I dont think the stablecoin issuers will be given a chance to go the credit union route. Those entities are set up differently. It is the regulators who are going to force the likes of Circle to follow the banking regulation.
Personally, I dont think they will have a choice in the matter.
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Probably not for the existing ones, but what about new ones that pop up after the fact? Fun fact, we actually have places that put billboards on the side of the highway letting people know their weed money is safe with them!