In 2012, when Brian Armstrong founded Coinbase, it was almost impossible to find a bank partner.

Now, Citigroup is working with Coinbase to bring stablecoins to institutional clients.

Over more than a decade, crypto has gone from “banks avoiding it” to banks proactively partnering with it.

At the core, the change isn’t that crypto has become “cooler,” but that it has started to become “useful.”

Stablecoins combine USD credibility with 24/7 on-chain transfer capabilities, giving traditional finance a new entry point for payments, settlement, and institutional services.

And when you factor in the partnership between Coinbase and global systemically important banks, one trend is becoming increasingly clear:

Crypto and traditional finance are moving from “confrontation” to “embedding.”

What’s really worth watching isn’t just whether banks are buying BTC, but which crypto infrastructure they’re beginning to connect to.

Stablecoins may be becoming the bridge for traditional finance to enter the on-chain world.