Banks Risk Losing $230,000,000,000 in Payments Revenue As Stablecoins and Tokenized Deposits Scale, According to Survey

What happened

A survey by Capgemini found banks risk losing $230 billion in payments revenue as stablecoins, tokenized deposits and central bank digital currencies move into wider use.

Confirmed

Global impact / market context

Banks earn fees when customers move money, so losing this income could reduce the cash they have available for lending, dividends and reinvestment, forcing them to find new sources of revenue from other services.

Analyst inference

New forms of digital money like stablecoins and tokenized deposits let people pay without traditional banks, which could shift payment activity away from banks and toward these alternative systems over time.

Analyst inference

What to watch

1. Capgemini conducted the survey that produced the $230 billion payments revenue estimate for banks facing competition from stablecoins, tokenized deposits and central bank digital currencies. Confirmed
2. Watch whether regulators approve or restrict stablecoins and tokenized deposits, since rule changes would directly affect how quickly these alternatives take payment volume from banks. Proposed
3. Track whether banks increase spending on their own digital payment systems or partner with crypto firms to keep customers and defend the fee income they currently earn. Analyst inference

Evidence

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