A fresh warning is coming with a figure that is difficult to disregard.The Standard Chartered predicts that approximately It is no longer a niche crypto argument.That is a commonplace follow-the-money prediction – and it comes to the very heart of the way banks finance themselves. It also refers to something that ordinary citizens really experience.Since when does value no longer rest in bank accounts waiting, but instead moves around as tokenised dollars on the rails? Payments do not simply become cheaper.They become different – faster, always-on, programmable, and simpler to integrate into applications, cards, and business processes.The new thing is the traction they have gained – and the manner in which large institutions now discuss them as infrastructure.By January 2026, stablecoins will have a market value many times US$300 billion, and policy and payments players will increasingly view them as a component of money movement to be taken seriously.And the discussion is no longer whether or not stablecoins will survive.It is “How fast they rob the banking of the easiest bit of it?Loans The banks put them to write loans, invest and earn a spread.In case a portion of deposits is washed away into stablecoins, banks do not lose a customer in terms of a customer balance.They forfeit the low-cost fuel that makes lending margins healthy and more so in the regional banks, which are more heavily dependent on interest income than the giants are.The easiest explanation of the attraction would be this.The transfer of money in the bank is like a business day.The transfer of stablecoins is like the internet.It runs on weekends. It clears at night. It is able to clear interbank without a trail of middlemen.And when a token signifies a dollar, the user does not feel that she or he is purchasing crypto.They put it as though they are transferring money.The write-up on Checkout.com on the payment trends in 2026 even mentions the stablecoins as a better fit for cross-border and B2B flows, in which fees, delays, and trapped capital continue to plague the finance teams.Treasury groups are time-obsessed. They hate idle capital. They detest settlement windows.Stablecoins guarantee 24/7 settlement – and that is not a crypto one. It’s an operations promise.