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What Is the Difference between an E-Money License and a Banking Charter for Stablecoins?

E-money licenses permit payments/storage; banking charters impose stricter capital rules but allow broader financial services like lending.
Greeks.Live16.11.25

What Is the Difference between an E-Money License and a Banking Charter for Stablecoins?

An e-money license allows a stablecoin issuer to facilitate electronic payments and store value but typically does not allow them to engage in lending or other banking activities. A banking charter subjects the issuer to stricter capital and liquidity requirements, allowing them to offer a wider range of financial services and potentially reducing the counterparty risk for users.

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