Traditional banks face pressure: Stablecoins and tokenized deposits move from pilot programs to scaling up

【Crypto World】There is an interesting phenomenon—traditional banks are undergoing an invisible stress test. According to recent industry reports, stablecoins, crypto assets, and tokenized deposits—once considered niche experiments—are now gradually moving toward mainstream applications.

What does this mean? In simple terms, these innovative solutions are beginning to pose a real competitive threat to the traditional banking system. We are not talking about a market worth billions, but a deposit and loan system exceeding $200 trillion. This figure is enough to make any financial institution reevaluate its strategy.

The shift from pilot projects to large-scale adoption reflects increased market confidence in on-chain financial infrastructure. Stablecoins enable instant cross-border settlements, and tokenized deposits break the traditional banks’ monopoly on asset liquidity. While these changes may seem like technological progress, they fundamentally represent a redistribution of financial power structures.

Interestingly, this “de-constraint” process is not instantaneous. It requires clear regulations, robust infrastructure, and sufficient market participants. But the trend is already very clear—the fortress of traditional finance is being gradually dismantled piece by piece.