Quick Breakdown
- Stablecoins handle tens of billions daily, especially in cross-border payments, and are becoming central to global finance.
- Banks that adopt stablecoins can capture transactional volume, deepen client relationships, and stay competitive.
- Joining a regulated stablecoin network offers interoperability, compliance, and economic benefits with lower operational risk.
The rise of stablecoins is reshaping global finance, offering banks a new avenue for cross-border payments and digital settlements. Paxos warns that traditional banking models risk losing relevance if institutions fail to integrate stablecoins into their operations. Tens of billions of dollars in daily transactions already move via stablecoins, and their adoption is spreading beyond crypto trading to payments, custody, and clearing services.
Stablecoins aren’t theory anymore. They’re moving billions daily.
For banks, the only question left is how to get started.https://t.co/wRzDOXDHU6
— Paxos (@Paxos) September 23, 2025
Stablecoins as a strategic opportunity for banks
Regulated stablecoins, typically backed 1:1 by cash or Treasury bills, can complement traditional deposits rather than erode them. Banks that engage with stablecoins can attract new clients, deepen existing relationships, and integrate modern web3 payment flows into their products. Paxos highlights three pathways for banks: issuing their own stablecoin, supporting an existing regulated stablecoin, or joining a shared network. While issuing a proprietary stablecoin offers full control, it comes with high regulatory and operational hurdles. Supporting an established stablecoin provides quick market entry with lower risk, whereas joining a network like Paxos’ Global Dollar Network balances regulatory compliance, interoperability, and economic participation.
Preparing for tokenized deposits and beyond
Tokenized deposits digital representations of bank deposits on blockchain remain in early stages with limited regulatory clarity and cross-border interoperability. Meanwhile, stablecoins are already operational, liquid, and widely accepted. Paxos advises banks to experiment with stablecoins now while preparing for future tokenized deposits, ensuring they do not fall behind fintech competitors. Additionally, blockchain-based solutions such as crypto custody, lending, and trading infrastructure are becoming foundational, enabling banks to expand into broader digital asset offerings.
As global finance shifts toward tokenized and programmable money, banks that adopt stablecoins strategically will be positioned to capture transactional flows, streamline operations, and strengthen customer engagement in a rapidly evolving market.
Industry spotlight
Global payments provider Mercuryo recently partnered with Bitget Wallet to launch a limited-time fee-free campaign for USD Coin (USDC), giving users seamless access to the world’s second-largest stablecoin. This follows Mercuryo’s latest on-ramp integration with Bitget Wallet, one of the fastest-growing non-custodial wallets in Web3.
<blockquote class=”twitter-tweet”><p lang=”en” dir=”ltr”>Stablecoins aren’t theory anymore. They’re moving billions daily. <br><br>For banks, the only question left is how to get started.<a href=”https://t.co/wRzDOXDHU6″>https://t.co/wRzDOXDHU6</a></p>— Paxos (@Paxos) <a href=”https://twitter.com/Paxos/status/1970545037923717336?ref_src=twsrc%5Etfw”>September 23, 2025</a></blockquote> <script async src=”https://platform.twitter.com/widgets.js” charset=”utf-8″></script>
