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<p>US banks now have a final federal rulebook for stablecoins, and Quant Network is positioning itself as the connective layer between that new framework and the payment systems banks already use. <a href="https://x.com/quantnetwork" rel="noopener noreferrer nofollow">@quantnetwork</a>, the firm behind <a href="https://x.com/search?q=%24QNT&amp;src=cashtag_click" rel="noopener noreferrer nofollow">$QNT</a>, expects many US lenders to weigh stablecoins, tokenized deposits, or both.</p>
<h2 id="what-the-occ-rule-changes-for-banks">What the OCC rule changes for banks</h2>
<p>The Office of the Comptroller of the Currency finalized its rules implementing the GENIUS Act, becoming the first federal regulator to complete the stablecoin framework Congress passed in July 2025. The rule takes effect January 18, 2027. It sets federal standards for payment stablecoin issuers covering reserve backing, redemptions, capital, custody, audits and risk management.</p>
<p>The rule does not settle every question. It bans direct yield payments to customers from stablecoin issuers, but the OCC said it would evaluate third-party yield arrangements case by case. Rules on the Bank Secrecy Act, anti-money laundering and OFAC sanctions will come in a separate rulemaking coordinated with the US Treasury.</p>
<p>Tokenized deposits take a different route. They are regular bank balances moved onto a blockchain, and they sit outside the law's stablecoin definition. Unlike a central bank digital currency, tokenized deposits remain liabilities of the issuing commercial bank. Quant's argument is that either path, stablecoins or tokenized deposits, still needs links to existing payment systems.</p>
<h2 id="quant-s-bank-footprint-in-the-us-and-uk">Quant's bank footprint in the US and UK</h2>
<p>In September, <a href="https://x.com/TCHtweets" rel="noopener noreferrer nofollow">@TCHtweets</a>, owned by some of the largest US banks, chose Quant to run its tokenized deposit network. The Clearing House selected Quant to provide the interoperability, orchestration and transaction-management layer for a network that clears and settles tokenized deposits and connects to the RTP and CHIPS payment networks. The network is due to open in the first half of 2027, according to Quant. Quant's role covers the coordination layer rather than the issuance of deposits themselves.</p>
<p>The same week in the UK, UK Finance announced the first live customer transactions using tokenized sterling deposits on a platform that Quant developed for Barclays, HSBC UK, Lloyds Banking Group, Monzo, Nationwide, NatWest and Santander.</p>
<p>Kraken's research page adds a caveat worth noting: selection as a technology provider is different from network-scale volume, and The Clearing House network is not yet live. The OCC rule gives US banks clarity on stablecoins, but how much of that demand flows to Quant's infrastructure will depend on which route banks choose and how fast they build.</p>
<h2 id="sources">Sources</h2>
<p><a href="https://bitcoinmagazine.com/news/occ-finalizes-genius-act-stablecoin-rules" rel="noopener noreferrer nofollow">Bitcoin Magazine: OCC finalizes GENIUS Act stablecoin rules</a></p>
<p><a href="https://finance.yahoo.com/markets/crypto/articles/occ-issues-final-rule-stablecoin-190500775.html" rel="noopener noreferrer nofollow">Yahoo Finance: OCC issues final rule on stablecoin framework</a></p>
<p><a href="https://www.kraken.com/learn/what-is-quant-qnt" rel="noopener noreferrer nofollow">Kraken Learn: What is Quant (QNT)?</a></p>

US banks have stablecoin rules now, and Quant Network wants in

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