**The United Kingdom Central Bank's New Perspective on Stablecoin Regulation: Different Measures for Individuals and Corporates**

Central financial authorities are showing varied approaches to regulation concerning the growth of digital assets. The latest proposal from the Bank of England, a regulatory framework for the stablecoin market, includes distinct restrictions for individuals and commercial organizations.

**Measures Applied to Individuals and Corporate Communities**

The central bank's planned restrictions are distributed as follows: each individual user can participate in stablecoin transactions up to a maximum of £20,000 ($26,350) in value. The limits for the corporate sector are significantly higher — commercial organizations can conduct transactions up to £10 million ($13.18 million) per coin denomination. Nevertheless, strong exceptions are in place for crypto exchanges, public interest points, and similar entities, taking into account their operational characteristics.

**Temporary Security and Transition Period Mechanism**

According to an official statement from the Bank of England, the provided rules will be implemented "during a transition period" — during which digital currency systems, if integrated into the real economy, will be subject to automatic repeal of the regulations. This implies that the measures are intended as a security institution, and after the economic structure is further strengthened, they may undergo modifications.

**"Systemic" Stablecoins in Pound Sterling — Main Focus Area**

Regulatory authorities primarily work with stablecoins pegged to the nominal value of the pound sterling. These assets are expected to be used in future retail exchanges and cross-border trading operations. Stablecoins used by crypto market participants, for example, for exchanging various cryptocurrencies, are not covered by the regulations provided by the Bank of England.

**Reserve Asset Requirement and Financial Integration**

Organizations producing systemic stablecoins will need to keep up to 60% of their reserve funds in short-term government debt instruments of the United Kingdom. This rule, on one hand, increases confidence in the relevance of the assets, while on the other hand, introduces a series of checks for stablecoin issuers.

**Implementation Plan and Skill Definition**

Sarah Breeden, a senior official for financial stability at the Bank of England, stated that the proposed regulations accept the potential future role of stablecoins in payments. The consultation phase within the regulatory context will end in February; after that, the central bank will analyze all received feedback and implement a plan to issue final codes in 2026.