“The Frontier Is Open”: Stephen Curry on Deregulation, Digital Assets and the Future of Banking

The founder of Endurance Advisory Partners shares why 2025 feels like a tipping point for innovation and why banks must rethink everything. We also share a refresher course on nontraditional charters.

Hello, Bank Slaters!

We hope everyone had a great Fourth of July weekend — whether you were grilling, traveling, catching fireworks, or just enjoying a slower pace.

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As the summer rolls on, we’re back with a packed issue: An in-depth Q&A with Stephen Curry at Endurance Advisory Partners, a look at the latest in capital raising, and a roundup of headlines from the past week.

Let’s get into it.

Stephen Curry’s career spans some of the most turbulent and transformative chapters in modern banking — from the Texas banking crisis of the 1980s to the front lines of bank consolidation in New York and Boston. After over 25 years in senior banking roles, he founded Endurance Advisory Partners, where for the last 15 years he has advised banks and financial firms on navigating transformation. Endurance helps banks navigate today’s rapidly evolving landscape through tailored strategies and risk management.

In our recent conversation, we dug into why 2025 feels like a tipping point. Curry shares his views on deregulation, AI, stablecoins, and the regulatory vacuum many banks now find themselves operating in. As he puts it, the new administration’s approach has opened the frontier — but absent clear guardrails, institutions are being left to chart their own course by balancing speed with safety.