Banks risk losing $230 billion in payments revenue as stablecoins, tokenized deposits and central bank digital currencies move into wider use, according to a survey conducted by IT services and consulting firm Capgemini.
Capgemini’s World Payments Report 2027 projects those instruments will make up about 4% of global payments volume by 2030, pressuring foreign exchange spreads, correspondent banking, float income and transaction fees that banks thrive on, says Capgemini.
The study says about $4 trillion sits trapped in accounts used to fund cross-border settlement. Nearly 60% of large corporates would take stablecoin services from non-banks if their banks fall behind, even though 71% still prefer banks for tokenized payments when cost and quality are equal.
Only 21% of banks are actively scaling at least one of these tools. Tokenized deposits ranked as banks’ top near-term priority because they stay on balance sheets and fit existing rules. Leaders that are already scaling are three times more likely to find new revenue streams and expect to offset losses in 15 months versus 25 months for other banks.
Capgemini’s global head of payment services Jeroen Hölscher framed the stakes for lenders.
“With $230 billion at stake, banks must decide what role they want to play in this emerging ecosystem.”
The report surveyed 1,110 corporates with more than $1 billion in revenue and 300 banking executives across nine markets. Capgemini is a global consulting and technology firm headquartered in Paris, France.
Follow us on X, Facebook and Telegram
Don’t Miss a Beat – Subscribe to get email alerts delivered directly to your inbox
 
Disclaimer: Opinions expressed at The Daily Hodl are not investment advice. Investors should do their due diligence before making any high-risk investments in Bitcoin, cryptocurrency or digital assets. Please be advised that your transfers and trades are at your own risk, and any losses you may incur are your responsibility. The Daily Hodl does not recommend the buying or selling of any assets including cryptocurrencies, nor is The Daily Hodl an investment advisor. Please note that The Daily Hodl participates in affiliate marketing.
Generated Image: Midjourney
Be the first to comment