger counterparts. Summary Stablecoins are now a revenue line, not a side bet: $33T in annual volume and multibillion-dollar bank revenues show the opportunity is already being captured. Regional banks can’t outspend — but they can outpartner: Collaborating with regulated crypto startups lets them skip costly R&D and compete with Big Four infrastructure. The real risk is hesitation: As regulation matures and giants lock in early market share, inaction could permanently shut regional banks out of stablecoin payment flows. In such a gloomy, bearish market environment, stablecoins have emerged as the unlikely winners. Courtesy of the dial-moving GENIUS Act, the market has been given its long-overdue seal of regulatory approval, seeing a mass uptick in consumer sentiment and institutional embrace as a result. Demand is high, mood is high, and the market is at its peak. And with a huge upside ready for the taking, regional banks cannot afford to miss out on their time in the spotlight. Stablecoin transaction volumes rose to a record $33tn in 2025, and JPMorgan’s payments division generated over $4bn in revenue in Q2 alone last year after launching its own token. Amid current reports of earnings surges across Wall Street, one thing is clear to me: those who take the risk and invest in their ability to facilitate stablecoin transactions…

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Filed under: News - @ February 13, 2026 12:28 pm