Odaily Planet Daily reported that a recent research report from Bank of America Merrill Lynch shows that as the United States paves the way for the regulation of stablecoin issuance, this digital asset will have a clear and visible disruptive impact on the deposit base and payment systems of traditional banks in the next 2 to 3 years. The report emphasizes that real transformation will emerge in the medium term. As stablecoins become more integrated and widespread, their impact on the existing financial system will become increasingly apparent, and banks will face competitive pressure from digital currencies. With the preliminary establishment of the U.S. stablecoin regulatory framework, the banking industry is at a crossroads of active layout and cautious observation. The U.S. banking industry is ready to welcome the arrival of the stablecoin era. From the comments of major bank management, the industry is actively preparing to provide stablecoin solutions. However, regarding specific use cases, especially in domestic payment scenarios in the United States, bankers remain cautious and even skeptical. (Phoenix Network)