Every Zipp story tagged #BankDeposits, newest first.
The finding puts stablecoins at the center of a competition for payment activity and deposit funding between crypto markets and banks.
The result suggests deposit pricing can influence stablecoin adoption, but the paper does not show that stablecoins are already draining bank deposits or lending capacity.
The dollars often stay in the banking system, but they return as large, flighty institutional balances that cost banks more to hold, and some of that expense can reach borrowers who have never…
The threat is to banks’ low-cost funding: automated cash transfers could make households more responsive to yield differences, while crypto payment rails are already serving agentic finance.
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