According to the Odaily server, a recent research report from Bank of America Merrill Lynch suggests that stablecoins will have a disruptive impact on the deposit base and payment systems of the traditional banking sector in the next two to three years. The report emphasizes that significant changes will manifest in the medium term as stablecoins become more integrated and widespread, representing growing competition for the existing financial system. As the initial regulatory framework for stablecoins is being shaped in the United States, the banking sector finds itself at a crossroads between proactive engagement and cautious observation. Large banks are reportedly preparing for the era of stablecoins, as reflected in the comments from their management teams. However, there remains a degree of skepticism and caution regarding specific use cases of stablecoins, particularly in domestic payment scenarios in the US.