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169 EpisodesProduced by Laura ShinWebsite

Events in crypto take place at warp speed. This weekly crypto podcast reveals how the marquee names in crypto are reacting to the week’s top headlines. With host Laura Shin, the guests also discuss what they’re thinking about these days and reveal what they believe is on the horizon in crypto. Discl… read more


Why Rohan Grey Believes Stablecoin Issuers Need to Be Banks - Ep.155

Rohan Grey, assistant professor at Willamette Law, talks about the STABLE Act, which would require stable coin issuers to obtain a banking charter, require approval from the Federal Reserve and require issuers to have FDIC insurance. In this episode, Grey, an advisor to the bill, discusses:

  • how the past history of financial innovation and events that have posed systemic risks necessitates the STABLE Act
  • how he, not being a staff member of Congress, became involved in the bill 
  • how the bill would prevent stablecoin issuers from committing crimes that banks have perpetrated by requiring them to become banks
  • why he believes open source smart contracts enforcing rules and public audit-able blockchains are not a fundamentally new way to prevent the type of events that pose systemic risks that the STABLE Act aims to prevent
  • why existing regulatory and licensing regimes are insufficient
  • how he would answer people from countries like Argentina who have had their currency devalued by their government the STABLE Act, and who might say this bill exposes them to a different type of risk
  • how much the rollout of Facebook's Diem, as opposed to existing stablecoins such as Tether, USDC or Dai, was a motivation for this bill
  • whether, by focusing narrowly on systemic risk, this bill could squash crypto and fintech innovation that could help the un- and under-banked
  • whether he sees any path forward for this bill to be passed


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Episode links:

Rohan Grey:



Introduction of bill:


Implications of the bill for running an Ethereum node:


Rohan Grey and Jeremy Allaire interviews on The Block Live:


Unchained interview with acting Comptroller of the Currency Brian Brooks:


Link to the Crypto News Recap:


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