{"id":18211,"date":"2025-12-17T23:34:01","date_gmt":"2025-12-17T23:34:01","guid":{"rendered":"https:\/\/bitunikey.com\/news\/moodys-takes-on-stablecoins-new-ratings-spotlight-redemption-risks-not-returns\/"},"modified":"2025-12-17T23:34:08","modified_gmt":"2025-12-17T23:34:08","slug":"moodys-takes-on-stablecoins-new-ratings-spotlight-redemption-risks-not-returns","status":"publish","type":"post","link":"https:\/\/bitunikey.com\/news\/moodys-takes-on-stablecoins-new-ratings-spotlight-redemption-risks-not-returns\/","title":{"rendered":"Moody\u2019s takes on stablecoins: New ratings spotlight redemption risks, not returns"},"content":{"rendered":"<p><\/p>\n<div class=\"post-detail__content blocks\">\n<p class=\"is-style-lead\">Moody\u2019s Ratings is diving into the $300 billion stablecoin market with a new rating system. <\/p>\n<div id=\"cn-block-summary-block_0c5edc511e6927d0383e64eea3cc2f41\" class=\"cn-block-summary\">\n<div class=\"cn-block-summary__nav tabs\">\n        <span class=\"tabs__item is-selected\">Summary<\/span>\n    <\/div>\n<div class=\"cn-block-summary__content\">\n<ul class=\"wp-block-list\">\n<li>Moody\u2019s is proposing a new system to rate stablecoins based on reserve quality, market value risk, and operational safeguards.<\/li>\n<li>The firm aims to provide investors with a clearer picture of redemption reliability.<\/li>\n<li>Ratings would be determined by the \u201cweakest link\u201d in a stablecoin\u2019s reserve pool, factoring in liquidity, governance, regulatory context, and technology risks, while algorithmic stablecoins are excluded.<\/li>\n<\/ul><\/div>\n<\/div>\n<p><!-- .cn-block-summary --><\/p>\n<p>The venerable 116-year-old credit rating firm unveiled a proposal to assess stablecoins like any other deposit: by looking at the quality of reserve assets, market value risk, and operational safeguards. <\/p>\n<p>Public comments are open until Jan. 29.<\/p>\n<h2 class=\"wp-block-heading\">Why it matters<\/h2>\n<p>Stablecoins have been quietly sneaking into banks, corporate treasuries, and payment systems, all while being pegged to the dollar. The U.S. has even passed the Genius Act to regulate them. <\/p>\n<p>Moody\u2019s hopes its ratings can shed light on this \u201cstill evolving and often opaque\u201d market, without inadvertently predicting the next crypto rollercoaster.<\/p>\n<p>According to <a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-12-17\/moody-s-stablecoin-rating-proposal-aims-to-assess-liquidity-risk?srnd=phx-crypto\" target=\"_blank\" rel=\"nofollow\">Bloomberg News<\/a>, Moody\u2019s would evaluate the credit quality of every asset in a stablecoin\u2019s reserve pool, factor in market value, and then take the lowest score (the \u201cweakest link,\u201d or the lowest-rated asset among the token\u2019s reserves).<\/p>\n<p>Liquidity, governance, regulatory context, and tech risks like blockchain forks all factor in. Short-term government securities and cash deposits earn brownie points, while algorithmic stablecoins are excluded.<\/p>\n<p>Notably, stablecoin issuers would have to pay for the assessment. The ratings won\u2019t tell you whether a coin will make you rich\u2014or melt your savings\u2014they\u2019re purely about redemption reliability: can you get your dollars back when you want them?<\/p>\n<p>In the past, Moody\u2019s has examined the efficiency gains from investing in assets such as government bonds through tokenized funds. It also assigned an AA rating to the SGD Delta Fund, the first fund to use Standard Chartered\u2019s SC Ventures Libeara tokenization platform.<\/p>\n<p>    <!-- .cn-block-related-link --><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Moody\u2019s Ratings is diving into the $300 billion stablecoin market with a new rating system. Summary Moody\u2019s is proposing a new system to rate stablecoins based on reserve quality, market&hellip;<\/p>\n","protected":false},"author":1,"featured_media":10995,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency"],"_links":{"self":[{"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/posts\/18211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/comments?post=18211"}],"version-history":[{"count":1,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/posts\/18211\/revisions"}],"predecessor-version":[{"id":18212,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/posts\/18211\/revisions\/18212"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/media\/10995"}],"wp:attachment":[{"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/media?parent=18211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/categories?post=18211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bitunikey.com\/news\/wp-json\/wp\/v2\/tags?post=18211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}