Regulation

BIS Economists Say Banks Can Influence Stablecoin Adoption Through Deposit Rates

October 18, 2026, 1:01 PM UTC (1 hour ago) · 1 source · Summarized by CryptoBipto

Economists at the Bank for International Settlements (BIS) have published research arguing that traditional banks hold significant influence over stablecoin adoption. According to the researchers, banks can adjust deposit interest rates and other tools to compete with stablecoins and shape how widely they are used.

WHY IT MATTERS

Stablecoins are a type of cryptocurrency designed to hold a steady value, usually matching a traditional currency like the US dollar. Think of them as a digital version of dollars that can be sent and stored on a blockchain. This research from the BIS — a major international financial institution that coordinates among the world's central banks — suggests that traditional banks are not powerless against stablecoin growth. Just as a savings account might offer higher interest to keep you from moving your money elsewhere, banks can use similar strategies to compete with stablecoins. For anyone new to crypto, this highlights that the growth of stablecoins does not happen in isolation — it is shaped by decisions made by traditional financial institutions as well.

The Bank for International Settlements, often described as the central bank for central banks, has released a paper examining the relationship between traditional banking and stablecoin growth.

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