{"id":45553,"date":"2026-06-01T20:27:14","date_gmt":"2026-06-01T20:27:14","guid":{"rendered":"https:\/\/cryptd.in\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\/"},"modified":"2026-06-01T20:27:14","modified_gmt":"2026-06-01T20:27:14","slug":"banks-fear-stablecoins-as-yield-threatens-deposit-business-report","status":"publish","type":"post","link":"https:\/\/cryptd.in\/fr\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\/","title":{"rendered":"Banks Fear Stablecoins as Yield Threatens Deposit Business: Report"},"content":{"rendered":"<p>Popular crypto analyst EGRAG CRYPTO has claimed that banks are fighting stablecoins not because they are risky, but because they allow people to hold, move, and potentially earn returns on dollars without relying on traditional bank deposits.<\/p>\n<p>His sentiment comes as US lawmakers continue to negotiate crypto legislation and stablecoin rules, while banks and digital asset advocates clash over whether yield-bearing stablecoins could pull deposits away from the banking system.<\/p>\n<h2>The Exit Banks Never Had to Plan For<\/h2>\n<p>In an analysis posted on June 1, EGRAG <a href=\"https:\/\/x.com\/egragcrypto\/status\/2061347459020783959?s=20\">framed<\/a> the debate around stablecoins not as a regulatory dispute but as a direct threat to how banks make money.<\/p>\n<p>He explained that when you deposit money in your bank account, you are not storing it, but, legally, you are making an unsecured loan to that institution. That bank then takes your deposit, lends it out at rates between 6% and 28%, and pays you between 0.1% and 0.5% for the privilege. And that spread is their core business.<\/p>\n<p>However, according to the analyst, stablecoins are breaking that arrangement by separating three things that the traditional banking system has always bundled together: custody, settlement, and yield.<\/p>\n<p>With a stablecoin backed by Treasury bills, a user can hold dollars without a bank account, transfer them instantly without an intermediary, and earn roughly 5% on a risk-free basis.<\/p>\n<p>If people can earn 4% to 6% yields with full control and no dependence on banks, EGRAG argued, they would see no need to deposit with banks, which would undermine these institutions\u2019 funding models and the power they enjoy.<\/p>\n<blockquote>\n<p>\u2018That\u2019s the real threat and they will make wars and move tanks to stop it,\u201d claimed the analyst.<\/p>\n<\/blockquote>\n<p>EGRAG\u2019s position is not hyperbolic,\u00a0<span>given that an analysis by Standard Chartered at the start of the year\u00a0<a href=\"https:\/\/cryptopotato.com\/stablecoin-growth-poses-a-500b-risk-to-bank-deposits-and-net-interest-margins\/\" target=\"_blank\">estimated<\/a> that US banks\u00a0<\/span>could lose around $500 billion in deposits to stablecoins by the end of 2028, with regional banks carrying the most exposure.<\/p>\n<p>According to Standard Chartered\u2019s Geoff Kendrick, the two largest stablecoin issuers, Tether (USDT) and Circle (USDC), hold most of their reserves in US Treasuries rather than in bank accounts, meaning very little capital is recycled back into the banking system.<\/p>\n<h2>What the Legislative Fight is Really About<\/h2>\n<p>During the recently concluded Senate Banking Committee deliberations on the CLARITY Act, members of the American Bankers Association <a href=\"https:\/\/cryptopotato.com\/clarity-act-faces-wave-of-amendments-ahead-of-markup\/\">sent<\/a> more than 8,000 letters to Senate offices in less than a week, specifically targeting rules around stablecoin yields.<\/p>\n<p>At the time, Senator Bernie Moreno accused banks of trying to \u201ckill stablecoins that would let everyday Americans earn real yield on their own money.\u201d He also called the industry a \u201ccartel\u201d that was hell-bent on protecting low-interest deposit models.<\/p>\n<p>EGRAG\u2019s analysis interpreted that response as its own kind of signal, writing:<\/p>\n<blockquote>\n<p>\u201cIf stablecoins were meaningless, banks wouldn\u2019t fight them. Lobbyists wouldn\u2019t panic. Bills wouldn\u2019t stall. Narratives wouldn\u2019t shift.\u201d<\/p>\n<\/blockquote>\n<p>Even a\u00a0survey released in March by Ripple <a href=\"https:\/\/cryptopotato.com\/stablecoins-are-taking-over-tradfi-inside-ripples-massive-2026-industry-survey\/\">revealed<\/a> that 74% of finance executives see stablecoins as tools for unlocking working capital and improving treasury operations, suggesting institutional interest is well past the exploratory stage.<\/p>\n<p>And the stablecoin market is growing relentlessly, with the latest data from DefiLlama showing it now sits at about $320 billion, with USDT holding $188 billion and USDC at $76 billion.<\/p>\n<p>Le poste <a href=\"https:\/\/cryptopotato.com\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\/\">Banks Fear Stablecoins as Yield Threatens Deposit Business: Report<\/a> est apparu en premier sur <a href=\"https:\/\/cryptopotato.com\/\" rel=\"nofollow\">CryptoPatate<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Popular crypto analyst EGRAG CRYPTO has claimed that banks are fighting stablecoins not because they are risky, but because they allow people to hold, move, and potentially earn returns on dollars without relying on traditional bank deposits. His sentiment comes as US lawmakers continue to negotiate crypto legislation and stablecoin rules, while banks and digital [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45555,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-45553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-feeds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banks Fear Stablecoins as Yield Threatens Deposit Business: Report - cryptd.in<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptd.in\/fr\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks Fear Stablecoins as Yield Threatens Deposit Business: Report - cryptd.in\" \/>\n<meta property=\"og:description\" content=\"Popular crypto analyst EGRAG CRYPTO has claimed that banks are fighting stablecoins not because they are risky, but because they allow people to hold, move, and potentially earn returns on dollars without relying on traditional bank deposits. His sentiment comes as US lawmakers continue to negotiate crypto legislation and stablecoin rules, while banks and digital [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptd.in\/fr\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\/\" \/>\n<meta property=\"og:site_name\" content=\"cryptd.in\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-01T20:27:14+00:00\" \/>\n<meta name=\"author\" content=\"cryptd.in\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"cryptd.in\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/\"},\"author\":{\"name\":\"cryptd.in\",\"@id\":\"https:\\\/\\\/cryptd.in\\\/#\\\/schema\\\/person\\\/7973e8183bc6723b86adfe84d5af0ce4\"},\"headline\":\"Banks Fear Stablecoins as Yield Threatens Deposit Business: Report\",\"datePublished\":\"2026-06-01T20:27:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/\"},\"wordCount\":558,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/cryptd.in\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cryptd.in\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Bank_of_Italy-TSdco5.jpg\",\"articleSection\":[\"Feeds\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/\",\"url\":\"https:\\\/\\\/cryptd.in\\\/banks-fear-stablecoins-as-yield-threatens-deposit-business-report\\\/\",\"name\":\"Banks Fear Stablecoins as Yield Threatens Deposit Business: Report - 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