2026-01-15 13:29:27

Some industry insiders recently highlighted a thought-provoking figure during the earnings conference: if Congress loosens the interest policy on stablecoins, up to $6 trillion could flow from the traditional banking system into the stablecoin market. This amount is equivalent to approximately 30% to 35% of US commercial bank deposits.

The logic behind this warning is not complicated. Once stablecoins can pay interest, they become competitive with traditional banking products—faster transaction speeds, lower barriers, and 24/7 settlement. For ordinary depositors, if the returns are comparable or even higher, why be restricted by bank operating hours?

From a financial stability perspective, such a large-scale transfer of funds would directly impact banks' deposit bases. Banks rely on deposits for lending and investment; outflows mean reduced credit provisioning capacity, which in turn affects overall economic liquidity. This issue concerns not only individual banks' operations but also the resilience of the financial system.

Of course, this also reflects a reality: the boundaries between traditional finance and crypto assets are becoming blurred. As a bridge connecting the two worlds, the policy direction of stablecoins will be a key variable in changing the flow of funds.

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ReverseTradingGuru

· 01-15 13:59

60 trillion flowing into stablecoins? Banks should be worried haha --- So, once the interest rate policy is relaxed, traditional finance will have to be reshuffled --- That's why veteran crypto enthusiasts have been saying that crypto is the future, and it's not just talk --- Congress is still dragging its feet, people have already wanted to invest in stablecoins --- Wait, what about deposit insurance? The rules haven't caught up yet --- 60 trillion, what a concept. TradFi is really being eroded --- I just want to ask, when can it be relaxed? I'm so anxious --- Bank deposits turning into stablecoins, this trend is undeniably unstoppable --- Still betting on when Congress will shift policy

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OnchainHolmes

· 01-15 13:52

6 trillion? Banks should be trembling, but is it really that simple? The stablecoin revolution is here, and the good days for traditional banks won't last long. Wait, does this logic hold up... Can it really shift 6 trillion overnight? So ultimately, funds flow to where the returns are highest. The traditional banking model has long been due for disruption. If interest rate policies are truly relaxed, TradFi will be completely finished, but will regulators allow it? That's a question mark. However, the reality is that stablecoins are not that attractive yet; most people still don't trust them... The resilience of the financial system being challenged—that's the real issue. Regulators definitely won't sit idly by.

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PretendingSerious

· 01-15 13:50

Trillions of yuan is a scary number, and banks are truly panicking this time If stablecoins had interest, what would traditional banks be playing at This is why Wall Street has been blocking stablecoin policies all along Damn, capital is just afraid of losing control over money At the end of the day, it's just a battle of interests, a transfer of financial power Banks: We can't lose to these on-chain maniacs It's funny because ordinary people have already seen through it, just waiting for policy relaxation Once relaxed, a large-scale bank run on deposits will indeed happen Financial system resilience? Come on, it's already vulnerable now Stablecoins are a warning sign of the end for traditional finance So Congress will probably keep resisting, the real show is still to come

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TokenomicsShaman

· 01-15 13:44

6 trillion yuan flowing into stablecoins? I don't know if banks are panicking, but I sure am haha --- Basically, it's a battle of interest rates. If stablecoins dare to offer yields, traditional finance will be crushed in minutes --- Wait, does this logic really hold up... Who calculated the 6 trillion yuan figure? Seems a bit off --- The era of bridges is coming. If traditional finance doesn't move now, it will truly be revolutionized --- Haha, the limitation of bank operating hours is a hilarious point, indeed ridiculous --- If Congress really opens this door, CeFi stablecoins will be the biggest winners --- I'm a bit worried about the resilience of the financial system being impacted... Could it create new risks again --- So paying interest on stablecoins is a ticking time bomb? Feels like it's only a matter of time --- The key still depends on policy guidance. Let's wait and see --- If this flow really happens, traditional banks will panic and need to reform. The game rules are about to change

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