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Stablecoins Are Not Bank Deposit Threats, Study Suggests

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A new study by Cornell’s Will Cong suggests stablecoins are not destabilizing banks but pushing them to improve rates and efficiency. Bank deposits remain sticky due to bundled services, with stablecoins acting more as a complement than a threat. The research also touches on the role of regulatory measures like the GENIUS Act in supporting liquidity and crypto markets. These frameworks are seen as key to Countering the Financing of Terrorism and ensuring stablecoin transparency.
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