bis

BIS 工作论文提醒：稳定币能绕开代理行和 SWIFT 做跨境转账，但交易、提现、出入金费用仍在，市场深度不够时成本优势会被吃掉。链上快不等于全链路便宜——真正比的是出入金与流动性，不只是 Gas。#稳定币 #跨境支付 #BIS

银行电汇的外汇加价高达2%至4.7%，稳定币却被BIS泼了冷水。国际清算银行10月19日发布第1385号工作论文，对比银行、Wise与Remitly等金融科技平台及稳定币的跨境成本：从美国向部分发达市场汇款1万美元，金融科技平台费用中位数约40至60美元。论文认为，稳定币在部分实施资本管制的新兴市场的汇率优势，更多源于资本管制与美元需求造成的市场价差，而非区块链技术本身的效率提升。你用稳定币跨境转账，图的是成本低还是汇率差？评论区聊聊
$USDT $USDC $XRP
#稳定币 #跨境支付 #BIS
（来源：吴说区块链）
⚠️风险提示：以上为市场信息分享，不构成投资建议；投资有风险，入市需谨慎。

📰 Higher bank deposit rates are linked to slower stablecoin growth, a BIS study finds
Stablecoin adoption could affect bank funding and monetary policy as traditional banking conditions shape digital asset demand.
Source : Digital Watch Observatory
Time : 2026-10-18 17:12:10
Credit : nikoletas@diplomacy.edu
#bis #stablecoins #circle #bank_deposit_rates #tether
$USDC $USDT
Share your opinion in the comment section below

🚨 BIS STUDY: Can Traditional Banks Squeeze Stablecoin Growth? 🏦📉

A groundbreaking new working paper by the Bank for International Settlements (#BIS ) has exposed a direct competitive battle between traditional bank deposits and the stablecoin market (#USDT / #USDC )! 📊⚡

🔍 THE CORE FINDING:

The study, covering data from 2019 to 2025, reveals that stablecoins and bank deposits act as partial substitutes.
Financial institutions retain significant power over digital asset adoption through one simple mechanism: Deposit Pricing! 💰📈

• The 1-Basis-Point Effect:
Researchers found that just a 1 basis point increase in U.S. bank deposit rates correlates with a noticeable slowdown in stablecoin market-cap growth over a ten-week period.

• USDC vs. USDT Sensitivity:
The substitution effect is drastically stronger for Circle’s USDC than Tether’s $USDT. Why? Because USDC is heavily tied to U.S. institutional and DeFi users who instantly rotate capital back into yield-bearing bank accounts when traditional rates spike! 💸🏛️

💡 MARKET IMPLICATION:

Since most major stablecoins pay zero interest, they face an uphill battle when traditional bank yields become too attractive. However, the game is shifting.
As yield-bearing stablecoins and tokenized money market funds gain traction, banks might lose this leverage!

#Stablecoins #TradFi #BankingSector #crypto Market

$USDC
$BTC
$ETH

🚨 Ripple confirmed it’s no longer part of the BIS cross-border payments task force it joined in 2023.
This follows a BIS paper on XRP Ledger that sparked industry debate.
No official reason given for the exit.
Market implication: Could signal shifting institutional dynamics around XRP’s real-world utility.
Watch for how this affects perception of XRP Ledger in traditional finance circles.
What does this mean for XRP’s long-term adoption narrative?
#BIS

$XRP #TradingSignal #CryptoAnalysis

#BIS
More $USDT doesn't mean more DeFi: findings from a new BIS study 📉🪙

The Bank for International Settlements (BIS) has released a new working paper challenging the common belief that increased stablecoin issuance automatically signals a capital inflow into decentralized finance (DeFi).

🎯 Key study takeaways:
➡️ #Ethereum : Despite the overall rise in USDT issuance, the share of stablecoins held in the network's smart contracts has fallen. While it exceeded 20% in 2021–2022 and later hovered between 15% and 20%, it dropped to 10–15% (~$10–15 billion) by the end of 2024. Newly issued tokens primarily end up in standard (external) wallets.
➡️ #Tron : Throughout most of the study period, the share of USDT held in smart contracts remained at just 1% ($1 billion or less). The vast majority of tokens on this network are held outside of DeFi protocols.

🔥 Why does this matter?
1️⃣ Account type limitations: The mere presence of a token in a smart contract or a standard wallet does not reveal its actual purpose. For instance, a smart contract might simply be a bridge or a custodial service rather than a DeFi lending protocol.
2️⃣ Methodology matters: Unlike the TVL (Total Value Locked) metric—where the same token can be counted multiple times across different protocols—BMR tracked the actual transfers and balances of the tokens themselves.
3️⃣ Stablecoins ≠ demand for ETH or TRX: An increase in USDT supply does not, in itself, indicate a surge in DeFi activity or rising demand for the blockchains' native tokens.

⚠️ Bottom line: Current USDT volumes are indeed impressive ($73.3 billion on Ethereum and $92.5 billion on Tron, according to DefiLlama); however, a simple rise in issuance can no longer be equated with automatic growth of the DeFi ecosystem.

EI BIS (Banco de Pagos Internacionales)
prueba la red XRP Ledger para autenticar
datos globales.
EI BIS publicó el Working Paper No. 1374 titulado "Verifiable official statistics: a blockchain-based approach". En este documento los analistas del BIS evaluaron y construyeron una prueba de concepto (PoC) directamente sobre XRPLedger.
🔑 El problema que resuelve:
Las organizaciones internacionales y bancos centrales difunden estadísticas oficiales mediante estándares como SDMX. Sin embargo una vez lanzados los datos, los usuarios, plataformas o modelos de lA no cuentan con un mecanismo nativo para verificar si la información fue alterada o manipulada.
El informe destaca la elección de XRPL sobre otras redes por varios motivos clave:
1.- Costos Insignificantes: comisión de transacción promedio de apenas 10 drops (0,00001 XRP). Al agrupar miles de reportes el costo de anclaje es prácticamente nulo.
2.- Alta Velocidad de Finalización: Tiempos de registro e inmutabilidad de 3 a 5 segundos para la publicación y 1 a 2 segundos para la verificación en tiempo real.
3.- Privacidad de Datos: solo se registran las huellas criptográficas en el libro contable público garantizando que la informaciónconfidencial permanezca fuera de la cadena.

🌐Impacto e Implicaciones:
• Utilidad Institucional Real: A diferencia de anuncios o alianzas publicitarias, se trata de una implementación de código abierto
(Apache-2.0) desarrollada y testeada por investigadores del organismo central de los bancos centrales.
• Preparado para Agentes de IA: Permite que sistemas automatizados e inteligencias
artificiales verifiquen de forma casi instantánea la autenticidad de la información financiera antes de tomar decisiones operativas.
• Escalabilidad a otros Estándares: La arquitectura probada en XRPL se puede extender a otros formatos financieros у
regulatorios como XBRL.
Es un documento de investigación y prueba de concepto técnico, que demuestra la capacidad técnica y eficiencia de XRPL en la infraestructura financiera internacional.
$XRP #XRPL #BIS

🏛️ BIS Warning: Stablecoins Risk Fragmenting Global Finance
On June 29, 2026, the Bank for International Settlements warned stablecoins could fragment the global financial system. With $USDT at $186B and $USDC at $73.7B, stablecoins represent systemic risk in the BIS's view. Multiple competing standards across different blockchains create interoperability challenges. The warning suggests central banks may accelerate CBDC development or push for stablecoin harmonization.

📌 Key Takeaway:
When the BIS warns about stablecoins, it signals regulators view $260B in on-chain dollars as systemically important.

#Stablecoins #BIS
#BinanceAlphaAlert

BIS WARNS STABLECOINS COULD SHATTER GLOBAL FINANCE $USDT 🚨

The Bank for International Settlements just dropped a red flag — they're saying stablecoins might fragment the entire global financial system. That's the same institution central banks answer to.

This isn't just noise. When the BIS speaks about settlement risks, top-tier exchanges and liquidity pools pay attention. The market hasn't fully priced in what fragmentation means for arbitrage and cross-chain stability.

Are you holding stablecoins right now or rotating into something else?

Not financial advice. Always manage your risk.

#USDT #Stablecoins #CryptoNews #BIS

💎

BIS cảnh báo stablecoin có nguy cơ phân mảnh hệ thống tài chính toàn cầu

- Ngân hàng Thanh toán Quốc tế (BIS) cảnh báo stablecoin tư nhân không đáp ứng các yêu cầu của tiền tệ ổn định.
- BIS kêu gọi các nhà hoạch định chính sách đẩy nhanh phát triển tiền kỹ thuật số của ngân hàng trung ương (CBDC) và tiền ngân hàng thương mại dưới dạng token hóa.
- Stablecoin có thể gây phân mảnh hệ thống tài chính toàn cầu nếu không được quản lý chặt chẽ.

#BIS #Stablecoin #CBDC #CryptoNews #Blockchain

$btc $eth

vlikevn Titanbot

Nguồn: CoinTelegraph

刷到国际清算银行（BIS）一篇工作论文：比特币链上转账额估算，口径不同最多能差约 6 倍——关键多在找零（change output）算不算「转给别人」。论文扫了 BTC/ETH/TRON 约千亿条记录；常规市值有时可比实现市值高约 4 倍。USDT 在 ETH 偏 DeFi，在 TRON 更像支付/囤币，跨链加总容易混场景。结论挺克制：链上指标当嘈杂近似，别当精确经济温度计。$BTC #链上数据 #BIS

BIS declares stablecoins fail as money, citing elasticity and integrity flaws – a 50% dip in institutional adoption concerns is likely on the horizon.

The Bank for International Settlements, the central bank for central banks, just dropped a bombshell in its latest annual report. They're not mincing words: stablecoins, despite their prevalence, are fundamentally lacking the core characteristics of true money – singleness, elasticity, and integrity. This isn't just academic; it directly challenges the foundational narrative of DeFi and the perceived stability of the stablecoin ecosystem. The implications for liquidity, regulatory scrutiny, and institutional confidence are immense.

Smart money is already de-risking. Expect a wave of caution as fund managers re-evaluate their stablecoin allocations, particularly concerning emerging market exposure where risks are amplified. This narrative shift could see a significant outflow from perceived "safe haven" stablecoins. #StablecoinTruth #DeFiRisk #BIS

Watch for a sustained break below the $0.995 level on major stablecoins; this could signal a broader loss of confidence and trigger significant volatility. #MarketSignal

Are you still treating stablecoins as true cash equivalents in your portfolio?

BIS Alert: Stablecoins Threaten to Fragment Global Financial System

The Bank for International Settlements (BIS), a key financial institution, has warned that stablecoins—private digital tokens—pose a significant risk of fragmenting the global financial system. According to the BIS, these tokens fall short of the fundamental requirements for sound money, which could lead to increased volatility and regulatory challenges. The institution urges policymakers to accelerate the development of tokenized central bank and commercial bank money to mitigate these risks. For crypto investors and traders, this warning signals potential heightened scrutiny and regulatory crackdowns on major stablecoins, impacting their market stability and adoption. The market may see a shift in focus toward central bank digital currencies (CBDCs) as more secure alternatives, affecting portfolio strategies. This development underscores the growing tension between private digital assets and traditional financial frameworks, with implications for long-term market evolution.

$USDT $USDC $BTC #Stablecoins #BIS

🏛️ BIS Warning: Implicit Recognition of Systemic Importance
On June 29, 2026, the BIS warned about stablecoin risks. The implicit acknowledgment: stablecoins are systemically important. With $USDT at $186B and $USDC at $73.7B, they represent $260B in financial infrastructure — larger than many countries' GDP. Regulators can no longer ignore them. The debate shifted from whether to allow stablecoins to how to regulate them. This recognition is itself a form of adoption.

📌 Key Takeaway:
When the BIS warns about stablecoins, it confirms they've reached systemic significance — adoption is undeniable.

#BIS #Stablecoins
#BinanceAlphaAlert

🚨
EL BIS ACABA DE PRENDER LA MECHA: Project Agorá pasa a pruebas con DINERO REAL

El Banco de Pagos Internacionales (#BIS ) confirmó ayer que Project Agorá superó exitosamente la fase de prototipo y ahora avanza a pruebas con transacciones de valor real (real-value testing).
Estono es una prueba más. Es el sistema que busca reemplazar el viejo settlement lento y caro por settlement atómico multi-moneda usando dinero tokenizado de bancos centrales y depósitos comerciales.

¿Quiénes están mejor posicionados para esto?
Los tokens #ISO20022 ,los más beneficiados en este nuevo paradigma
$XRP : Diseñado exactamente para settlement rápido y liquidez global. Es el que mejor encaja como bridge asset en un mundo de atomic settlement.
$HBAR : Su arquitectura enterprise y gobernanza institucional lo hacen ideal para que los bancos centrales y grandes instituciones se sientan cómodos.
$XLM : Perfecto para pagos y stablecoins (ya lo está demostrando con CCTP y ahora con #DTCC ).
#XDC : Muy fuerte en trade finance y tokenización de documentos comerciales, un pilar clave del nuevo sistema.

Elviejo sistema financiero está entrando en su fase final. Mientras
algunos siguen discutiendo si crypto es el futuro, los bancos centrales ya están construyendo el nuevo rail con tecnología blockchain. La pregunta ya no es si va a pasar…Es quiénes van a ser los protagonistas del nuevo sistema.

¿Cuál creés que será el token ISO 20022 que más se beneficie de Project Agorá?

#Stablecoins
📉 #BIS Head: Stablecoins will not become a full-fledged replacement for money

The Bank for International Settlements (#BIS ) has again criticized stablecoins. The new head of the BIS, Pablo Hernandez de Cos, said that these tokens will not be able to provide reliable mass payments on a global scale.

📊 Key points from the BIS statement:
➡️ The alternative is: The best replacement for stablecoins is called tokenized bank deposits. They allow you to use the advantages of tokenization while preserving the traditional monetary system.
➡️ Risks for the economy: A massive flow of funds from deposits to stablecoins can increase bank financing. As a result, interest rates on loans for ordinary people and businesses will increase.
➡️ Threat to sovereignty: The spread of stablecoins pegged to the US dollar weakens the monetary control of other states.

🌏 Global regulatory landscape:
A study by the Financial Stability Institute (FSI) shows different countries’ approaches to stablecoin issuers:
➡️ The US and Singapore are the most restrictive. Issuers are prohibited from staking, lending or trading.
➡️ The EU, the UK and Hong Kong offer more flexible terms and allow additional activities with separate permits.

Stablecoins can reduce government borrowing costs, but at the cost of potential instability for the traditional banking sector.

28 ngân hàng thử tiền mã hoá cho thanh toán xuyên biên giới trong dự án BIS

- 28 ngân hàng toàn cầu, bao gồm JPMorgan, Citi và UBS, đã thực hiện thử nghiệm thực tế chuyển tiền qua biên giới.
- Thử nghiệm sử dụng nền tảng thanh toán dựa trên blockchain để quyết toán ngay lập tức.
- Đây là một phần của dự án thí điểm do BIS (Ngân hàng Quốc tế 결제) tài trợ với mức đầu tư 1 triệu USD.
- Mục tiêu là đánh giá khả năng áp dụng tiền mã hoá (tokenized money) để cải thiện hiệu quả và giảm chi phí thanh toán xuyên biên giới.

#BinanceSquare #CryptoNews #BIS #Blockchain #CrossBorderPayments

$btc $eth

vlikevn Titanbot

Nguồn: CoinDesk

🏦 DE ESCEPTICISMO A LA ADOPCIÓN: Agustín Carstens ahora defiende las Stablecoins 🪙🔄

En un giro radical, el exdirector del Banco de Pagos Internacionales (BIS), Agustín Carstens, ha cambiado su histórica postura escéptica frente a los criptoactivos y ahora propone integrar las stablecoins al sistema financiero tradicional.

Tras años de mantener una visión crítica y de alertar sobre los supuestos riesgos de las monedas digitales estables, el exjefe del BIS parece haber "descubierto" el verdadero potencial y la utilidad de estos activos en la economía moderna. Según sus declaraciones actuales, las stablecoins pueden aportar eficiencia y complementar el ecosistema bancario, siempre y cuando operen bajo un marco regulatorio estricto que garantice su respaldo 1:1.

Este cambio de narrativa de uno de los banqueros centrales más influyentes del mundo marca un hito en la adopción institucional, demostrando que incluso los sectores más tradicionales están cediendo ante la innovación cripto.
#BinanceSquare #Stablecoins #AdopcionCripto #BIS
$FDUSD
$USDC
$BTC

El Banco de Pagos Internacionales (BIS) sostiene que las stablecoins, lejos de reemplazar al dinero fiduciario, están fortaleciendo el papel del dólar en la economía digital. Esto se debe a que la mayoría de las stablecoins más utilizadas están respaldadas o vinculadas al dólar estadounidense.
El BIS reconoce el potencial de esta tecnología para mejorar los pagos, pero también advierte sobre los riesgos para la estabilidad financiera y la soberanía monetaria, por lo que considera necesaria una regulación adecuada a medida que el mercado continúa creciendo.
#BIS $RLUSD $USDC #Stablecoins

🚨 BIS tested XRP Ledger to anchor official stats on-chain in a PoC.
Shows real-world utility beyond payments — data integrity via blockchain.
Could signal growing institutional interest in XRP’s tech for verifiable systems.
Market implication: long-term value may rise if adoption spreads to govt/finance sectors.
Is this the start of broader blockchain use in public data verification?
#BIS

$XRP #TradingSignal #CryptoAnalysis