{"id":157735,"date":"2026-03-24T21:00:00","date_gmt":"2026-03-24T21:00:00","guid":{"rendered":"https:\/\/cryptonews.com\/br\/noticias\/delaware-se-move-para-regular-stablecoins-sob-estrutura-bancaria\/"},"modified":"2026-03-24T21:30:42","modified_gmt":"2026-03-24T21:30:42","slug":"delaware-se-move-para-regular-stablecoins-sob-estrutura-bancaria","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/br\/noticias\/delaware-se-move-para-regular-stablecoins-sob-estrutura-bancaria\/","title":{"rendered":"Delaware se move para regular stablecoins sob estrutura banc\u00e1ria"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"585\" src=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-1024x585.webp\" alt=\"\" class=\"wp-image-157734\" srcset=\"https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-1024x585.webp 1024w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-300x171.webp 300w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-768x439.webp 768w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-1536x878.webp 1536w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144-450x257.webp 450w, https:\/\/cimg.co\/wp-content\/uploads\/sites\/13\/2026\/03\/24185922\/featured-image-144.webp 1792w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/figure><p class=\"wp-block-paragraph\">Delaware est\u00e1 reformulando seu c\u00f3digo banc\u00e1rio pela primeira vez desde 1981 para capturar o mercado regulamentado de stablecoins. Outrora um centro de registro corporativo l\u00edder mundial, ser\u00e1 o setor de cripto de Delaware a pr\u00f3xima grande tend\u00eancia?<\/p><p class=\"wp-block-paragraph\">O Projeto de Lei do Senado 19, apresentado na segunda-feira, prop\u00f5e um regime de licenciamento sob medida que trata os emissores de stablecoins menos como startups de tecnologia e mais como institui\u00e7\u00f5es financeiras sob a supervis\u00e3o direta do Comiss\u00e1rio Banc\u00e1rio do Estado.<\/p><p class=\"wp-block-paragraph\">Esta \u00e9 uma contraofensiva estrat\u00e9gica. Ap\u00f3s perder grandes players do setor, como a Coinbase, para o Texas no ano passado, Delaware est\u00e1 aproveitando seu status de capital mundial de incorpora\u00e7\u00e3o para estabelecer um novo padr\u00e3o para ativos digitais. A mensagem para o mercado \u00e9 clara: o estado n\u00e3o depende mais de uma amigabilidade corporativa passiva; ele est\u00e1 construindo uma infraestrutura regulat\u00f3ria ativa.<\/p><div class=\"su-note\" style=\"border: 1px solid #e0d5e5;border-radius: 5px;margin: 20px 0;background-color: #faefff;color: #333333;padding: 20px\"><strong>Principais conclus\u00f5es:<\/strong>\n<ul>\n<li><strong>Escopo Legislativo:<\/strong> O Projeto de Lei do Senado 19 cria uma estrutura de licenciamento espec\u00edfica para emissores sob o Delaware Payment Stablecoin Act.<\/li>\n<li><strong>Fric\u00e7\u00e3o de Mercado:<\/strong> A medida visa reverter o \u00eaxodo de empresas cripto desencadeado pela insatisfa\u00e7\u00e3o com o Tribunal de Chancelaria.<\/li>\n<li><strong>Alinhamento Federal:<\/strong> As defini\u00e7\u00f5es no projeto de lei espelham a lei federal GENIUS Act para garantir compatibilidade regulat\u00f3ria futura.<\/li>\n<\/ul>\n<\/div><h2 class=\"wp-block-heading\">Como funciona o Delaware Payment Stablecoin Act<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">O Projeto de Lei do Senado 19 n\u00e3o \u00e9 simb\u00f3lico. \u00c9 uma estrutura banc\u00e1ria.<\/p><p class=\"wp-block-paragraph\">Colocar os emissores de stablecoins sob o Comiss\u00e1rio Banc\u00e1rio do Estado significa auditoria rigorosa de reservas e padr\u00f5es de solv\u00eancia. Esta n\u00e3o \u00e9 mais uma zona cinzenta das leis de transmiss\u00e3o de dinheiro. \u00c9 uma infraestrutura de n\u00edvel institucional com poder real de fiscaliza\u00e7\u00e3o.<\/p><p class=\"wp-block-paragraph\">O projeto adota explicitamente a linguagem da lei federal GENIUS Act. Isso \u00e9 deliberado. Os emissores licenciados em Delaware n\u00e3o enfrentar\u00e3o obsolesc\u00eancia quando Washington finalizar as diretrizes federais. As estruturas foram projetadas para se alinharem.<\/p><figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">\ud83d\udea8NEW: DELAWARE BILL MANDATES 1:1 RESERVES FOR STABLECOIN ISSUERS<br><br>Delaware has unveiled new legislation to regulate stablecoins. The bill places issuers under a state banking structure.<br><br>The proposed law requires full reserve backing. Each issued stablecoin must be matched\u2026 <a href=\"https:\/\/t.co\/IaZ2AkG5ZF\">pic.twitter.com\/IaZ2AkG5ZF<\/a><\/p>&mdash; BSCN (@BSCNews) <a href=\"https:\/\/twitter.com\/BSCNews\/status\/2036328156131475931?ref_src=twsrc%5Etfw\">March 24, 2026<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure><p class=\"wp-block-paragraph\">A bifurca\u00e7\u00e3o \u00e9 clara. Ou voc\u00ea \u00e9 um emissor licenciado de n\u00edvel banc\u00e1rio em Delaware, ou est\u00e1 operando no deserto regulat\u00f3rio. Essa distin\u00e7\u00e3o \u00e9 exatamente o que os investidores institucionais precisam para come\u00e7ar a manter grandes saldos em stablecoins com confian\u00e7a.<\/p><p class=\"wp-block-paragraph\">A pol\u00edtica por tr\u00e1s do projeto tamb\u00e9m importa. A Coinbase se reincorporou no Texas no ano passado devido a problemas com o Tribunal de Chancelaria de Delaware. A administra\u00e7\u00e3o do governador Matt Meyer est\u00e1 usando este projeto para estancar a sangria. Um ambiente regulat\u00f3rio sob medida \u00e9 a aposta de Delaware para recuperar os empregos e as receitas fiscais que vem perdendo.<\/p><p class=\"wp-block-paragraph\">As implica\u00e7\u00f5es de liquidez s\u00e3o diretas. Stablecoins em conformidade e fretadas pelo estado carregam menos risco de contraparte. Se as stablecoins licenciadas em Delaware passarem a ser tratadas como garantias mais limpas, os protocolos DeFi e as exchanges come\u00e7ar\u00e3o a prioriz\u00e1-las em detrimento de alternativas offshore. Historicamente, a clareza regulat\u00f3ria precede a expans\u00e3o da liquidez.<\/p><p class=\"wp-block-paragraph\">Mas a barreira de entrada aumenta com isso. A linguagem da estrutura banc\u00e1ria significa requisitos de capital que eliminar\u00e3o projetos menores, algor\u00edtmicos e subcolateralizados. Circle e Paxos se beneficiam. Todos os outros s\u00e3o pressionados.<\/p><p class=\"wp-block-paragraph\">O mercado de stablecoins j\u00e1 tendia para o modelo onde o vencedor leva tudo. Delaware acabou de acelerar esse processo.<\/p><h2 class=\"wp-block-heading\">Ambi\u00e7\u00f5es de Cripto em Delaware: A\u00e7\u00e3o Estadual se Antecipa ao Impasse Federal<\/h2><span class=\"replacer\"><\/span><p class=\"wp-block-paragraph\">Delaware est\u00e1 capitalizando em cima de um v\u00e1cuo de poder federal. Enquanto o <a href=\"https:\/\/cryptonews.com\/news\/trumps-sec-overhaul-fuels-oversight-conflict-debate\/\" target=\"_blank\" rel=\"noreferrer noopener\">conflito sobre a supervis\u00e3o da SEC<\/a> continua a paralisar uma legisla\u00e7\u00e3o nacional abrangente, os estados est\u00e3o se movendo para capturar o mercado. Ao alinhar suas defini\u00e7\u00f5es com o proposto GENIUS Act agora, Delaware est\u00e1 posicionando sua licen\u00e7a para potencialmente servir como um passaporte sob futuros regimes federais.<\/p><p class=\"wp-block-paragraph\">Isso cria press\u00e3o sobre o Congresso. Se Delaware estabelecer uma estrutura banc\u00e1ria funcional e de alto volume para stablecoins, estabelecer\u00e1 um padr\u00e3o nacional de fato.<\/p><figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/cimg.co\/p\/no_image.svg\" alt=\"\" class=\"wp-image-491404 lazyload\" data-src=\"https:\/\/cimg.co\/wp-content\/uploads\/2026\/03\/24111439\/image-201-788x1024.png\" data-srcset=\"\"><\/figure><p class=\"wp-block-paragraph\">O <a href=\"https:\/\/senatedems.delaware.gov\/2026\/03\/23\/mantzavinos-bush-introduce-banking-modernization-legislation\/\" target=\"_blank\" rel=\"noreferrer noopener\">declarado oficial dos Democratas do Senado<\/a> enfatiza a &#8220;democratiza\u00e7\u00e3o dos servi\u00e7os financeiros&#8221;, mas o subtexto \u00e9 a arbitragem regulat\u00f3ria. Delaware quer ser a jurisdi\u00e7\u00e3o que define como deve ser um d\u00f3lar digital em conformidade antes que o Federal Reserve o fa\u00e7a.<\/p><p class=\"wp-block-paragraph\">Delaware construiu seu legado no direito corporativo. Agora, aposta que pode construir a mesma barreira de prote\u00e7\u00e3o em torno dos d\u00f3lares digitais. O estado n\u00e3o est\u00e1 esperando pela permiss\u00e3o de Washington; ele mesmo est\u00e1 escrevendo o livro de regras.<\/p>","protected":false},"excerpt":{"rendered":"<p>Delaware se move para regular stablecoins sob a lei banc\u00e1ria<\/p>\n","protected":false},"author":780,"featured_media":157734,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[94,2290],"editores":[534],"sponsored_companies":[],"class_list":["post-157735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-regulamentacao","tag-stableccoins","editores-cryptonews"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Delaware se move para regular stablecoins sob estrutura banc\u00e1ria<\/title>\n<meta name=\"description\" content=\"Delaware se move 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