Becky Reed

The Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act is on the horizon, poised to significantly alter how Americans conduct financial transactions. For credit unions, this legislation could fundamentally reshape member interactions, impacting how they pay, save, and engage with their financial institutions. Central to the Act is the formal recognition of stablecoins—digital tokens backed 1:1 by fiat currency—as legitimate payment tools.

The Q&A session during Alacriti’s webinar, Maximizing Growth and Member Engagement With Instant Payments, featuring Keith Gray, Vice President of Strategic Partnerships at The Clearing House, and Mark Majeske, SVP of Faster Payments at Alacriti, offered practical insights into pressing concerns surrounding instant payments.

In the world of finance, 2025 is shaping up to be a year of monumental change. Traditional payment rails—the backbone of how money moves through economies—are poised for a significant shake-up as new technologies, regulations, and consumer preferences converge to rewrite the rules of payments. For credit unions, staying ahead of these changes is critical to remaining relevant and competitive.