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The Payroll Revolution: How Stablecoins Reshape How Banks Think

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Roughly 150 million people receive salaries directly into their bank accounts. Annual wages are more than $11.7 billion dollars, and this huge amount is also predictable; it arrives in a steady cycle that shapes the daily liquidity of thousands of financial institutions.


Payroll is a dream for banks: salary deposits are huge, low risk, and tie customers to their banks for years.


But stablecoin rails all of a sudden interrupt this pattern because they settle instantly and redirect funds to wallets outside the traditional deposit base. This shift influences banking far more deeply than most current market discussions.


A company with 500 employees can move 2 million dollars of bi-weekly payroll into stablecoin channels through a single integration, which creates a clear liquidity gap for any bank that relied on those deposits - so the panic kicks in. How does it affect you? And how can you make the most of this change, for your own business?


 
 
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