Standard Chartered warns that U.S. regional banks are at risk as stablecoins could siphon off $500 billion in deposits by 2028, mainly due to their reliance on net interest margins for revenue. The bank highlights that legislative delays are complicating the situation but expects a resolution by March 2026.

This article discusses a presentation at the Bank of England that examines stablecoins beyond the concept of narrow banking. It focuses on the necessary steps to integrate money and credit within blockchain systems.

John Collison hosts a discussion about stablecoins with experts from the industry. They cover topics like current usage, US dollar dominance, future banking, and potential improvements in blockchain technology. Timestamps highlight key sections of the conversation.

The White House is set to meet with crypto and banking executives to address concerns over stablecoin regulations in a stalled market structure bill. Key issues include proposed limits on interest-bearing features tied to stablecoins, with banks worried about potential impacts on traditional deposits. Both the Blockchain Association and the Crypto Council for Innovation plan to participate in the discussions.

This article argues that the debate between tokenized deposits and stablecoins is misguided. Both serve distinct purposes: tokenized deposits provide banks with a means to offer cheap credit, while stablecoins facilitate fast, unrestricted transactions across borders. The future of finance lies in integrating both systems.

The article discusses the anticipated growth of crypto firms in the banking sector as they seek national charters and integrate blockchain technology. It highlights the development of AI-driven payments and the potential for a significant shift in the financial landscape in 2026.

This article outlines the evolution of fintech over two decades, highlighting the shift from traditional banking to stablecoin-based systems. It argues that stablecoins enable more efficient, cost-effective financial services by eliminating reliance on legacy banks, allowing for the creation of specialized fintechs that can operate without cumbersome intermediaries.

Community bank leaders are urging U.S. senators to address stablecoin loopholes that could divert up to $6.6 trillion from traditional deposits, threatening local lending. JPMorgan, however, sees stablecoins as a complementary financial tool rather than a systemic risk.

U.S. senators introduced a draft bill that bans interest or rewards for holding stablecoin balances while allowing incentives linked to specific activities. This measure aims to address concerns from banks about liquidity risks and competition from crypto firms. Key negotiator Senator Angela Alsobrooks proposed exceptions for rewards tied to transactions or staking.

This article discusses how stablecoins are transforming the banking landscape by making deposits portable and programmable. It traces the evolution of banking from local trust in the 1800s to the current rise of fintechs and stablecoins, highlighting their potential to reshape the financial system.

This article explores the current landscape of stablecoin cards and their impact on traditional banking. It highlights the advantages of crypto neobanks, including better user experiences and higher yields, while also discussing the potential challenges for banks as these cards gain popularity. The piece concludes with insights on how stablecoin cards might evolve in the payments ecosystem.

The article challenges common misconceptions about stablecoins, arguing that their growth could actually increase bank deposits and competition in lending. It highlights that stablecoins are a global phenomenon, benefiting both savers and borrowers while fostering innovation in the financial sector.

This article discusses the concept of "Banking 2.0," which envisions banks operating on blockchain technology instead of traditional systems. It outlines features like multi-currency accounts, automatic conversion to stablecoins, and efficient cross-border payments. The focus is on improving user experience and enabling real-time transactions.

This article discusses recent banking actions involving JP Morgan and crypto startups like Kontigo, highlighting the reasons behind account freezes. It also covers the growing adoption of stablecoins in merchant transactions and the impact of new technologies in the fintech sector.

This article discusses the evolution of banking towards onchain systems that prioritize user experience and cross-border transactions. It outlines features like multi-currency accounts, stablecoins for spending, and real-time payment processing. The focus is on how these innovations could reshape traditional banking.

The FDIC has approved a proposal to set application procedures for banks wanting to issue payment stablecoins under the GENIUS Act. This process will allow state banks to apply for approval to create subsidiaries that can issue these stablecoins, with the FDIC overseeing the application and review process. Public comments on the proposal will be open for 60 days.

The article argues that the stagnant growth of non-USD stablecoins stems from banking regulations, particularly Basel III, which create disincentives for banks to hold non-USD inventories. It highlights the need for decentralized finance (DeFi) solutions to address liquidity issues in non-USD corridors, as traditional banking methods are no longer viable.

This article discusses the rapid emergence of stablecoin neobanks and questions their reliability compared to traditional banks. It highlights the systemic risks these neobanks face due to their dependence on centralized infrastructure, emphasizing the need for robust and reliable systems to gain user trust.

The article explores how stablecoins, once seen as a threat to traditional banks, can actually complement the banking system. Research indicates that stablecoins may push banks to improve their services and efficiency rather than erode deposits. Proper regulation, like the GENIUS Act, can ensure the safety and stability of stablecoin usage.

This article discusses recent events in the banking and stablecoin sectors, including JP Morgan's account freezes for crypto startups and Shift4's new stablecoin settlement options for merchants. It highlights the growth of fintech and the impact of major players like Alipay launching a Euro stablecoin.

Stablecoins have gained significant traction and are poised to become a mainstream financial tool, prompting banks to adapt their strategies to avoid potential deposit flight and the rise of narrow banking. Visa and other companies are innovating in this space, launching products that facilitate global stablecoin payments, while the market anticipates substantial growth in stablecoin supply and usage for transactions. The evolving landscape suggests a critical shift in how financial transactions are conducted, with implications for both consumers and banks.

The passing of the GENIUS Act introduces a regulatory framework for stablecoins, presenting both opportunities and challenges for banks. With major players like JPMorgan planning to launch bank-issued stablecoins, banks must adapt to maintain their relevance and protect their deposit bases from potential displacement by retail and fintech stablecoins. The Act emphasizes regulatory clarity, but also imposes compliance burdens that banks need to navigate strategically.

Palmer Luckey, co-founder of Anduril, is launching a new crypto-focused bank to fill the gap left by the collapse of Silicon Valley Bank. Backed by tech billionaire Joe Lonsdale and Peter Thiel's Founders Fund, the bank aims to be a heavily regulated entity facilitating stablecoin transactions.

Banks should embrace tokenized deposits as a way to compete in the evolving financial landscape, leveraging the benefits of on-chain finance. Tokenized deposits, backed by bank balance sheets, could provide banks with opportunities to offer global, instant payments in an open-loop system, complementing the existing stablecoin market. The article discusses the differences between tokenized deposits and stablecoins, and emphasizes the need for banks to innovate or risk being bypassed by fintech solutions.

Major retailers Walmart and Amazon are exploring the possibility of issuing their own stablecoins, which could allow them to manage their transaction volumes outside the traditional banking system. This move could potentially save these companies billions in transaction fees and disrupt the financial services landscape.

JPMorgan Chase CEO Jamie Dimon expressed skepticism about the appeal of stablecoins but acknowledged the necessity for his bank to engage with the technology. Despite being a critic of cryptocurrencies like bitcoin, Dimon highlighted the importance of exploring stablecoins to remain competitive against fintech companies. Other major banks, such as Citigroup and Bank of America, are also considering their own versions of stablecoins as they seek to enhance payment systems.

The article discusses the significant opportunity stablecoins present for banks, highlighting how regulatory loopholes can lead to innovation and efficiency in the financial sector. It warns that if banks do not embrace stablecoins and tokenization, they risk losing market relevance to fintech companies and larger banks. The piece emphasizes that stablecoins can enhance financial services by providing real-value solutions beyond mere yield incentives.