A recent academic study suggests that stablecoins could become the 'next big transformation' of the global banking system by integrating the innovation of the crypto world with traditional financial infrastructure.


Key Findings




  • Bridge between two worlds: Stablecoins provide value stability while maintaining the efficiency and speed of blockchain technology.




  • Institutional adoption: Their use is growing in cross-border payments, settlements, and remittances, attracting the attention of banks and international organizations.




  • Impact on banking: They could complement —or even challenge— traditional functions of deposits and transfers, generating a structural change in the financial system.




Global Implications




  • Greater financial inclusion: access to stable digital services in emerging economies.




  • Competition with central bank digital currencies (CBDCs): private stablecoins could accelerate the race for sovereign digital money.




  • Necessary regulatory framework: the study emphasizes that its expansion will depend on regulatory clarity in each country.




Conclusion


What started as a crypto solution to reduce volatility is now shaping up as a candidate to revolutionize the global banking system. The question is no longer whether stablecoins will transform finance, but when and under what regulatory conditions.



#Stablecoins #Finanzas #blockchain #BancaDigital #CRIPTOHINDUSTAN