Sony’nin USD Destekli Stabilcoin Başvurusu ve ABD Pazarındaki Genişleme

Sony Bank, Sony’s financial operations division, is planning to launch a GeniUS-regulated stablecoin in the United States, pegged to USD, within the 2026 fiscal year. This step will be used in gaming and anime industries with a 1:1 USD peg for payments and aims to offer alternatives to credit card payments in subscriptions. Thus, significant savings could be achieved in fees paid to credit card companies.

Stablecoin’s launch drew attention with Sony’s application to establish an OCC-regulated crypto bank in the US. The final decision will play a critical role in whether this application, aimed at creating an independent crypto bank called Connectia Trust, will be subject to the entire US banking regulation.

In this process, independent banking organizations and other stakeholders criticized Sony Bank’s model, suggesting it could surpass the scope of traditional safe banking and blur the lines between commerce and banking. ICBA argues that if the application is approved, the historical distinction between banking and commerce will weaken, creating a situation unfavorable to local community banks.

*A development that attracts public attention* is the potential impact of stablecoins on international finance and US economic stability. According to DeFiLlama data, the combined market value of the two largest USD-pegged stablecoins, USDT and USDC, reaches $260 billion, and as of today, the total stablecoin market value exceeds $306 billion. There are also warnings in Basel reports that flows from emerging markets to stablecoins could surpass $1 trillion by 2028; this indicates that the rapidly growing digital economy section is providing a suitable ground for Sony’s entry.