---
source: newsletter
source_url: https://www.fintechbrainfood.com/p/stablecoin-business-case
ingested: 2026-06-05
sha256: pending-jina
title: "The stablecoin 24x7 money loop: business case for banks"
author: Jason Mikula (Fintech Brainfood)
publish_time: 2026-05-31T13:00:00.000Z
---

Title: 🧠 The stablecoin 24x7 money loop.

URL Source: http://www.fintechbrainfood.com/p/stablecoin-business-case

Published Time: 2026-05-31T13:00:00.000Z

Markdown Content:

![Image 1](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,quality=80,format=auto,onerror=redirect/uploads/asset/file/dab15926-8de9-4b1b-8697-58e8ba48b348/ChatGPT_Image_May_27__2026__02_03_41_PM.png)

### **Weekly Rant**📣

🧠 The Stablecoin Business Case for Banks.

There's been a subtle vibe shift in the banks over the past three months. From loudly proclaiming that tokenized deposits are _better_ than stablecoins, to increasingly benefiting from stablecoins' coexistence with tokenized deposits.

This was clear when I shared the stage with Sabih Behzad from Deutsche Bank on stage at Stablecon EMEA. Clients are asking banks for support to off-ramp stablecoins, access exotic currency pairs, and begin interoperating with them. Moreover, banks like [Coastal Community Bank are now using stablecoins](https://tempo.xyz/customer-stories/coastal) _instead of correspondent banking_ for some flows. _(Let that thought marinade if you're a community or regional banker reading this.)_

The key insight that I've been banging the drum about on Tokenized for the past month is simply this:

**Tokenized deposits are money that**_**rests**_**. Stablecoins are money that**_**moves**_**.**

Tokenized deposits cannot exist outside the bank, but can attract yield (easier), have no off-ramping issues, and handle unlimited volume. Typically, large corporations also receive preferential lending rates for parking large amounts of deposits with a bank. Stablecoins can exist on any platform with a compatible wallet, in any country, instantly. They're more open-loop and not stuck inside the walls of one organization.

![Image 2](https://media.beehiiv.com/cdn-cgi/image/fit=scale-down,quality=80,format=auto,onerror=redirect/uploads/asset/file/97c98e46-2867-4449-9612-3136edff0bd3/TDs_vs_Stables_table__1_.png)

Some banks have spotted the opportunity on different sides of this table

JP Morgan Kinexys, Citi Token Services, and equivalents from GSIBs are incredible products; Kinexys alone has processed over $3 trillion cumulatively since 2020, dwarfing the estimated $390bn in annualized stablecoin payments. They offer instant, 24/7 transfers to 60+ countries, and for most large companies, major currency pairs (like EUR/USD) are the best and most price-effective choice.

But GSIBs are also increasingly on the _stablecoin_ side of the table. Standard Chartered provides custody, off-ramping, and stablecoin card infrastructure. SocGen launched MiCA-compliant EUR and USD stablecoins, and Deutsche Bank clients are asking for stablecoin interoperability. The most innovative though are the smaller banks like Lead, Coastal, Cross River, Itau, Banking Circle, and LHV. They have chosen to support stablecoins as off-ramps and local payments partners. For both sizes of banks, stablecoins are another revenue-generating payment opportunity.

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