On Tuesday, Citigroup (C) had its second quarter of 2025 earnings call.

During the call, Ebrahim Poonawala, Head of North American Banks Research at BofA Securities, asked how Citi is using stablecoins internally for treasury and global liquidity management and whether their adoption could disrupt the bank’s service revenues.

Citi CEO Jane Fraser said the bank views digital assets as the next step in the broader digitization of finance, echoing the earlier shift brought on by fintech. She emphasized that Citi’s strategy is centered on meeting client demand for seamless, cross-border, multi-bank, always-on solutions with built-in compliance, reporting, and accounting features.

She outlined four key areas Citi is pursuing: stablecoin reserve management, on- and off-ramps between fiat and digital currencies, custodial services for crypto, and tokenized deposits — calling the last of these its most active area.

Fraser confirmed, “We are looking at the issuance of a Citi stablecoin,” but made clear that tokenized deposits currently represent the more immediate focus. She added that these innovations are helping Citi modernize internal operations, unlock new revenue streams, and acquire clients.

Citigroup reported second-quarter 2025 net income of $4.0 billion, or $1.96 per diluted share, up from $3.2 billion, or $1.52 per share, a year earlier. Revenue rose to $21.7 billion, an 8% increase from Q2 2024, driven by growth across all five of the bank’s core businesses.

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