最新报道:Stablecoins are reshaping finance, offering higher returns—up to 4.1% on platforms like Coinbase—compared to the average 0.39% savings rate. Bitwise CIO Matthew Hougan urges banks to boost deposit interest rates instead of lobbying for regulations, arguing stablecoins drive efficiency and better saver returns. With the stablecoin market surpassing $250 billion and projected to hit $2 trillion, community banks face deposit outflows. Some, like Canada’s VersaBank, are testing blockchain-based digital deposits to compete. Adaptation, not resistance, is key for banks to stay relevant.