digitaldollar

📅 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?

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#Stablecoins #banks #DigitalDollar #BTC #CryptoNews $BTC $USDC

在 2026 年，加密货币的争论不再是关于生存——而是关于规模。
而且悄然间， $USDC 已成为实现这一规模的支柱。
为什么 $USDC USDC 在没有噪音的情况下获胜
🏛 监管优先，增长随之而来
随着美国的 GENIUS 法案和欧洲的 MiCA 完全生效，USDC 脱颖而出，成为最合规的稳定币。这就是为什么像 Visa 和 BlackRock 这样的机构现在使用 USDC 进行实时、24/7 的结算。
⚡ PayFi 已到来
USDC 已超越交易对的概念：
为全球公司提供即时 B2B 结算，跳过缓慢的 SWIFT 转账