【(Financial Times): Stablecoins will enter a 'supercycle' in five years, reshaping the banking industry】According to a report by Golden Finance, technology experts predict that blockchain stablecoins will trigger a 'supercycle' in five years, potentially leading to over 100,000 such payment systems worldwide, forcing a fundamental restructuring of the financial system. Stablecoins threaten the traditional banking deposit base and credit supply capabilities, as they only facilitate payments rather than credit. The European Central Bank is concerned about losing sovereignty and is accelerating the rollout of digital currencies. Commercial banks are countering by converting traditional deposits into 'deposit tokens.' Lloyds Bank CEO Charlie Nunn stated that financial services could be redesigned by combining AI. JPMorgan's daily tokenized payment volume is approximately $5 billion, which remains small compared to mainstream payments of $150 trillion. However, bank tokenized deposits have advantages: 24/7 transfers without intermediaries, protection against money laundering, central bank backing, interest payment capabilities, and support for smart contract automation, which may help resist competition from stablecoins while maintaining regulatory advantages.

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