New York, October 7, 2025 — Patrick Collison, the co-founder and CEO of Stripe, has made one of the boldest and most disruptive predictions in the tech industry in years, and I have to tell you that it directly affects your savings.

Collison made it clear: the rise of stablecoins — those cryptocurrencies linked to fiat currencies like the dollar — is about to unleash a revolution in the way banks and institutions handle our money. The era of cheap deposits, where the profit stayed at the top, is coming to an end.

The Battle for Zero Point Something

The problem, according to Collison, is that the current system is a bit unfair:

Today, the average interest on savings deposits in the U.S. is barely 0.40%, and trillions of dollars in U.S. bank deposits earn 0% interest. In Europe, things aren't much better. This is money that is generating returns, but most of it stays with the intermediary.

This is where the power of stablecoins comes in. By offering options that generate real returns, closer to market rates, these digital assets are creating competition that banks simply cannot ignore.

My opinion is that this is going to change: depositors are going to (and should!) earn something closer to a market return on their capital, Collison explained to me.

Consumer Hostility: A Losing Strategy

Collison did not hold back in criticizing those who are trying to stop this change. He pointed out that there are lobbying groups fighting to prevent stablecoins from offering these benefits.

The business imperative for banking lobbies is clear: cheap deposits are great for them. But being so hostile to the consumer seems to me a losing position in the long run.

In summary, Collison's statement is more than a prediction about cryptocurrencies; it is a warning to the entire financial system. Stablecoins are democratizing access to returns. If traditional banks do not want to lose their customers, they will have to stop being mere storage for cost-free money and start sharing the wealth they generate with those who actually provide it: the savers.

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