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Digital Assets
Digital assets are becoming a more frequent topic across financial services, including stablecoins, tokenized deposits, blockchain, and emerging payment technologies. Community financial institutions are evaluating how these developments may relate to deposits, payments, compliance, governance, and risk management.
Resources available on this page:
Resources available on this page:
- Download the Digital Assets FAQ
- Explore the Banker’s Guide to Digital Asset Terms
- Browse the articles and educational resources below covering topics on stablecoins, tokenized deposits, regulation, governance, and digital asset developments
Podcasts
NOW LIVE! Sheila Noll, PCBB’s Chief Operating Officer, talks with Patrick Gerhart, President of Telcoin Digital Asset Bank, about why digital assets and regulated stablecoins are becoming too big for community financial institutions to ignore. As more customers move money into crypto exchanges and fintech apps, Sheila and Patrick unpack what is at stake for CFIs in terms of deposits, liquidity, and long-term customer relationships.
PCBB President Mike Dohren shares 2026 predictions for community banks — covering profitability, customer engagement, AI, cyber risk, stablecoin, and faster payments — along with practical guidance on data strategy, culture, and targeted digital transformation.
Podcast about the different types of digital assets, current regulation as well as thoughts on what could be next. We also explore blockchain technology with a look at current and potential uses related to banking.
As blockchain-based payment networks expand, soft switching may be entering a new phase. We explore how CFIs can spot this trend and what they can do about it.
A growing number of CFIs are beginning to explore the digital asset space, with a focus less on speculation and more on practical use cases. We take a look at what some of your peers are doing in this area.
Tokenized deposits keep lending and credit creation inside banks while delivering 24/7, blockchain‑based payments; learn how they differ from stablecoins and what evolving 2026 regulation means for community banks.
"Tokenized deposits" and "stablecoins" often get used interchangeably, but they're not the same thing. Here's the practical comparison CFIs need.
As the financial industry gears up to offer stablecoins, we discuss regulatory standards, risk management practices, and practical steps for CFIs to start exploring stablecoins.
Stablecoin is a hot topic this year, especially since the GENIUS Act passed. We discuss stablecoin’s impact on deposits and payments, as well as CFIs’ role in shaping new guidance.
Recent regulatory changes have cleared the way for financial institutions to delve into crypto. We outline the latest developments and safe strategies for CFIs to start exploring crypto offerings.
While the number of fraud complaints related to cryptocurrency schemes is still small compared to all complaints, the dollar losses have skyrocketed, eclipsing all other types of financial fraud losses.
Central banks are working to make CBDCs and stablecoins a reality. From access to transparency and security measures to technology issues, we review the benefits and the challenges that CBDCs pose.