On Demand Course

Stablecoins vs. Instant Payments: Convergence Not Competition

Build confidence navigating stablecoins and the future of payments.

Learning Objectives

After attending this course, you will be able to:

  • Distinguish a fiat-backed (dollar-backed) stablecoin from other stablecoin types and from cryptocurrency, and describe how a stablecoin moves through the tokenize, transfer, and redeem process
  • Describe the benefits stablecoins offer over traditional payment rails, and summarize the GENIUS Act's core provisions and regulatory timeline
  • Explain why the RTP network and the FedNow Service are a prerequisite for a stablecoin strategy, and identify what instant payments do and do not solve for financial institutions
  • Identify the ways a financial institution can participate in the stablecoin ecosystem and the strategic steps involved in developing a combined instant payments and stablecoin strategy
Angela Murphy 1.4 CPE/ NASBA 1 HR
Included with Team Membership

About This Course

Stablecoin activity is accelerating. Legislative momentum is building. Major payment networks, fintechs, and large financial institutions are already placing bets. For community and regional banks and credit unions, the window to form a thoughtful, informed position is narrowing. This course cuts through the noise and gives banking leaders a grounded framework for evaluating stablecoins in the context of what they are already building on instant payment rails. Attendees will leave with greater confidence in how to talk about stablecoins internally, how to assess where they create competitive pressure or partnership opportunity, and how to keep your institution positioned for a payments landscape that is converging faster than most roadmaps anticipated.

Topics covered in this course

  • The New Payments Landscape
  • Stablecoins vs. Instant Payments: False Choice or Strategic Pairing?
  • How Value Actually Moves
  • Where Competitive Pressure Is Emerging
  • Partnership & Product Opportunities
  • Strategic Questions for Banking Leaders
  • What Belongs in a Modern Payments Strategy — and What Doesn’t

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 1.4 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: Specialized Knowledge
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?
$ 99
Included with Team Membership
Training your team?

This course is covered under team memberships.

See Team Memberships
$ 99
per attendee