Gate News message, April 9, S&P Global Market Intelligence released a report pointing out that although the stablecoin market size has surpassed $316 billion, the banking industry’s overall strategic layout for stablecoins is still in the early stages of exploration.
S&P Global’s Q1 2026 survey shows that among 100 interviewed banks, only 7% are developing relevant frameworks, and none are running actual pilots. The main concerns banks face include the risk of deposit outflows, intensifying competition from non-bank institutions, and uncertainty about the impact on revenue.
On strategic divergence, the report expects that large banks will explore issuing tokenized deposits, while smaller and mid-sized institutions are more likely to participate in fiat on/off-ramp channels. Regardless of which strategy is adopted, banks will need to undertake large-scale upgrades to their existing systems to support real-time digital asset businesses.
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