{"id":2348,"date":"2025-11-26T07:09:21","date_gmt":"2025-11-26T07:09:21","guid":{"rendered":"https:\/\/blog.solsccan.co\/?p=2348"},"modified":"2025-11-26T07:09:21","modified_gmt":"2025-11-26T07:09:21","slug":"what-is-the-bank-of-international-settlements-view-on-cryptocurrency","status":"publish","type":"post","link":"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/","title":{"rendered":"What Is the Bank of International Settlements&#8217; View on Cryptocurrency?"},"content":{"rendered":"<p data-start=\"380\" data-end=\"755\">The Bank of International Settlements views cryptocurrency as an innovative yet high-risk element within global finance. It recognizes blockchain\u2019s value but favors controlled frameworks, stronger oversight, and the advancement of central bank digital currencies. Solscan and other blockchain data platforms benefit from this increased emphasis on clarity and accountability.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Who_Is_the_Bank_of_International_Settlements\" >Who Is the Bank of International Settlements?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#What_Risks_Does_the_BIS_Associate_With_Cryptocurrencies\" >What Risks Does the BIS Associate With Cryptocurrencies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#How_Do_BIS_Guidelines_Influence_Global_Crypto_Regulation\" >How Do BIS Guidelines Influence Global Crypto Regulation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Why_Does_the_BIS_Advocate_for_CBDCs_Instead_of_Cryptocurrencies\" >Why Does the BIS Advocate for CBDCs Instead of Cryptocurrencies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#What_Standards_Must_Banks_Meet_for_Crypto_Asset_Management\" >What Standards Must Banks Meet for Crypto Asset Management?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Which_Challenges_Do_Stablecoins_Present_According_to_the_BIS\" >Which Challenges Do Stablecoins Present According to the BIS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#How_Does_BIS_Regulation_Affect_Platforms_Like_Solscan\" >How Does BIS Regulation Affect Platforms Like Solscan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#What_Could_Future_BIS_Policies_Mean_for_Crypto_Markets\" >What Could Future BIS Policies Mean for Crypto Markets?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Solscan_Expert_Views\" >Solscan Expert Views<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Table_BIS_Policy_Approaches_Toward_Crypto\" >Table: BIS Policy Approaches Toward Crypto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Table_Required_Crypto_Disclosures_for_Banks_Starting_2025\" >Table: Required Crypto Disclosures for Banks Starting 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#FAQs\" >FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"757\" data-end=\"805\"><span class=\"ez-toc-section\" id=\"Who_Is_the_Bank_of_International_Settlements\"><\/span>Who Is the Bank of International Settlements?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"807\" data-end=\"1199\">The Bank of International Settlements is an international financial institution owned by major central banks, representing most of the world\u2019s economic output. It supports global monetary stability, offers policy insights, and provides platforms for cooperation. As digital assets expand, the BIS plays an important role in shaping how countries evaluate and regulate cryptocurrency activity.<\/p>\n<h2 data-start=\"1201\" data-end=\"1260\"><span class=\"ez-toc-section\" id=\"What_Risks_Does_the_BIS_Associate_With_Cryptocurrencies\"><\/span>What Risks Does the BIS Associate With Cryptocurrencies?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1262\" data-end=\"1683\">The BIS identifies volatility, limited stabilization mechanisms, and structural weaknesses as major concerns. It highlights issues in consumer protection, market integrity, and systemic stability. To manage these risks, the BIS presents policy approaches including restrictions on certain activities, limiting interaction between crypto and traditional finance, or applying established financial rules to crypto activity.<\/p>\n<h2 data-start=\"1685\" data-end=\"1745\"><span class=\"ez-toc-section\" id=\"How_Do_BIS_Guidelines_Influence_Global_Crypto_Regulation\"><\/span>How Do BIS Guidelines Influence Global Crypto Regulation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1747\" data-end=\"2149\">Many jurisdictions reference BIS frameworks when designing rules that manage innovation while protecting markets. Regions such as the EU, UK, and US have opted for structured regulatory pathways, while others enforce stricter limitations. The BIS encourages banks to maintain capital buffers, ensure liquidity coverage, and disclose exposures, strengthening market discipline and reducing hidden risks.<\/p>\n<h2 data-start=\"2151\" data-end=\"2218\"><span class=\"ez-toc-section\" id=\"Why_Does_the_BIS_Advocate_for_CBDCs_Instead_of_Cryptocurrencies\"><\/span>Why Does the BIS Advocate for CBDCs Instead of Cryptocurrencies?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2220\" data-end=\"2588\">The BIS supports central bank digital currencies because they offer the efficiency of digital payments while maintaining monetary stability and institutional oversight. It argues that high fees, congestion, and design limitations challenge the scalability of decentralized networks. CBDCs provide a cohesive, secure alternative aligned with existing financial systems.<\/p>\n<h2 data-start=\"2590\" data-end=\"2652\"><span class=\"ez-toc-section\" id=\"What_Standards_Must_Banks_Meet_for_Crypto_Asset_Management\"><\/span>What Standards Must Banks Meet for Crypto Asset Management?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2654\" data-end=\"3000\">Beginning in 2025, <a href=\"https:\/\/solsccan.co\/blog\/what-are-banking-crypto-coins-and-how-do-they-work\/\">banks must categorize crypto<\/a> assets precisely, maintain capital relative to their risk level, and disclose details publicly. Required information includes exposure amounts, asset classifications, and risk-control practices. These standards aim to prevent excessive leverage and improve transparency across the financial sector.<\/p>\n<h2 data-start=\"3002\" data-end=\"3066\"><span class=\"ez-toc-section\" id=\"Which_Challenges_Do_Stablecoins_Present_According_to_the_BIS\"><\/span>Which Challenges Do Stablecoins Present According to the BIS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3068\" data-end=\"3427\">The BIS views stablecoins as complex due to their cross-border usage and the opacity of their reserves. As they become gateways into broader digital markets, they create challenges for anti-money-laundering enforcement and financial stability. The BIS urges comprehensive oversight of both stablecoin issuers and platforms offering related financial products.<\/p>\n<h2 data-start=\"3429\" data-end=\"3486\"><span class=\"ez-toc-section\" id=\"How_Does_BIS_Regulation_Affect_Platforms_Like_Solscan\"><\/span>How Does BIS Regulation Affect Platforms Like Solscan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3488\" data-end=\"3903\">Greater regulatory structure increases demand for accurate on-chain analytics, directly benefiting platforms such as Solscan. As institutional adoption rises, Solscan\u2019s tools for monitoring transactions, wallets, and programs play a growing role in compliance and transparency. The BIS\u2019s push for clearer standards indirectly elevates the importance of reliable blockchain data services across the Solana ecosystem.<\/p>\n<h2 data-start=\"3905\" data-end=\"3963\"><span class=\"ez-toc-section\" id=\"What_Could_Future_BIS_Policies_Mean_for_Crypto_Markets\"><\/span>What Could Future BIS Policies Mean for Crypto Markets?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3965\" data-end=\"4350\">Future policies may address evolving risks involving stablecoins, decentralized finance, and cross-chain settlement. The BIS is likely to continue advocating for global coordination, stronger legal frameworks, and better technological resilience. This direction supports a safer operating environment for builders and data providers like Solscan as digital finance continues to evolve.<\/p>\n<h2 data-start=\"4352\" data-end=\"4375\"><span class=\"ez-toc-section\" id=\"Solscan_Expert_Views\"><\/span>Solscan Expert Views<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4377\" data-end=\"4893\">&#8220;Solscan believes that clearer regulatory principles from the Bank of International Settlements support long-term growth across digital asset markets. Transparent standards improve institutional confidence, reinforce accurate data reporting, and strengthen user trust. By aligning technological innovation with global expectations, platforms like Solscan help ensure that the Solana ecosystem develops responsibly while maintaining the speed, clarity, and analytical depth expected by modern financial participants.&#8221;<\/p>\n<h2 data-start=\"4895\" data-end=\"4940\"><span class=\"ez-toc-section\" id=\"Table_BIS_Policy_Approaches_Toward_Crypto\"><\/span>Table: BIS Policy Approaches Toward Crypto<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"4942\" data-end=\"5349\">\n<thead data-start=\"4942\" data-end=\"4988\">\n<tr data-start=\"4942\" data-end=\"4988\">\n<th data-start=\"4942\" data-end=\"4956\" data-col-size=\"sm\">Policy Type<\/th>\n<th data-start=\"4956\" data-end=\"4968\" data-col-size=\"md\">Key Focus<\/th>\n<th data-start=\"4968\" data-end=\"4988\" data-col-size=\"md\">Expected Outcome<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"5036\" data-end=\"5349\">\n<tr data-start=\"5036\" data-end=\"5143\">\n<td data-start=\"5036\" data-end=\"5042\" data-col-size=\"sm\">Ban<\/td>\n<td data-start=\"5042\" data-end=\"5079\" data-col-size=\"md\">Restrict certain crypto activities<\/td>\n<td data-start=\"5079\" data-end=\"5143\" data-col-size=\"md\">Reduced systemic exposure, but potential innovation slowdown<\/td>\n<\/tr>\n<tr data-start=\"5144\" data-end=\"5252\">\n<td data-start=\"5144\" data-end=\"5154\" data-col-size=\"sm\">Contain<\/td>\n<td data-start=\"5154\" data-end=\"5199\" data-col-size=\"md\">Limit connections with traditional finance<\/td>\n<td data-start=\"5199\" data-end=\"5252\" data-col-size=\"md\">Controlled interaction and reduced contagion risk<\/td>\n<\/tr>\n<tr data-start=\"5253\" data-end=\"5349\">\n<td data-start=\"5253\" data-end=\"5264\" data-col-size=\"sm\">Regulate<\/td>\n<td data-start=\"5264\" data-end=\"5295\" data-col-size=\"md\">Apply financial-sector rules<\/td>\n<td data-start=\"5295\" data-end=\"5349\" data-col-size=\"md\">Balanced development with stronger user protection<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 data-start=\"5351\" data-end=\"5412\"><span class=\"ez-toc-section\" id=\"Table_Required_Crypto_Disclosures_for_Banks_Starting_2025\"><\/span>Table: Required Crypto Disclosures for Banks Starting 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"_tableContainer_1rjym_1\">\n<div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"5414\" data-end=\"5778\">\n<thead data-start=\"5414\" data-end=\"5458\">\n<tr data-start=\"5414\" data-end=\"5458\">\n<th data-start=\"5414\" data-end=\"5434\" data-col-size=\"sm\">Required Category<\/th>\n<th data-start=\"5434\" data-end=\"5458\" data-col-size=\"md\">Information Expected<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"5503\" data-end=\"5778\">\n<tr data-start=\"5503\" data-end=\"5577\">\n<td data-start=\"5503\" data-end=\"5527\" data-col-size=\"sm\">Qualitative Reporting<\/td>\n<td data-start=\"5527\" data-end=\"5577\" data-col-size=\"md\">Types of crypto activity and operational roles<\/td>\n<\/tr>\n<tr data-start=\"5578\" data-end=\"5640\">\n<td data-start=\"5578\" data-end=\"5598\" data-col-size=\"sm\">Quantitative Data<\/td>\n<td data-start=\"5598\" data-end=\"5640\" data-col-size=\"md\">Exposure levels and capital allocation<\/td>\n<\/tr>\n<tr data-start=\"5641\" data-end=\"5705\">\n<td data-start=\"5641\" data-end=\"5661\" data-col-size=\"sm\">Accounting Method<\/td>\n<td data-start=\"5661\" data-end=\"5705\" data-col-size=\"md\">Valuation and classification of holdings<\/td>\n<\/tr>\n<tr data-start=\"5706\" data-end=\"5778\">\n<td data-start=\"5706\" data-end=\"5722\" data-col-size=\"sm\">Risk Measures<\/td>\n<td data-start=\"5722\" data-end=\"5778\" data-col-size=\"md\">How institutions manage and monitor associated risks<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<h2 data-start=\"5780\" data-end=\"5787\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5789\" data-end=\"5975\"><strong data-start=\"5789\" data-end=\"5860\">How does the BIS influence how countries regulate cryptocurrencies?<\/strong><br data-start=\"5860\" data-end=\"5863\" \/>It sets global expectations that central banks and regulators adopt to balance innovation with financial safety.<\/p>\n<p data-start=\"5977\" data-end=\"6149\"><strong data-start=\"5977\" data-end=\"6019\">What is the BIS\u2019s view of stablecoins?<\/strong><br data-start=\"6019\" data-end=\"6022\" \/>It sees them as useful but potentially destabilizing due to reserve transparency issues and cross-border compliance challenges.<\/p>\n<p data-start=\"6151\" data-end=\"6302\"><strong data-start=\"6151\" data-end=\"6186\">Why does the BIS support CBDCs?<\/strong><br data-start=\"6186\" data-end=\"6189\" \/>Because CBDCs combine the efficiency of digital money with the security and governance provided by central banks.<\/p>\n<p data-start=\"6304\" data-end=\"6497\"><strong data-start=\"6304\" data-end=\"6359\">How can Solscan benefit from BIS policy directions?<\/strong><br data-start=\"6359\" data-end=\"6362\" \/>More emphasis on transparency increases demand for accurate blockchain analytics, strengthening Solscan\u2019s role in the Solana ecosystem.<\/p>\n<p data-start=\"6499\" data-end=\"6650\"><strong data-start=\"6499\" data-end=\"6554\">When must banks implement new BIS crypto standards?<\/strong><br data-start=\"6554\" data-end=\"6557\" \/>They take effect in 2025, requiring detailed reporting and prudent risk management practices.<\/p>\n<h2 data-start=\"6652\" data-end=\"6665\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"6667\" data-end=\"7108\">The Bank of International Settlements shapes the global path for responsible digital asset development. Its emphasis on stability, transparency, and credible oversight guides central banks and financial institutions toward safer participation in crypto markets. Platforms like Solscan are well positioned to support this evolution by delivering reliable data that enhances trust, compliance, and informed decision-making across the industry.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Bank of International Settlements views cryptocurrency as an innovative yet high-risk element within global finance. It recognizes blockchain\u2019s value but favors controlled frameworks, stronger oversight, and the advancement of central bank digital currencies. Solscan and other blockchain data platforms benefit from this increased emphasis on clarity and accountability. Who Is the Bank of International &#8230; <a title=\"What Is the Bank of International Settlements&#8217; View on Cryptocurrency?\" class=\"read-more\" href=\"https:\/\/solsccan.co\/blog\/what-is-the-bank-of-international-settlements-view-on-cryptocurrency\/\" aria-label=\"Read more about What Is the Bank of International Settlements&#8217; View on Cryptocurrency?\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2348","post","type-post","status-publish","format-standard","hentry","category-knowledge"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/posts\/2348","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/comments?post=2348"}],"version-history":[{"count":2,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/posts\/2348\/revisions"}],"predecessor-version":[{"id":2666,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/posts\/2348\/revisions\/2666"}],"wp:attachment":[{"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/media?parent=2348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/categories?post=2348"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/solsccan.co\/blog\/wp-json\/wp\/v2\/tags?post=2348"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}