2026-01-15 19:51:25

Senior executives at major U.S. banks recently stated that approximately $6 trillion in bank deposits (equivalent to 30-35% of total U.S. banking deposits) may face the risk of shifting to stablecoins.

This figure seems quite alarming. If a large-scale transfer actually occurs, the available capital in the traditional banking system would be significantly reduced. Banks use these deposits to lend and support economic operations. Once this portion of funds flows into the stablecoin ecosystem, the entire traditional financial funding chain will inevitably face pressure.

From another perspective, this also reflects the increasing recognition of stablecoins as a store of value and a medium of exchange in the market. People are gradually realizing the advantages of stablecoins in cross-border payments, 24-hour liquidity, and cost efficiency. As Web3 infrastructure improves, such transfers are not impossible.

For the banking industry, this is both a challenge and a signal. Either adapt to this change or be market-driven. How traditional finance responds to the competition from stablecoins will be a key focus in the coming years.

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WhaleStalker

· 14h ago

6 trillion? Is the bank scaring itself? They really take stablecoins seriously. There's no need to panic about traditional finance; when the time comes, they'll just follow along obediently. High-level executives of major banks are just making excuses for their inaction. With such low interest rates, no wonder people are turning to stablecoins for yields. Web3 is indeed much more transparent than banks; there's no reason to stay here. If banks want to survive, they need to quickly learn how to embrace change. May I ask everyone, when will your money move to stablecoins? This is the inevitable result of the old world colliding with the new world.

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BrokenYield

· 14h ago

lmao $6T migration risk? that's just banks finally admitting what we already knew - their leverage ratio is getting demolished. they're literally sweating stablecoins now, fr fr

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JustHereForMemes

· 14h ago

6 trillion? That number sounds outrageous, the banks should be panicking haha Traditional finance is being forced to get involved, they can smell it Stablecoins are truly incredible, cross-border transfers save money, who still uses banks? Banks that don't upgrade will only be sitting and waiting to be eliminated, this time they are the ones being revolutionized Once Web3 infrastructure matures, this will be a certainty Waiting online for the day when banks collectively announce they embrace stablecoins The funny thing is they only just now realize this problem...

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0xDreamChaser

· 14h ago

60 trillion? Banks should really be scared; this time, it's serious. Is stablecoin really going to replace banks? If traditional finance doesn't innovate, it will be wiped out by Web3. The logic of banks supporting the economy through lending needs to change. Cross-border payments flow 24/7—what do banks have to compare? It’s long overdue. Wait, will 60 trillion really flow into stablecoins? That seems a bit exaggerated. When bank executives speak, I think they’re mostly pretending to take it seriously... they’ve actually already taken action. Once the stablecoin ecosystem is well established, the entire financial system will be reshuffled. A 30-35% deposit risk? Isn’t that just hinting at how big the threat of Web3 really is? Traditional finance still wants to make money while lying down? The times have changed, brother.

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AirdropBlackHole

· 14h ago

6 trillion? The banks are panicking, this time it's really time for reform --- Honestly, this wave of stablecoins has truly addressed the pain points of traditional finance, which is not without reason --- Haha, the banks also know they are no longer competitive, this is the real threat --- In my opinion, funds flowing into stablecoins is inevitable; it all depends on who embraces change first --- 30-35%... these numbers are quite harsh, is traditional finance really in danger? --- Where the money flows, we follow; this is the logic Web3 players should have --- Forget it, rather than waiting for the banks to react, it's better to proactively build the stablecoin ecosystem

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