رشد استیبلکوین درآمد بانکهای منطقهای را تهدید میکند
🤖این محتوا توسط TradingMaster AI بر اساس دادههای بازار لحظهای تولید شده است. در حالی که ما برای دقت تلاش میکنیم، لطفا اطلاعات مالی مهم را از منبع اصلی تایید کنید.
تحلیل اخیر نشان میدهد که تا سال ۲۰۲۸، تا ۵۰۰ میلیارد دلار ممکن است از سپردههای بانکی سنتی به استیبلکوینها منتقل شود، که با بازدهی بالاتر و دسترسی بهبودیافته در اکوسیستمهای مالی غیرمتمرکز (DeFi) هدایت میشود. این تغییر چالش قابل توجهی برای وامدهندگان منطقهای ایجاد میکند، که جریانهای درآمد اصلی آنها—حاشیه سود خالص—به شدت به پایههای سپرده کمهزینه متکی است. با ارائه بازده رقابتی و تراکنشهای بیدرز مرزی توسط استیبلکوینها، بانکها ممکن است با فشار فزایندهای برای نوآوری مواجه شوند یا خطر فرسایش منابع تأمین مالی اصلی خود را بپذیرند.
خروج بالقوه سرمایه، همگرایی شتابان مالی سنتی و دیجیتال را برجسته میکند و نقش در حال تکامل استیبلکوینها را هم به عنوان وسیله پرداخت و هم دارایی سودده نشان میدهد. در حالی که این روند نشاندهنده پذیرش فزاینده زیرساختهای رمزارز در جریان اصلی است، ملاحظات نظارتی مربوط به ثبات مالی و حفاظت از مصرفکننده را نیز مطرح میکند. شرکتکنندگان بازار باید نظارت کنند که بانکها چگونه از طریق ادغام داراییهای دیجیتال یا مشارکت نظارتی برای کاهش خطرات جابجایی واکنش نشان میدهند.
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