Ripple Urges SEC to Clarify Rules for Stablecoins and Tokenized Assets

Ripple called on the SEC (U.S. securities regulator) to set clearer standards for stablecoins and tokenized assets, including collateral treatment and recognition of blockchain-based ownership records.

Summary

Ripple said the SEC (U.S. securities regulator) should provide clearer rules for stablecoins and tokenized assets, two areas that are becoming more important as traditional finance and blockchain-based markets converge. The company specifically pushed for a 0% haircut on stablecoins used as collateral, meaning those assets would be valued at full face value rather than discounted for risk, and for onchain records (blockchain-based transaction logs) to be recognized as legal ownership registries. The request highlights key policy questions around how digital assets are treated in regulated markets, especially when they are used for settlement, collateral management, and proof of ownership.

Terms & Concepts
  • Stablecoins: Cryptocurrencies designed to maintain a stable value, usually by being pegged to a fiat currency such as the U.S. dollar.
  • Haircut: A risk discount applied to collateral, reducing the value counted for lending, margin, or other financial purposes.
  • Onchain records: Transaction and ownership data stored on a blockchain, which can serve as an auditable digital record.