PANews reported on April 9th ​​that, according to a recent report by S&P Global Market Intelligence , despite stablecoins having a market capitalization of approximately $ 316 billion and trading volumes in the trillions, US banks remain cautious overall. Only about 7% of small and medium-sized banks are developing related frameworks, and there are currently no substantial pilot programs. The report points out that banks are primarily concerned about stablecoins "draining" deposits, increased competition from new licensed institutions, and unclear profit models. Large global banks are more likely to explore issuing tokenized deposits or their own digital assets, while smaller institutions tend to use them as conduits between fiat currency and stablecoins. The report predicts that banks with cross-border operations will face the greatest pressure to adapt, needing to upgrade their systems to support multi-track payments and wallet infrastructure.