Digital Assets 101: A Credit Union's Guide to Cryptocurrency, Stablecoins, Tokenized Deposits and Central Bank Digital Currency provides a practical introduction to today's digital asset landscape. Rather than focusing on industry hype, the paper explains what these technologies are, how they're being used today and what they could mean for credit unions in the years ahead. It also explores the latest market trends, regulatory developments and strategic considerations to help leaders make informed decisions as digital assets continue to evolve.

TAKEAWAYS

Understand the differences between cryptocurrency, stablecoins, tokenized deposits and central bank digital currencies — and how each could influence the future of financial services.
Learn how recent regulatory developments, including the GENIUS Act, are shaping the digital asset landscape and why credit unions should begin paying closer attention.
Explore the latest consumer and industry trends surrounding digital assets, including adoption, trust, volatility and where demand is gaining momentum.
Discover how stablecoins and tokenized deposits could improve settlement speed, liquidity management, cross-border payments and payment infrastructure.
Learn the key strategic questions credit unions should be asking now — from deposit displacement and operating costs to member expectations and long-term competitiveness.
Gain practical recommendations for preparing your credit union, including building board awareness, aligning compliance teams, evaluating partners and educating members before developing a digital asset strategy.

While many questions remain, one thing is clear: understanding digital assets is becoming a crucial part of strategic planning for credit unions.

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Digital Assets 101 White Paper