The Bank for International Settlements (BIS) has strongly criticized stablecoins, saying that they do not meet the main requirements of a full-fledged monetary system. These digital assets are not backed by central banks, are vulnerable to illegal activity, and lack the flexibility needed to boost economic growth. The BIS annual report for 2025 highlights that stablecoins do not meet three key criteria: uniformity of money, elasticity of money supply, and financial transparency. Instead of private digital currencies, BIS offers a tokenized deposit platform based on cooperation between central and commercial banks. This approach, according to the organization, can reduce costs and speed up cross-border payments without losing control. The Agora project is already being tested with the participation of seven central banks and 43 financial institutions. Currently, there are about $250 billion in stablecoins circulating in the world, most of which are pegged to the US dollar. The popularity of assets such as Tether (USDT) and USDC from Circle is growing due to the reduction of barriers in the crypto industry and initiatives supporting the development of digital currencies in the United States.
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