Banks face $230bn payments revenue threat as Tokenised money goes mainstream
What's happening
Capgemini warns banks could lose up to $230 billion in payments revenue as stablecoins, tokenised deposits and central bank digital currencies move from experimentation into commercial use. The IMF and industry coverage highlight that stablecoins and tokenisation are changing rails for digital payments, with banks, card networks, crypto exchanges and central banks all announcing related projects. Companies like SoFi are already using stablecoin rails, and firms in payments and banking are asking how to harness tokenised money for instant, digital services and recurring billing.
Why it's trending
Multiple announcements and industry reports this week signal tokenised money is shifting from pilots to commercial deployments, threatening incumbent payments economics now.
SignalHolding at its usual pace, confirmed across 1 independent source type.
Story volume
Stories per dayAngles you could write
If you think banks will simply raise fees to offset losing payments revenue, think again: tokenised money rewires where economics sit and raises the real risk of a $230bn erosion of bank payments income this decade.
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Original sources6
- Beyond the Hype: Where Stablecoins Deliver Real Value in Banking and Payments
WEBINAR Beyond the Hype: Where Stablecoins Deliver Real Value in Banking and Payments October 13, 2026 1:00 pm EDT How Can Banks Harness Stablecoins to Modernize Payments? Stablecoins are accelerating the shift toward instant, digital financial services. For community and regional banks, the key question is not whether stablecoins will exist, but how banks can […] The post Beyond the Hype: W
PaymentsJournalSep 25 - Stablecoins Changed the Rails but Haven’t Captured the Economics
Stablecoins spent years trying to prove they could move money better than banks, and they have succeeded. Announcements this week from banks, card networks, cryptocurrency exchanges and central banks show why that capability reveals more about stablecoins than it does about the banks themselves. In the span of several days, SoFi Technologies began using its […] The post Stablecoins Changed t
PYMNTSSep 24 - Banks face $230bn payments revenue threat as Tokenised money goes mainstream
Banks could lose as much as $230bn in payments revenue as stablecoins, tokenised deposits and central bank digital currencies move from experimentation into commercial use, according to Capgemini’s latest World... read more The post Banks face $230bn payments revenue threat as Tokenised money goes mainstream appeared first on Payments Industry Intelligence .
Payments Industry IntelligenceSep 24
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