Everyone talks about stablecoins as technology. But building one that's regulator-ready from day one? That's product work at the intersection of finance, compliance, and engineering.
Over the last months, I've been designing and documenting a complete Stablecoin Implementation Framework - turning regulation and operational complexity into a repeatable product process.
Here's the structure I follow 👇
Phase 1 - 🎯 DefineÂ
Clarify why the product should exist.
- Decide the use cases (payments, merchant settlement, remittances).
- Choose the currency pair (GBP, EUR) and legal domicile.
- Map the FCA permissions required - issuing, safeguarding, custody. Before a single line of code, the product must already fit within a regulatory perimeter.
Phase 2 - 🧠IdeateÂ
Translate compliance into experience.
- Design flows for mint → send → redeem that feel as simple as fintech, not as heavy as finance.
- Model token economics, pricing, and limits. Every concept must make sense to both the user and the regulator.
Phase 3 - ⚙️ PrototypeÂ
Prove the logic before touching mainnet.
- Simulate mint/burn orchestration off-chain.
- Run early KYC/KYB and reconciliation tests.
- Make sure every transaction is verifiable, reversible, and transparent. If it breaks here, it's far cheaper than breaking under supervision.
Phase 4 - 🏗️BuildÂ
Turn architecture into infrastructure.
- Develop smart contracts, mint/burn engine, custody integrations, and treasury dashboards.
- Embed AML/KYT tools, automate reporting, and connect ISO 20022 banking rails. The output is not just a system - it's an auditable, controlled environment regulators can trust.
Phase 5 - 👨‍🚀 PilotÂ
Validate under real-world pressure.
- Run a closed pilot with selected partners.
- Stress-test liquidity, compliance workflows, and incident playbooks.
- Document everything - regulators respect evidence more than ambition.
Phase 6 - 🚀 Launch & OperateÂ
Go live - but stay governed.
- Maintain proof-of-reserves, merchant onboarding, and 24/7 monitoring.
- Audit monthly, review quarterly, evolve continuously. A stablecoin isn't "done"; it's a living financial product with ongoing accountability.
👉 Building a compliant stablecoin is not about blockchain first. It's about alignment - between product, treasury, compliance, and regulation. When those move in sync, trust becomes your product advantage.
🎥 Over the next few weeks, I'll be releasing short videos breaking down each phase - practical insights, tool stacks, and what to expect at every stage.
đź’¬ I'd love to hear which part you're closest to: Are you handling product, compliance, finance, or tech?
Comment below 👇 - and follow to get notified when the first short drops.
#fintech #stablecoin #productmanagement #regtech #digitalcurrency #fintechstrategy #financialinnovation
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