Same research. Same table. Both sides. 72% of bankers expect stablecoins to improve efficiency and protect margins. 75% of their clients expect to pay less per transaction. They cannot both be right. It is the same saving. @IBM Institute for Business Value, 500 corporate CFOs and treasurers, 250 banking executives, with BAFT and BIAN. Published by the authors ahead of the formal launch on 27 September. The tiebreaker is not in that pair. It is in the next one. 57% of those finance leaders are moving the control point away from their bank. 33% want their own agentic AI routing payments, liquidity and treasury in near real time. 24% want multi-bank platforms as the interface. An orchestration layer that compares providers on price and executes continuously is a device for making a margin visible and routing around it. Meanwhile under 20% of the bankers name revenue as the primary outcome of their AI spend. Automation and cost reduction lead. One side automates what it already does. The other decides who it does business with. Then a separate survey, different population. Bank Director, 15 September, US bank executives and directors: 63% say stablecoins are overhyped. 10% have a stablecoin strategy. 72% expect to keep the margin. 10% have a plan to. Capability is not the alibi. Kinexys is past $4T since inception, ~$7bn a day. Both surveys are sponsored and both measure intent, not behaviour. Said up front. Come to @arc House to read the full post, link in the comment 👇 #CorporateBanking #Stablecoins #AgenticAI