Stablecoins 101 for Financial Institutions

On Demand Course

Instructor: Angela Murphy

Duration: 1 HR

What You'll Learn

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.

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

Accreditations

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.

About the Author:

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.

On-Demand Course