Stablecoin-Wachstum bedroht Einnahmen regionaler Banken
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Eine aktuelle Analyse deutet darauf hin, dass bis 2028 bis zu 500 Milliarden US-Dollar von traditionellen Bankeinlagen zu Stablecoins migrieren könnten, angetrieben durch höhere Renditen und verbesserte Zugänglichkeit in dezentralen Finanz- (DeFi) Ökosystemen. Diese Verschiebung stellt eine erhebliche Herausforderung für regionale Kreditinstitute dar, deren Haupteinnahmequellen – die Nettozinsspannen – stark auf kostengünstigen Einlagenbasen beruhen. Da Stablecoins wettbewerbsfähige Renditen und nahtlose grenzüberschreitende Transaktionen bieten, könnten Banken verstärktem Druck ausgesetzt sein, zu innovieren oder das Risiko einer Erosion ihrer Kernfinanzierungsquellen einzugehen.
Der potenzielle Kapitalabfluss unterstreicht die beschleunigte Konvergenz von traditioneller und digitaler Finanzierung und hebt die sich entwickelnde Rolle von Stablecoins sowohl als Zahlungsmittel als auch als renditetragender Vermögenswert hervor. Während dieser Trend eine wachsende Mainstream-Adoption von Krypto-Infrastruktur signalisiert, wirft er auch regulatorische Überlegungen zur Finanzstabilität und zum Verbraucherschutz auf. Marktteilnehmer sollten beobachten, wie Banken durch Integration digitaler Vermögenswerte oder regulatorisches Engagement reagieren, um Verdrängungsrisiken zu mindern.
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