2026-01-22 16:56:09

Stablecoins are moving from the conceptual stage to practical application in the global financial landscape.

The attitude shift in the banking industry is crucial—what started as pilot explorations has now directly advanced to actual deployment. What does this mean? It indicates that financial institutions no longer see them as experimental projects but as real, usable tools for payments and settlements.

According to industry assessments, in the long term, the adoption rate of stablecoins in the global banking system could reach approximately 40%. While this figure may not yet be considered mainstream, for a new technology to account for such a proportion in the financial system, it is already a significant achievement.

The driving forces behind this are quite clear—efficiency demands in cross-border payments, cost pressures, and the necessity of 24/7 uninterrupted trading. These are longstanding issues that traditional financial systems have struggled with, and stablecoins inherently offer solutions. Banks are also gradually realizing that embracing stablecoin technology is no longer optional if they want to stay competitive in the digital financial era.

Of course, reaching the 40% figure will also require further improvements in regulatory frameworks, enhanced cross-chain interoperability, and greater participation from financial institutions. But the overall industry direction is already very clear—stablecoins are moving from the fringe to the mainstream, and only a matter of time.

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HashBard

· 3h ago

40% adoption sounds neat on paper but real talk... banks literally had zero choice lol. the efficiency gap was too thicc to ignore, macro forces kinda left them no exit strategy here

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DegenDreamer

· 3h ago

40% may not sound like much, but this is where we win. Really? Banks are starting to go all-in now? They used to be so reserved before. Cross-border transfers no longer need to wait three days—this is the true battlefield for stablecoins. Once the regulatory framework is in place, only then can this truly take off. In plain terms, traditional finance can't hold up anymore; they have to use stablecoins to catch up.

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PumpDoctrine

· 3h ago

40%? Honestly, that's a bit conservative. Once these traditional financial giants decide, they can eat up even more. The fact that banks are truly taking action says everything—no more pretending, it's time to face the music. Cross-border payments are indeed the forte of stablecoins, far surpassing SWIFT. Regulation is the key hurdle; without it, even the best technology is useless. 40% feels conservative tbh Still waiting for regulation? Feels like that day will never come. Stablecoins are the ultimate form, an inevitable outcome. Central banks of various countries are the biggest opponents; let's see how they respond.

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BearMarketSunriser

· 4h ago

40% may not sound like much, but this is the turning point, and banks are really starting to move. Speaking of which, cross-border payments have been stuck for too long, and stablecoins could really solve this issue. When will the regulators catch up? It still feels like they're dragging behind. This time, it's really not just hype; financial institutions are all on board, which is the real signal. But when will the 40% be in place? It still feels like we have to wait.

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