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Standard Chartered Issues Warning: Stablecoins Could Drain $500 Billion from US Banks Before 2028
📅 January 27
One of the world's largest and most respected banks, Standard Chartered, warns that dollar-denominated stablecoins are not only growing: they are beginning to drain the very heart of the banking system—deposits.
📖The analysis stems from a larger projection: Standard Chartered estimates that the global stablecoin market could reach $2 trillion by the end of the decade. Of that total, approximately one-third would come directly from deposits currently held in traditional banks.
The bank notes that this migration is not uniform, but it is inevitable as payments, transfers and other core functions of the financial system move to blockchain-based infrastructures.
In this context, regulatory uncertainty in Washington surrounding the Clarity Act has generated a direct clash between large banks and crypto companies like Coinbase, which initially withdrew its support for the project because it considered that it affected the incentives to issue and hold stablecoins.
This warning is not abstract. Standard Chartered analyzed which types of banks would be most vulnerable and found that those whose income depends heavily on the net interest margin—that is, the use of deposits to make loans—would face the greatest pressure if customers begin moving their money into digital versions of the dollar.
Topic Opinion:
If this happens on a large scale, the traditional deposit-taking model becomes irrelevant. And when a bank loses deposits, it loses its ability to generate loans, interest, and operational stability.
💬 Would you move your money from the bank to a dollar stablecoin if it were just as secure?
Leave your comment...
#Stablecoins #banks #DigitalDollar #BTC #CryptoNews $BTC $USDC
One of the world's largest and most respected banks, Standard Chartered, warns that dollar-denominated stablecoins are not only growing: they are beginning to drain the very heart of the banking system—deposits.
📖The analysis stems from a larger projection: Standard Chartered estimates that the global stablecoin market could reach $2 trillion by the end of the decade. Of that total, approximately one-third would come directly from deposits currently held in traditional banks.
The bank notes that this migration is not uniform, but it is inevitable as payments, transfers and other core functions of the financial system move to blockchain-based infrastructures.
In this context, regulatory uncertainty in Washington surrounding the Clarity Act has generated a direct clash between large banks and crypto companies like Coinbase, which initially withdrew its support for the project because it considered that it affected the incentives to issue and hold stablecoins.
This warning is not abstract. Standard Chartered analyzed which types of banks would be most vulnerable and found that those whose income depends heavily on the net interest margin—that is, the use of deposits to make loans—would face the greatest pressure if customers begin moving their money into digital versions of the dollar.
Topic Opinion:
If this happens on a large scale, the traditional deposit-taking model becomes irrelevant. And when a bank loses deposits, it loses its ability to generate loans, interest, and operational stability.
💬 Would you move your money from the bank to a dollar stablecoin if it were just as secure?
Leave your comment...
#Stablecoins #banks #DigitalDollar #BTC #CryptoNews $BTC $USDC
🇺🇸🏦 U.S. BIGGEST BANKS ARE BUYING INTO BITCOIN!
Around 60% of top U.S. banks are now offering or developing Bitcoin products.
3 of them are in America's "Big Four" banks!
- $3.79T JPMorgan is considering crypto trading.
- $1.83T Citigroup is preparing institutional custody.
- $1.75T Wells Fargo already offers Bitcoin-backed loans.
Together they hold $7.37T in assets. #news #banks
Around 60% of top U.S. banks are now offering or developing Bitcoin products.
3 of them are in America's "Big Four" banks!
- $3.79T JPMorgan is considering crypto trading.
- $1.83T Citigroup is preparing institutional custody.
- $1.75T Wells Fargo already offers Bitcoin-backed loans.
Together they hold $7.37T in assets. #news #banks
BANKS ARE FLOODING INTO BITCOIN! $7.37T WAR CHEST UNLEASHED!
America's biggest banks are making their move. 60% are diving into Bitcoin products. The Big Four are leading the charge. JPMorgan is eyeing crypto trading. Citigroup is building institutional custody. Wells Fargo is already offering Bitcoin-backed loans. This is institutional FOMO. Real money is entering the ecosystem. The narrative has flipped. Banks need Bitcoin now.
This is not financial advice.
#Bitcoin #Banks #Crypto #FOMO #InstitutionalAdoption 🚀
America's biggest banks are making their move. 60% are diving into Bitcoin products. The Big Four are leading the charge. JPMorgan is eyeing crypto trading. Citigroup is building institutional custody. Wells Fargo is already offering Bitcoin-backed loans. This is institutional FOMO. Real money is entering the ecosystem. The narrative has flipped. Banks need Bitcoin now.
This is not financial advice.
#Bitcoin #Banks #Crypto #FOMO #InstitutionalAdoption 🚀
BANKS ARE BACKING BITCOIN. $BTC
60% of top US banks are launching BTC products. This is a historic shift from skepticism to acceptance. Wall Street giants like JPM Chase ($3.79T), Citigroup ($1.83T), and Wells Fargo ($1.75T) are leading the charge. They manage over $7.3 trillion in assets. This massive capital infusion into custody, ETF trading, and BTC collateralized loans signals explosive growth. The game has changed.
Disclaimer: Not financial advice. DYOR.
#Bitcoin #Crypto #Banks #FOMO 🚀
60% of top US banks are launching BTC products. This is a historic shift from skepticism to acceptance. Wall Street giants like JPM Chase ($3.79T), Citigroup ($1.83T), and Wells Fargo ($1.75T) are leading the charge. They manage over $7.3 trillion in assets. This massive capital infusion into custody, ETF trading, and BTC collateralized loans signals explosive growth. The game has changed.
Disclaimer: Not financial advice. DYOR.
#Bitcoin #Crypto #Banks #FOMO 🚀
European Banks Launch Euro-Pegged Stablecoin Consortium:-🔥🔥💥💥
A consortium of 10 European banks has founded a company named Qivalis to develop a euro-pegged stablecoin, which will be an alternative to dollar-pegged cryptocurrencies in global digital payments systems. The euro-pegged token will be released in H2 2026 but will await approval from regulators first.
Key Details- Participating Banks: BNP Paribas, ING, UniCredit, Banca Sella, KBC, DekaBank, Danske Bank, SEB, Caix
- Leadership: The CEO will be Jan-Oliver Sell, who is currently the CEO of Coinbase Germany. The chair will be Howard Davies, who is currently chair at NatWest.
- Initial Focus: Stablecoins initially focus on serving cryptocurrency trades and payments, and this may expand over time. Regulatory Approval and Concerns- Regulatory Approval: Qivalis aims to secure an Electronic Money Institution license from the Dutch Central Bank and has worked with the ECB. - Concerns: Regulators have expressed concern regarding the implications of private stablecoins on banks.
#news #europe #crypto #banks
A consortium of 10 European banks has founded a company named Qivalis to develop a euro-pegged stablecoin, which will be an alternative to dollar-pegged cryptocurrencies in global digital payments systems. The euro-pegged token will be released in H2 2026 but will await approval from regulators first.
Key Details- Participating Banks: BNP Paribas, ING, UniCredit, Banca Sella, KBC, DekaBank, Danske Bank, SEB, Caix
- Leadership: The CEO will be Jan-Oliver Sell, who is currently the CEO of Coinbase Germany. The chair will be Howard Davies, who is currently chair at NatWest.
- Initial Focus: Stablecoins initially focus on serving cryptocurrency trades and payments, and this may expand over time. Regulatory Approval and Concerns- Regulatory Approval: Qivalis aims to secure an Electronic Money Institution license from the Dutch Central Bank and has worked with the ECB. - Concerns: Regulators have expressed concern regarding the implications of private stablecoins on banks.
#news #europe #crypto #banks
🌍 Opinion: Crypto isn’t a magic solution — but ignoring it may be the biggest economic risk of this decade.
The global financial system is clearly under pressure.
Inflation, debt, currency debasement, capital controls — these aren’t accidents. They’re signals.
Crypto has emerged as an alternative, offering:
Borderless value transfer
Self-custody and ownership
Programmable money
But let’s be honest — crypto has a problem.
⚠️ Volatility.
Prices swing fast. Narratives change faster.
Speculation often overshadows real utility, making adoption harder.
Yet volatility doesn’t automatically mean failure.
It usually means early-stage price discovery.
Every major financial shift went through chaos first:
📜 Paper money
💳 Digital banking
🌐 Global capital markets
All were unstable before becoming standard.
Today, the choice isn’t between “safe” and “risky.”
It’s between: ❌ A traditional system slowly losing trust.
⚠️ A new system still finding its balance.
Those who understand crypto early — with its risks —
won’t just be protected. They’ll likely be ahead when stability arrives.
The real danger isn’t volatility.
It’s being unprepared when the transition becomes unavoidable.
💬 Discussion:
Is crypto’s volatility a temporary growing pain —
or a permanent flaw that limits its future?
Drop your honest take.
#onlineplus #crypto #banks #finance
The global financial system is clearly under pressure.
Inflation, debt, currency debasement, capital controls — these aren’t accidents. They’re signals.
Crypto has emerged as an alternative, offering:
Borderless value transfer
Self-custody and ownership
Programmable money
But let’s be honest — crypto has a problem.
⚠️ Volatility.
Prices swing fast. Narratives change faster.
Speculation often overshadows real utility, making adoption harder.
Yet volatility doesn’t automatically mean failure.
It usually means early-stage price discovery.
Every major financial shift went through chaos first:
📜 Paper money
💳 Digital banking
🌐 Global capital markets
All were unstable before becoming standard.
Today, the choice isn’t between “safe” and “risky.”
It’s between: ❌ A traditional system slowly losing trust.
⚠️ A new system still finding its balance.
Those who understand crypto early — with its risks —
won’t just be protected. They’ll likely be ahead when stability arrives.
The real danger isn’t volatility.
It’s being unprepared when the transition becomes unavoidable.
💬 Discussion:
Is crypto’s volatility a temporary growing pain —
or a permanent flaw that limits its future?
Drop your honest take.
#onlineplus #crypto #banks #finance
"BULLISH VIBES! 🚀 David Sacks, White House AI and Crypto Czar, predicts banks and crypto will merge into a unified digital asset industry once the CLARITY Act passes! This could be a game-changer for crypto and traditional finance. ¹ ² ³
The CLARITY Act aims to define how digital assets and stablecoins operate in the US, providing regulatory clarity for banks to enter the crypto space. But, there's a catch - banks are pushing back, fearing competition from yield-bearing stablecoins.
Sacks urges compromise, saying passing the bill is more important than winning every policy detail. If approved, banks would gain confidence to issue stablecoins, and crypto firms would access traditional payment rails and institutional capital.
The future of finance is looking digital! #crypto #Banks #CLARITYAct "
$BTC
The CLARITY Act aims to define how digital assets and stablecoins operate in the US, providing regulatory clarity for banks to enter the crypto space. But, there's a catch - banks are pushing back, fearing competition from yield-bearing stablecoins.
Sacks urges compromise, saying passing the bill is more important than winning every policy detail. If approved, banks would gain confidence to issue stablecoins, and crypto firms would access traditional payment rails and institutional capital.
The future of finance is looking digital! #crypto #Banks #CLARITYAct "
$BTC
🚨 THE OLD FINANCIAL SYSTEM JUST BROKE!!
#Gold has officially surpassed the 🇺🇸 U.S. dollar for the first time in over 30 years.
Central banks now hold more gold than U.S. government debt.
Confidence in the U.S. dollar is collapsing.
#Banks are panicking.
Foreign nations aren’t chasing yield anymore, they’re focused on survival.
They’re terrified of losing their principal.
And honestly? You can’t blame them.
U.S. Treasuries can be frozen.
They can be diluted.
They can be weaponized.
Gold can’t.
Zero counterparty risk.
No permission required.
It’s the last truly neutral asset.
AND IT GETS WORSE.
U.S. debt is exploding - $1 trillion added every 100 days.
Interest costs are now exceeding $1 trillion per year.
The Fed has no choice but to print.
The world sees what’s coming, and they’re exiting now.
YOU CAN SEE IT IN THE RESERVES.
#China
#Japan
#Russia
India.
Singapore.
They’re all dumping paper and buying physical assets.
This goes far beyond agreements.
THE REAL OBJECTIVE IS TO DROP U.S. DOLLAR.
Build parallel payment systems outside SWIFT.
Settle energy in local currencies.
Anchor it all to commodities that can’t be printed - gold and silver.
When over 40% of the world’s population decides they don’t need the dollar, demand COLLAPSES.
The age of paper is over.
Gold is the best alternative.
This might be the final decline of the U.S. dollar.
Think silver at $100 and gold at $4,700 sounds insane?
Then you’re not ready for what comes next.
I’ve traded every major top and bottom for more than 9 years.
From here on out, I’ll be sharing all my calls publicly.
Follow me now, so you don’t regret it later.
👉 Invest In Crypto King NOW 👇$BTC
$DOGE
$LUNC
#Gold has officially surpassed the 🇺🇸 U.S. dollar for the first time in over 30 years.
Central banks now hold more gold than U.S. government debt.
Confidence in the U.S. dollar is collapsing.
#Banks are panicking.
Foreign nations aren’t chasing yield anymore, they’re focused on survival.
They’re terrified of losing their principal.
And honestly? You can’t blame them.
U.S. Treasuries can be frozen.
They can be diluted.
They can be weaponized.
Gold can’t.
Zero counterparty risk.
No permission required.
It’s the last truly neutral asset.
AND IT GETS WORSE.
U.S. debt is exploding - $1 trillion added every 100 days.
Interest costs are now exceeding $1 trillion per year.
The Fed has no choice but to print.
The world sees what’s coming, and they’re exiting now.
YOU CAN SEE IT IN THE RESERVES.
#China
#Japan
#Russia
India.
Singapore.
They’re all dumping paper and buying physical assets.
This goes far beyond agreements.
THE REAL OBJECTIVE IS TO DROP U.S. DOLLAR.
Build parallel payment systems outside SWIFT.
Settle energy in local currencies.
Anchor it all to commodities that can’t be printed - gold and silver.
When over 40% of the world’s population decides they don’t need the dollar, demand COLLAPSES.
The age of paper is over.
Gold is the best alternative.
This might be the final decline of the U.S. dollar.
Think silver at $100 and gold at $4,700 sounds insane?
Then you’re not ready for what comes next.
I’ve traded every major top and bottom for more than 9 years.
From here on out, I’ll be sharing all my calls publicly.
Follow me now, so you don’t regret it later.
👉 Invest In Crypto King NOW 👇$BTC
$DOGE
$LUNC
🚨 JUST IN: Spain’s 🇪🇸 Banco Santander’s Openbank now offers crypto trading to customers a big step as traditional banks dive deeper into digital assets.
Traditional finance ✅ + Crypto innovation 🚀 = Mass adoption closer than ever.
#Crypto #Banks #Spain #Adoption $BTC
Source By :x.com/0xcryptosea
💬 Comment | 🔁 Share | ❤️ Like | 👤 follow
Traditional finance ✅ + Crypto innovation 🚀 = Mass adoption closer than ever.
#Crypto #Banks #Spain #Adoption $BTC
Source By :x.com/0xcryptosea
💬 Comment | 🔁 Share | ❤️ Like | 👤 follow
US Banks Can Officially Hold Bitcoin — Game Changer?
💥 Big step for crypto:
US regulators have given banks the green light to offer Bitcoin custody services. This means banks can now hold BTC safely for clients — just like they do with cash or gold.
✅ More trust for new investors
✅ Easier access for institutions & traditional clients
✅ Huge step toward mainstream adoption
✅ Could spark more inflows into BTC from big money
Why it matters:
With regulated banks holding BTC, hedge funds, family offices, and high-net-worth individuals may feel more comfortable investing big.
📈 Crypto moves closer to traditional finance every day.
💬 Do you think this will push Bitcoin to new highs? Or is it too late for banks to join the party? Drop your thoughts below!
#Bitcoin
#CryptoAdoption
#Banks
#Custody
#Binance
$BTC
💥 Big step for crypto:
US regulators have given banks the green light to offer Bitcoin custody services. This means banks can now hold BTC safely for clients — just like they do with cash or gold.
✅ More trust for new investors
✅ Easier access for institutions & traditional clients
✅ Huge step toward mainstream adoption
✅ Could spark more inflows into BTC from big money
Why it matters:
With regulated banks holding BTC, hedge funds, family offices, and high-net-worth individuals may feel more comfortable investing big.
📈 Crypto moves closer to traditional finance every day.
💬 Do you think this will push Bitcoin to new highs? Or is it too late for banks to join the party? Drop your thoughts below!
#Bitcoin
#CryptoAdoption
#Banks
#Custody
#Binance
$BTC
🚀 CMBI is the first mainland China broker to receive a license from Hong Kong regulators for trading crypto.
👉 Important for adoption: First mainland China broker (CMBI) gets HK crypto license, opening regulated fiat-crypto pipes—watch Hong Kong’s Sep 15 stablecoin licence regime.
#China
#Banks
#Crypto
👉 Important for adoption: First mainland China broker (CMBI) gets HK crypto license, opening regulated fiat-crypto pipes—watch Hong Kong’s Sep 15 stablecoin licence regime.
#China
#Banks
#Crypto
BREAKING: Major Win for Crypto! 🇺🇸
🏛 US banks can now:
✅ Custody crypto 🔐
✅ Engage in stablecoins 💵
✅ Become blockchain validators 🌐
🔥 Is this the start of mainstream adoption?
#crypto #bitcoin #blockchain #banks
🏛 US banks can now:
✅ Custody crypto 🔐
✅ Engage in stablecoins 💵
✅ Become blockchain validators 🌐
🔥 Is this the start of mainstream adoption?
#crypto #bitcoin #blockchain #banks
🚀 Sber has proposed making banks the central hubs for accounting and storing cryptocurrencies. Their regulatory suggestions for the crypto market have been submitted to the Central Bank.
👉 Low impact—Russia's bank-centric crypto proposal lacks near-term liquidity shock; watch for U.S. House ‘Crypto Week’ votes (Jul 16±2d) as federal laws drive adoption.
#Crypto
#Banks
#Russia
#Regulation
#ETHBreakout3 .5k
👉 Low impact—Russia's bank-centric crypto proposal lacks near-term liquidity shock; watch for U.S. House ‘Crypto Week’ votes (Jul 16±2d) as federal laws drive adoption.
#Crypto
#Banks
#Russia
#Regulation
#ETHBreakout3 .5k
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