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Infographic
May 12, 2026

how stablecoin adoption impacts deposits, payments and accountholders

As Stablecoin Adoption Grows, Protect Deposits And Preserve Your Funding Advantage

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Executive Summary

  • Your deposits face growing attrition as accountholders move funds to fintechs, crypto apps, and stablecoin platforms.
  • Stablecoin adoption is still early, but accelerating growth could increase deposit outflows and pressure funding.
  • Unify fiat and digital-money visibility to monitor liquidity, reduce risk, and maintain control.
  • Act now to retain deposits, strengthen relationships, and stay central to the future of payments. 

Fintechs and crypto apps are already reshaping how people move money.

Adoption is early but growing. The question isn’t if this will impact your financial institution, but when. Are you prepared to respond?

stablecoin adoption is still early, but momentum is building

Deposit attrition: a top concern for financial institution CEOs1

Deposit flight: 90% of community banks have material outflows to Coinbase2

Outweighing returns: For every $2.77 that goes to Coinbase, only $1 comes back3

Still early in payments:

  • Stablecoins = ~0.02% of global payment volume4
  • B2B stablecoins = ~0.01% of global B2B volume5

Building momentum:

  • Total monthly Coinbase users hit 120M in 2025, ~25% growth YoY6
  • Stablecoin supply could reach $3T by 20307

understanding the risk of a potential run on stablecoins

Stability and risk span out across three critical layers.8

  1. Balance Sheet: Can issuers meet redemptions at scale? Heavy reliance on T-bills leaves many undercapitalized vs. traditional banking standards.

  2. Plumbing: Can reserves be converted to cash fast enough? A redemption surge could overwhelm broker-dealers and freeze liquidity.

  3. Technology: Will systems perform as expected? Smart contract flaws and rising cyber threats introduce systemic risk beyond issuers.

infrastructure built for integrity, visibility, and safety at scale

Avoid fragmentation: Disconnected architectures create reconciliation gaps and hidden risk (as seen in BaaS failures)

Unify your view: A hybrid ledger bridging fiat and on-chain activity gives you:

  • One control plane
  • One source of truth
  • Real-time settlement, reconciliation, and liquidity oversight

the opportunity for banks and credit unions

Shape the next payment experience

Crypto-linked debit cards and tokenized money could redefine how your accountholders spend.

Drive new efficiency

Operate 24/7/365 with instant settlement and programmable payments.

Defend your role

Direct-to-ledger digital wallets allow users to store and move wealth, bypassing traditional financial institutions.

Lead as the bridge

Connect traditional finance and stablecoins to deepen relationships, retain deposits, and protect your lending power.

take the next step to defend your deposits and payments

Watch our video to uncover how to turn stablecoin disruption into an opportunity, or download our 2026 Strategy Benchmark.


Sources

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