FL H1415

Establishes the Florida Stablecoin Pilot Program within the Department of Financial Services, allowing voluntary acceptance of payment stablecoins for governmental fees such as licensing, registration, certification, and application fees.

Requires approved payment stablecoins to have at least $1 billion average market capitalization, be fully backed one-to-one by U.S. currency or Treasury bills with 93 days or less maturity, and be issued by permitted federal or state-qualified issuers under the GENIUS Act framework.

Authorizes the department to issue refunds and disbursements in stablecoin form to participants who elect to receive them, and to hold stablecoins only in amounts needed for a rolling 30-day disbursement period if they do not earn interest.

Mandates annual reporting to the Governor and Legislature beginning February 1, 2027, covering transaction volume, cost savings, security incidents, fraud cases, and recommendations for program expansion or termination.

Requires coordination with the Office of Financial Regulation for examinations of state-qualified stablecoin issuers and gives preference to Florida-approved issuers when designating stablecoins for the program.