Coinbase warns traditional banks: Those who do not adapt to stablecoins will be left behind

Coinbase CEO Brian Armstrong affirmed on December 4, 2025, that major banks are "embracing the opportunity" with stablecoins, considering them as essential crypto infrastructure. He warned that banks that do not adapt will be "left behind" as Wall Street quietly integrates blockchain technology.

At the same time, the FDIC confirmed that the stablecoin oversight framework will launch at the end of December. The U.S. Congress is struggling to define stablecoins during a chaotic hearing. Stablecoins currently exceed 300 billion USD, but issues of identity and user data remain obstacles. Projects like idOS are addressing this with mobile infrastructure layers, collaborating with Near and Gnosis to streamline reusable KYC.

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