Stablecoins Need Banks: The “Banking Layer” Nobody Sees w/ Jacqueline Reses (Lead Bank) Presented by Stablecon; Powered by BVNK. In episode 15 of Money Code, hosts Chuk Okpolugo and Raj Parekh are joined by Jackie Reses, Chair and CEO at Lead Bank. They break down why stablecoin payments quietly depend on banks as regulated “plumbing,” how compliance automation becomes a product advantage, and why the biggest second-order risk of stablecoin growth may be destabilizing community-bank deposit bases before local credit creation has a replacement.