稳定币增长威胁地区银行收入
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近期分析表明，到2028年，高达5000亿美元可能从传统银行存款迁移至稳定币，这主要受去中心化金融（DeFi）生态系统中更高收益率和增强可访问性的驱动。这一转变对地区性贷款机构构成重大挑战，这些机构的主要收入来源——净息差——严重依赖低成本存款基础。随着稳定币提供有竞争力的回报和无缝跨境交易，银行可能面临创新压力加剧或核心资金来源侵蚀的风险。
潜在资本外流突显了传统金融与数字金融加速融合的趋势，强调了稳定币作为支付媒介和生息资产的演变角色。虽然这一趋势标志着加密基础设施日益被主流采用，但也引发了关于金融稳定性和消费者保护的监管考量。市场参与者应关注银行如何通过数字资产整合或监管参与来应对，以缓解替代风险。
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