Tokenized deposits have raised concerns that faster movement of bank money could reduce U.S. banks’ capacity to fund long term loans by hundreds of billions of dollars if the technology reaches widespread adoption. According to an Aug. 25 research paper&#8230;

A report indicates that the adoption of tokenized deposits could potentially decrease U.S. banks' capacity to fund long-term loans by $580 billion due to the faster movement of bank money. This concern is highlighted in a research paper published on August 25.

Tokenized deposits could cut U.S. bank lending capacity by $580 billion: report

A shift toward faster, more rate-sensitive deposits could push banks into safer assets, constrain lending, and raise borrowing costs, Dallas Fed researchers said.

Dallas Fed researchers warn that a shift towards faster, more rate-sensitive tokenized deposits could lead banks to prioritize safer assets, potentially draining $700 billion from bank lending and raising borrowing costs.

Tokenized Deposits Could Drain $700 Billion From Bank Lending, Dallas Fed Warns

Programmable deposits and AI agents may enable instantaneous, automated bank switching for higher yields, driving up bank funding costs.

The Dallas Fed has warned that tokenized deposits could reduce U.S. banks' lending capacity by $700 billion. The rise of programmable deposits and AI agents may facilitate instant, automated bank switching for better yields, potentially increasing funding costs for banks.

Dallas Fed warns tokenized deposits could strip $700 billion from U.S. banks' lending capacity

أصدر احتياطي دالاس تحذيرًا صارمًا من أن ارتفاع الودائع المرمزة قد يقلل بشكل كبير من قدرة الإقراض للبنوك الأمريكية بمقدار يصل إلى 700 مليار دولار. قد يجبر هذا التحول نحو الودائع الأسرع والحساسة لمعدلات الفائدة البنوك على تفضيل الأصول الأكثر أمانًا، مما قد يزيد من تكاليف الاقتراض للمستهلكين والشركات على حد سواء.

La Reserva Federal de Dallas ha emitido una advertencia contundente de que el aumento de los depósitos tokenizados podría reducir significativamente la capacidad de préstamo de los bancos estadounidenses en hasta $700 mil millones. Este cambio hacia depósitos más rápidos y sensibles a las tasas podría obligar a los bancos a favorecer activos más seguros, aumentando potencialmente los costos de endeudamiento para consumidores y empresas.

La Réserve fédérale de Dallas a émis un avertissement sévère selon lequel la montée des dépôts tokenisés pourrait réduire considérablement la capacité de prêt des banques américaines jusqu'à 700 milliards de dollars. Ce changement vers des dépôts plus rapides et sensibles aux taux pourrait obliger les banques à privilégier des actifs plus sûrs, augmentant potentiellement les coûts d'emprunt pour les consommateurs et les entreprises.