TLDR - Citi's Stablecoin + Crypto Plans from earnings: - Citi clients want real-time multi-asset, multi-bank, x-border solution w/ compliance, accounting all solved - Citi Looking at 4 areas: ramps (fiat <-> crypto), reserve management, own stablecoin + tokenized deposits - Citi Token Services: will let client move assets from NY -> HK -> UK instantly w/out incremental tx costs of going fiat to digital and back. Will also provide financing and liquidity - On a Zelle style bank consortium w/ BoA + JPM: need Genius Act for regulatory clarity