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Stablecoin Surge Threatens $500B in U.S. Bank Deposits by 2028

Stablecoin Surge Threatens $500B in U.S. Bank Deposits by 2028

Author:

Global Cryptocurrency

Published:

2026-01-27 18:19:02

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BTCCSquare news:

Standard Chartered warns that accelerating stablecoin adoption could siphon $500 billion from U.S. bank deposits within four years. The report highlights a looming structural shift as dollar-pegged cryptocurrencies gain traction in payments and retail transactions.

Regional banks face disproportionate risk due to their reliance on net interest margins. Stablecoin-driven deposit flight may compress earnings and constrain lending capacity, particularly among mid-tier lenders with concentrated retail deposit bases.

The analysis arrives as Tether expands its USDT dominance and regulators finalize new stablecoin rules. These developments could accelerate the migration of transactional cash from traditional accounts to blockchain-based alternatives.

By:

Japan Unveils Ambitious Stablecoin Reserve Rules to Strengthen Financial Security

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