On Demand Course

Stablecoins 101 for Financial Institutions

Gain a clear, practical understanding of what stablecoins are, how they work, where the regulatory lines are drawn, and what your institution should be thinking about right now.

Angela Murphy 1.6 CPE/ NASBA 1 HR
Included with Team Membership

About This Course

The GENIUS Act changed the stablecoin conversation from if to when. But most financial institutions have not yet built a shared vocabulary or internal framework for responding. That gap is closing fast fintechs, crypto-native firms, and large bank competitors are already moving. This course gives banking and fintech leaders a practical framework for understanding stablecoins as payments infrastructure, not speculative technology. Attendees will learn what the GENIUS Act actually requires, how stablecoin rails interact with RTP and FedNow, where financial institutions fit in the ecosystem, and what risk and compliance considerations matter most right now.

What You Will Learn

After attending this course, you will be able to:

  • Define a payment stablecoin and distinguish it from other forms of cryptocurrency, as well as identify the two most prominent U.S. stablecoins in the current market
  • Identify the key steps in the stablecoin transaction lifecycle and recognize how this process functions within a financial institution's existing payments infrastructure
  • Recognize the current U.S. regulatory landscape governing payment stablecoins, and identify the key requirements and timelines financial institutions must be aware of
  • Differentiate the roles a financial institution can play in the stablecoin ecosystem and recognize the prerequisite relationship between instant payments infrastructure and stablecoin participation

Topics Covered in This Course

Stablecoins Demystified: What They Are and Are Not

  • A plain-English definition: digital dollars designed to move value, not generate returns
  • Fiat-backed vs. algorithmic vs. commodity-backed: what matters for FIs
  • DLT and blockchain without the jargon
  • What stablecoins are NOT: not speculative crypto, not a CBDC, not a deposit replacement

The Regulatory Landscape: Where Things Stand

  • The GENIUS Act (signed July 2025): permitted issuer categories, reserve requirements, and implementation timeline
  • OCC guidance: reaffirmed activities and technology-neutral approach
  • FDIC proposed rule: approval requirements and governance expectations
  • What the framework means for banks, credit unions, and nonbanks differently

Stablecoins and Instant Payments: Convergence, Not Competition

  • What RTP and FedNow solved, and where they stop short
  • Why programmability and cross-border capability matter to commercial clients
  • Orchestration, not redundancy: how stablecoin rails and fiat rails work together
  • The architecture story: value, data, and logic moving as one

Where Financial Institutions Fit

  • The roles available to FIs: issuer, custodian, wallet provider, fiat on/off-ramp, liquidity manager
  • Why stablecoins increase demand for trusted intermediaries, not the reverse
  • Strategic flexibility: observe, enable, partner, or issue
  • What leading institutions are doing right now: education, pilots, and partner engagement

Risk, Compliance, and Governance

  • BSA/AML and OFAC obligations when touching stablecoins
  • Liquidity and reserve management considerations
  • Third-party and vendor risk in a stablecoin context
  • Operational resilience: wallet-based identifiers, credit-push default, and immutable records

Key Takeaways and Q&A

  • Four things every leader should walk away knowing
  • Sample action steps by institution type
  • How to prepare your board for informed stablecoin conversations

 

Who Should Attend

  • C-suite executives
  • Senior leaders
  • Strategy, product, compliance, and technology decision-makers at banks
  • Credit unions
  • Fintechs who need to understand stablecoins well enough to guide their institutions

Your Instructor

Angela Murphy
Angela Murphy

- Angela Murphy, Ph.D.—widely known as Payments Elsa—is a leading voice at the intersection of faster payments, artificial intelligence, and fintech innovation. With a Ph.D. and years of hands-on experience in B2B payments, solutions integration, and financial technology, Angela bridges the gap between emerging technologies and practical strategy, helping financial institutions transform how money moves.
- A trusted advisor and strategist, Angela works with banks, credit unions, and fintechs to navigate the complexities of real-time payments, behavioral AI, and digital infrastructure modernization. Her work is grounded in deep market insight and a relentless drive to make complex financial concepts clear, actionable, and inclusive—for industry leaders and everyday users alike.
- Angela is a graduate of the PayTech Women Executive Academy and the Money20/20 RiseUp program, and she was named the 2024 Emerging Trendsetter by PayTech Women. She is also a Founding Fellow of Coruzant Technologies and a passionate advocate for diversity, equity, and representation in financial services and technology.
- A dynamic speaker and educator, Angela frequently delivers webinars and guest lectures for institutions such as UC Berkeley, the University of Missouri’s Bloch School of Business, and the Regnier Institute for Entrepreneurship and Innovation. Her thought leadership has been featured across global podcasts and media, including The Payments Podium, Cybersecurity Matters, PCN, Off the Rails, Wrestling Payments, and Versatile Ph.D.

CPE & Accreditation

This course qualifies for 1.6 CPE/ NASBA. Your certificate and transcript are available immediately upon completion.

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CPE/NASBA - QAS Self Study

Noggin Guru, Inc. dba Lorman Education Services and BankersHub is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539.

Please note: You must attend at least 50 minutes to obtain credit. Final CPE approval belongs with each state's regulatory board. Credit is based on a 50-minute credit hour.

For more detailed information about the course, including the outline, content, and objectives, please refer to the 'Description' tab on this webpage.

Field Of Study: Finance
Prerequisite: Basic knowledge of the banking industry, business, or law
Level of Knowledge: Intermediate
Advanced Preparation: None
Delivery Method: QAS Self Study

Requesting CE:
Upon completion of this course, please email creditrequest@nogginguru.com to obtain a CE certificate.

Training your team?

This course is covered under team memberships.

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Buying for yourself?
$ 199
Included with Team Membership
Training your team?

This course is covered under team memberships.

See Team Memberships
$ 199
per attendee