ECB, EU cenbanks seek changes in MiCA’s minimum bank deposit for stablecoins
The European Central Bank and EU national central banks have asked for changes to MiCA’s treatment of stablecoins, including replacing bank-deposit requirements with liquidity thresholds. They also want MiCA’s ban on paying interest on stablecoins extended to crypto lending, borrowing, and staking.
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Stablecoin users and lenders in the EU are the immediate audience for this move, because the requested MiCA changes would affect how reserves are held and how yield products are treated. If adopted, people using stablecoins would face a different liquidity setup than the current bank-deposit approach, and yield products tied to lending, borrowing, or staking would fall under the same restriction as stablecoin interest.
In practice, the proposal would shift MiCA away from a bank-deposit rule for stablecoins and toward a liquidity threshold rule, while also broadening the ban on interest-like returns beyond stablecoins themselves. What stays the same is that the discussion is still about regulatory limits inside MiCA; what changes is which products are inside those limits.
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