Bank of England Deputy Governor Sarah Breeden tells a London conference on 5 November 2025 that the UK will unveil a proposed stablecoin regime on Monday and aims for it to be “up and running, just as quickly as the US,” while defending planned temporary limits on holdings—reported at £20,000 for individuals and £10 million for businesses. Breeden says the UK’s more cautious stance reflects structural differences in mortgage funding, where UK mortgages are predominantly provided by commercial banks rather than U.S. agencies.

She stresses limits are temporary and designed to protect bank balance sheets and mortgage availability during the transition to wider stablecoin use, adding the caps will be lifted once risks ease; Breeden calls the timing “a fabulous opportunity” for coordinated implementation and downplays concerns that the UK is falling behind the U.S. rollout. The proposed rules are subject to consultation and finalization under U.K. jurisdictional procedures and may include exemptions.

• When and where did Sarah Breeden make these comments? Sarah Breeden spoke at a conference in London on 5 November 2025.
• What temporary stablecoin limits has the BoE proposed for the UK? Reported temporary limits are £20,000 for individuals and £10 million for businesses.
• Why is the UK taking a more cautious approach than the US? The UK’s mortgage market relies on commercial bank lending, increasing sensitivity to stablecoin flows.
• When will the UK stablecoin regime be published and implemented? The BoE will unveil its proposed regime on Monday, with final rules to follow through U.K. regulatory processes.

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