In Credit Union Times, Jason Noto, Payments Counsel at Polsinelli P.C., examines the operational and legal preparation credit unions need before adopting stablecoin payment infrastructure.
His analysis considers how continuously operating payment networks connect with institutions whose internal systems still follow traditional banking schedules. Faster transactions bring new demands on reconciliation, treasury operations and the consistency of financial records.
Noto also explores settlement finality and provider accountability. Fraud controls, incident response and responsibility for losses need to be reflected in both operating arrangements and contracts. Technical integration alone cannot resolve these questions.
The article offers credit union leaders a practical framework for evaluating new payment capabilities alongside their institution’s readiness, governance and obligations to members.
Original article by Jason Noto, published in Credit Union Times on July 27, 2026.