Several major U.S. retailers, including Walmart (NYSE:WMT) and Amazon (NASDAQ:AMZN), are reportedly evaluating the potential to issue their own stablecoins—a move that could shift billions in transactions away from conventional banking systems and significantly reduce processing fees.

A report from The Wall Street Journal indicates that both retail powerhouses have explored launching proprietary digital currencies in the U.S. to streamline payments. Other companies, such as Expedia Group (NASDAQ:EXPE) and various major airlines, are said to be considering similar strategies.

Should Amazon or Walmart move forward with alternative payment systems that operate independently of traditional banks, it would likely trigger serious concern across the financial sector, the report noted.

Stablecoins, which are digital tokens pegged to fiat currencies like the U.S. dollar, are typically backed by cash or highly liquid assets such as U.S. Treasuries. These coins are primarily used for storing value and facilitating crypto-related transactions, but their adoption in mainstream retail could reshape how consumer payments are processed.

Any decision by these companies to issue their own stablecoins may hinge on the fate of the Genius Act—proposed legislation aiming to create a regulatory structure for stablecoins. The bill has recently cleared a key procedural stage but still requires passage by both the Senate and the House before it can become law.

If the regulatory environment evolves favorably, the retail sector’s involvement in digital currency issuance could mark a significant shift in how businesses manage payments and interact with the financial system.

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