Enterprise stablecoin payments now reach an annual volume of about USD 390 billion, equivalent to 0.02% of the roughly USD 208 trillion global cross-border payments market.

Stablecoins mainly serve as an intermediary in cross-border settlement, as corporate cash flows still begin and end in bank accounts. Fiat deposits and withdrawals, as well as domestic payments, still depend heavily on the regulated banking system.

Dependence on a single bank is considered an operational risk that has not been fully assessed in the crypto payments sector. If the partner bank withdraws from the related business segment, the company may have to stop operations immediately.

Incidents involving Silvergate, Signature, along with cases where U.S. regulators reduced risk exposure or sent cease-and-desist letters, show the extent of this risk's impact.

As regulations such as the GENIUS Act tighten compliance requirements, organizations tend to prioritize stablecoin infrastructure that has relationships with multiple banks, supports domestic payments in many markets, and provides foreign exchange services.

Source: https://tintucbitcoin.com/ha-tang-ngan-hang-han-che-quy-mo-stablecoin/

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