Among the mufradaat of the Hanafi fiqh is that if the menstruation of a woman stops at 10 days or after, her husband can have sexual intercourse with her before she makes ghusl.
The majority says you cannot until she makes ghusl.
What's interesting is that if we read the first portion of the following Verse with takhfiif
وَلاَ تَقْرَبُوهُنَّ حَتَّىَ يَطْهُرْنَ
Then the stopping of the blood of menstruation is enough for permissibility
If read with tashdiid
وَلاَ تَقْرَبُوهُنَّ حَتَّىَ يَطّهَرْنَ
Then it means that the woman needs to wash the place of menstruation, do Wuduu, or make ghusl.
All the scholars agree that the later portion of the Verse is read with tashdiid
And this supports the view that she must at the very least wash the place, do Wuduu, or make ghusl. This final view of an option between the three is that of Ibn Hazm
معاني القرآن للفراء
Volume 1 Page 143
Volume 2 Page 385